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Innovation and Digitalization

Innovation and Digitalization

What Does the Product Represent?

Guarantee programme, eligible for innovative fast-growing enterprises which implements innovations, digital technologies and digital transformation; that have significant focus on "R&I activities";  enterprises that have been registered ovet the last 36 months at least one technology right (such as patent, utility model, design righ, etc.). 



  • Easier access to financing
  • Quick approval procedure
  • Relieved collateral requirements


Eligible products:

Investment limits, Working capital limit with repayment schedule, Revolving credit line

  • Inclusion period: till 28.04.2025
  • Guarantee Coverage Period:  till 28.04.2037
  • Credit currency – BGN, EUR
  • Guarantee percentage 50%


Eligible for:

  • Micro-, Small- and Medium-Sized Enterprises (with up to 249 employees)  and
  • Small Mid-Cap Enterprises with up to 499 employees (on a group level).

Applying For

Get in contact with your servicing banker/expert at UniCredit Bulbank or submit an application under the contact format.

This financing benefits from support from the European Union under the InvestEU Fund.

Questions and Answers

Get in contact with your servicing banker with UniCredit Bulbank or submit a request under the form of contact.

All activities prohibited by EU - illegible economic activities, including cloning of people aiming at reproduction; production and trade with tobacco and alcoholic beverages and their derivative products; manufacturing and trade with any kinds of weapon and munitions; internet gambling, online casinos or pornography; cloning of people for research or therapeutic purposes; genetically modified organisms (GMO), etc.

Refinancing is not eligible; the credit is not eligible to finance second-hand asset purchases.                           

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