1. Structuring of specialized investment, guarantee and financial instruments with European and Bulgarian national donor funding
2. Venture capital
- For initial investments in innovative start-ups: EUR 5,000-30,000
- For start-ups: EUR 25,000 - 1,000,000
- For start-ups at an advanced stage of development: EUR 750,000 - 3,500,000
3. Equity capital
- For companies in their growth stage: up to BGN 5 million, in stake up to 34% of the company's capital
4. Investment accelerator programs
- For innovative, start-up and social enterprises on the territory of Sofia Municipality
- For agricultural enterprises
- For sustainable green business solutions, clean technologies, eco-innovation
5. Guarantee instruments for SMEs and start-ups
- Guarantee for SMEs on the territory of Sofia Municipality: up to 50%, up to BGN 150,000, for 84 months
- Guarantee for innovative and start-up companies: up to 50%, up to BGN 30,000, for 60 months
6. Microfinance for start-ups and micro and small enterprises, agricultural producers, incl. producers of organic products.
- financing of social enterprises and companies, whose owners are representatives of vulnerable groups - unemployed, young people, people with disabilities (so-called businesses with a mission) - up to 50,000 euros, up to 5 years
- Investment loans, working capital loans, credit lines, leasing for start-ups and those in the development phase, companies employing people in vulnerable groups: up to EUR 25,000, up to 10 years depending on the type of financing, collateral - personal warranty
- Startup investment loan for start-up business with guarantee coverage under the COSME program: up to 25,000 Euros, up to 84 months, collateral up to 70%
- Startup working capital loans for start-up business with guarantee coverage under the COSME program: up to EUR 25,000, term up to 24 months, collateral up to 70%
7. Investment loans
- Loans with flexible terms according to the needs of the business
- Loans for SMEs: from BGN 100,000 to BGN 5 million, 10% self-participation, up to 10 years, up to 18 months grace period, minimum collateral or no collateral depending on the risk profile
- Loans for start-up companies for production, up to BGN 250,000, 10% self-participation, collateral – the purchased asset
- Loans for financing solar power plants for business: up to 1MW, 95% financing, up to 15 years
- Loans to farmers for the implementation of projects with European grants
- Loans for manufacturing companies for the implementation of projects with European subsidies
8. Working capital financing, credit lines / overdraft
- Loans with flexible terms according to the needs of the business
- Credit lines up to BGN 200,000. (up to 40% of the turnover), without collateral, with co-debt, up to 3 years repayment period
- Overdraft loans BGN 200,000. (up to 20% of the turnover), without collateral, with co-debt, up to 3 years repayment period
- Loans for creative industries, up to BGN 500,000, 10% self-participation, minimum collateral
- Working capital loans for energy support for electricity bills, up to BGN 200,000, up to 75% of invoices, without collateral
- Loan for hoteliers, including start-ups, as well as overdue up to 90 days: revolving credit lines, overdrafts, 18-month grace period, estimated interest rate 2.82%
- Credit for restaurateurs, including start-ups, as well as overdue up to 90 days: revolving credit lines, overdrafts, 12-month grace period, estimated interest rate 2.82%
- Revolving credit lines for rose growers: up to BGN 1 million, up to 36 months, minimum collateral (including rose oil)
- Loans for agricultural producers: up to 95% of the amount of expected subsidies
- Loans for financing the implementation of projects approved under the terms and conditions of the Operational Programs - approved by the European Union (EU).
9. Project financing for real estate and RES investors
10. Mortgage loans
11. Bridge financing for the purchase of real estate
12. Specialized financial instruments for commercial transactions, letters of credit, bank guarantees
13. Financial leasing
- Leasing with 0% self-participation for the purchase of vehicles and 5% self-participation for other machinery and equipment, from 1 to 8 years depending on the asset
- Lease Back for real estate
14. Factoring - working capital for business, through the transfer of ownership of receivables (factoring), without the requirement for material security
15. Financial and investment instruments for business expansion and entry into new markets
16. Financing and Investments for Mergers and Acquisitions (M&A) Transactions
17. Financing and investments for purchase / sale transactions of family companies
18. Financing and investments for Joint Ventures in Bulgaria and abroad
19. Financing and investments for management buyouts (MBOs)
20. Real estate for equity investments in Joint Ventures with other investors in different regions of Bulgaria
21. Real estate for business development in Bulgaria and appropriate financial instruments for purchase