SILISTRAINVEST AD finances companies and sole traders in Silistra and the surrounding region — grain country, river country, border country. Every facility is quoted as a total in writing before anyone signs anything.
What we financeHow to verify any lenderNames in finance promise more than they say. Ours contains the word "invest", so the honest thing is to define it immediately: we place our own capital into financing businesses. We do not touch yours.
Dobrudzha's economy moves with harvests, river freight and the border. Each line below exists because some part of that cycle leaves a well-run business short of cash at a predictable moment.
A fixed sum for a fixed term, bridging the distance between paying suppliers and being paid.
Financing inputs and stored produce between sowing, harvest and sale — sized to the season, not to optimism.
Machinery and vehicles that earn from the first day. The asset's working life sets the sensible term.
Advances against invoices to reliable buyers, when sixty-day terms starve a thirty-day payroll.
Working funds for haulage and cross-border trade, where fuel is paid today and freight next month.
Replacing costlier debt with one facility — only where the written total genuinely falls.
Ask these of every lender — ours included. A refusal to answer any of them in writing is itself an answer.
Every payment summed, from first to last. This is the real price of the money.
Annualised so offers can be compared. A fee quoted without a term is hiding something.
Every date and amount, in the contract. If a payment surprises you later, the schedule failed.
What early repayment costs — and what it saves. Agree it before signing, not after.
Bulgaria keeps public registers precisely so a borrower in Silistra can check a company before trusting it. Three checks take ten minutes:
What the money is for, what repays it, by when you need it.
Registration and recent figures, read by a person who knows the region.
Total, rate, schedule and security — in writing, to take away and read.
Paid to your business account, with one contact for the life of the loan.
No. We take no deposits and operate no accounts. Non-bank finance usually costs more than bank credit — so if your bank will fund you on workable terms, take the bank. We exist for the files and timelines banks decline.
No. We finance companies and sole traders (ET) for business purposes only. We offer no consumer credit of any kind and are not registered to do so.
Акционерно дружество — a joint-stock company under Bulgarian law. It describes our legal form, nothing more. It does not make us a bank, a fund or a public market; our shares are not an investment offer to anyone reading this.
It depends on amount, term, purpose and security, so we publish no headline rate. What we commit to is the form of the answer: the total repayable, the annual rate and the full schedule, in writing, before you decide.
Ask before signing and have the answer written into the contract — including exactly what early repayment costs and what interest it saves. We will put it in the schedule.