Business loan

Sis Credit is providing loans to micro and small enterprises and to entrepreneurs that want to start their own business. Our clients are those, who are not eligible for bank loan in one reason or another, or need funding right now and dont have time to waste in bureaucracy by loan approval. We offer individual solutions to each problem that your business may confront with and we approach carefully and responsibly to your business ideas by choosing for you the most appropriate product and additional business development services.

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Business loan Start-up

The start-up business loan is for companies with less than 12 months of history. We give you an opportunity to have a loan for purchase of some asset or for working capital. SIS Credit is covering the initial risk of your new business and after becoming eligible for cheaper bank loan we are providing you free of charge bank intermediation. Main advantage of our loans is the opportunity to repay the loan partially or in full ahead of schedule depending on the development of business without any fee.

With SIS Credit you will receive an adequate financing solution and complementary free of charge consultancy for your start-up business.

What We Offer
- Loan amounts in the range of EUR 500 to EUR 7 500
- Repayment term from 1 month to 3 years
- Option for grace period up to 60 months
- Only with guarantor
- Without any fees outside the fixed monthly interest rate
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Working capital for microbusiness

Many micro and small enterprises need fast and short-term financing of their activity, mostly for working capital. This is the reason why we are offering the product Working capital for microbusiness.

What We Offer
- Loan amounts in the range of EUR 500 to EUR 2 500
- Repayment term from 1 to 36 months
- Without collateral
- Without any fees outside the fixed monthly interest rate
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Loan Innovation

SIS Credit wants to support the innovative solutions in Bulgarian economy. If you are a micro or small enterprise and are willing to make an interesting idea come true in order to boost sales or to buy a machinery that will optimize your processes, this product is the most suitable for you. Many managers are considering that innovation is something genius, in fact things are much simple. Innovation is every small idea that brings life and energy to your business.

What We Offer
- Loan amounts in the range of EUR 1 500 to EUR 5 000
- Repayment term from 1 month to 3 years
- With a guarantor or with pledge over the new asset
- With 1.5% one-time due management fee by loan disbursement
- Without any other fees outside the fixed monthly interest rate
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Loan Business development

Our Business development loans are for small and medium companies with real operations that need fast funding to be used for a short period of time. Except for working capital, you could use funds for buying machinery and equipment for optimizing your business process. Also you have the opportunity we to repay your liabilities to the Government and this way to help you proceed your activities.

What We Offer
- Loan amounts in the range of EUR 1 500 to EUR 25 000.
- Repayment term from 1 month to 60 months.
- Option for grace period up to 12 months.
- Collateral can be movable or immovable property.
- You will receive initial approval for 1-2 days.
- We will analyze your real activity for assessing the repayment capacity.
- With 1.5% one-time due management fee by loan disbursement.
- Without any other fees outside the fixed monthly interest rate.
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Business development services

We offer to our clients a diversity of complementary business development services (BDS) that aim to support their activity. Thanks to our team of experts in all financial areas and our partners from our financial group we are able to provide full service to you.

NEW for you! GO to www.sisbg.net and try our innovative Calculator to find what are the consultancy services and products of Financial group SIS that you are eligible for!
Important! Our clients have the right of FREE consultancy by our officers and experts. If a representative of SIS Credit requires you to pay some initial fee (for approval of loan, assessment of property, special consultancy, etc.) prior the real receive of the product, please e-mail to our Internal control department at hotlin@siscredit.com
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SIS Credit with rating BB-
We are proud that SIS Credit is among the little Bulgarian non-bank financial institutions that have been rated. In 2016 we received an institutional rating BB- with stable outlook, set by the international rating agency Microfinanza rating.

Borrow wisely campaign

CRUCIAL FOR CLIENTS
In reliance to many request for help from clients regarding unscrupulous financial institutions, we decided to write down some valuable advices to you. Learn how to avoid being in a position to deal with disloyal institution and what to look at by signing a contract.

SIS CREDIT: ASSESSMENT
SIS Credit has received high score in a compliance with the European Code of Good Conduct assessment. The final report prepared by Microfinance Center- Poland shows that SIS is developing in line with the international standards in the microfinance sector.