Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000



Branches and ATMs

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Corporate Banking


Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000


(+359 2) 91 985 101


(+359 2) 91 985 140


Card and POS terminals assistance

24 hours bank cards and POS terminals assistance center


(+359 2) 962 41 02

Calls to 0700 10 000 are charged according to your tariff plan for calls to 0 700 numbers.

Calls to 1721 are billed as A1-A1 or Yettel-Yettel according to the subscribers own rate plan.



Viktor Spasov, Head of Factoring Department


(+ 359 2) 91 985 774

(+ 359) 886 999 569

Financial Institutions/ Sovereigns Department


Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000


(+359 2) 91 985 423


(+359 2) 943 45 57


Capital Markets Saled Department

Nayden Chernev, Head of Department


(+359 2) 91 985 456



(+ 359 2) 91 985 429

(+ 359 2) 91 985 454



(+359 2) 91 985 490

(+359 2) 91 985 496




Tariff for fees and commissions for Legal entities and Sole traders

Tariff for Banks

General Conditions and Forms

General Conditions and Forms for Legal entities and Sole traders.

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    Guarantee Agreement COSME

    This Guarantee is provided by COSME and the European Fund for Strategic Investment ("EFSI") set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing. The Programme supports Small and Medium-Sized Enterprises with up to 249 employees.


    • Relaxed collateral requirements

    • Competitive price terms

    • Improved possibilities for financing


    Credit parameters
    • Max. EUR 3 000 000 (EUR 1 500 000 for clients performing road freight transport) – for loans with term up to 60 months).
    • Max. EUR 1 500 000 (EUR 750 000 for clients performing road freight transport) – for loans with term up to 117 months.)
    Products guaranteed by COSME
    • Investment and working capital loans (with a repayment schedule).
    • Revolving Limits (Including Overdraft Limits, Letter of Bank Guarantees and Letter of Credits).
    • Investment loans - up to 117 months
    • Working capital loans - up to 60 months
    • Revolving loans/overdraft limits - up to 60 months

    The Final Recipients must comply with the requirements of COSME Guarantee Facility and the requirements of the Bank’s Credit Policy.

    Guarantee coverage 50 %


    Application procedure

    Small and medium Enterprises registered and operating on the territory of Bulgaria which comply with at least one of the following criteria:

    • Is a micro enterprise, a small or a medium-sized enterprise within the meaning of Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises, Official Journal L 124, 20 May 2003, p. 36-41.
    • Are not an "undertaking in difficulty"(within the meaning of Commission Regulation (EU) No C (2014) 651/2014 of 17 June 2014)
    • Are not engaged in activities related to one or more sectors banned under COSME requirements

    Restricted activities - Any production, trade or other activity, which is illegal under the laws or regulations of the Republic of Bulgaria; the production of and trade in tobacco and distilled alcohol beverages and related products; the financing of the production of and trade in weapons and ammunition of any kind or military operations of any kind; human cloning for reproduction purposes and genetically modified organisms (GMOs) or any other restricted activity in the Republic of Bulgaria and/or any of the other EU Member States.

    • Are not delinquent or in default in respect of any other obligations granted by KBC Bank.

    Additional advantages

    • Long –term partnership with the EIF under European Programmes financing.

    • Cooperation and support

      Highly-qualified experts with experience in the field of corporate lending and financial services.

    • Relaxed price conditions for using the programme.


    Corporate Banking Department

    Address: Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000
    Phone: (+359 2) 91 985 101
    Fax: (+359 2) 91 985 140

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