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Guarantee Schemes

NGF 2022 – SME Financing

NGF 2022 – SME Financing

Guarantee program at own risk

НГФ 2022

The fifth consecutive own-risk guarantee scheme designed to facilitate access to finance for small and medium-sized enterprises. The scheme is implemented in partnership with commercial banks across the country.

The total contracted guarantee portfolio amounts to BGN 629 million / EUR 322 million, enabling SME lending of over BGN 1.258 billion / EUR 643 million under the program.

pedestrian crosswalk

Program Parameters

✔ 50% guarantee coverage by NGF
✔ For micro, small and medium-sized enterprises
✔ Eased financing requirements
✔ Partnership program with commercial banks

Information for Partner Banks

The program is open to all commercial banks in the country. It offers pari passu risk-sharing guarantees, where the fund and the partner bank have equal standing in the recovery of funds.

Guaranteed portfolio

from BGN 5 million / EUR 2.56 million up to BGN 100 million / EUR 51.1 million

Guarantee coverage

from 10% to 50% (per individual loan)

Guarantee term

up to 72 months, but no later than 30 June 2028

Enrollment period

up to 36 months after the guarantee agreement

Information for Final Beneficiaries

The program targets micro, small and medium-sized enterprises across various sectors – both existing and start-ups. It covers investment and working capital/revolving loans, as well as bank guarantees. The guarantee coverage of up to 50% allows for eased collateral requirements and lower interest rates.

Term up to 180 months

for investment loans

Term up to 72 months

for working capital loans and guarantees

Collateral

requirements significantly reduced

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