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Funding under Programme FORWARD

“Investbank” AD grants low-interest investment and working capital loans to micro, small and medium enterprises under the “FORWARD”. Funding is provided by “Investbank” AD affiliate of “Bulgarian Development Bank” JSC indirect financing of micro, small and medium businesses “Next”.

Purpose of loan:

  • For working capital and investment finance to small and medium enterprises (new loans)
  • Refinancing of investment loans made after 07.01.2014, by which, as a result of Bank-financed investment were discovered and maintained for the duration of the loan over 30 new jobs
  • Refinancing of investment loans after 01.01.2014, the through which realize investments in areas with high unemployment as Vidin, Montana, Razgrad, Silistra, Targovishte, Shumen, Sliven, Yambol, Pazardzhik, Smolyan and Kyustendil
  • Advantages of loans under the “FORWARD”
  • Bargain interest rates
  • No commission management
  • Reduced collateral requirements


  • Maximum amount: up to 3 million BGNor the equivalent in EUR
  • Maximum term:
  • Investment loans – up to 10 years
  • For working capital loans – up to 36 months
  • Currency – BGN or EUR
  • Repayment – depending on the type of loan: with decreasing contributions; individual repayment schedule or even monthly (annuity) contributions; automatically with receipts on current account of the borrower and others, by arrangement with the bank.
  • Collateral – all taken by the Bank collateral; The bank requires collateral discounted value greater than 110% of the loan amount