We support the idea even before it became a business
Responsible lender with transparent terms
The first Bulgarian financial institution certified under the European Code of Good Practices for Microcredit Provision, approved by the European Commission
Socially focused loans
We offer a wide range of profitable products for start-ups and micro businesses thanks to our partnership with established institutions and European funds.
Innovative approach to service
Apply online for a loan through our innovative platform or book an appointment for a free consultation.
SIS CREDIT - Every business is different. So are our solutions.
We are SIS Credit – a financial institution without analogues in Bulgaria, which has been working with entrepreneurs, small and medium-sized companies at different stages of their development for nearly 20 years. We understand that business does not follow a universal model, therefore we apply an individual approach and rules, tailored to the real needs, capabilities and goals of each client.
Our mission is to support Bulgarian entrepreneurs and the creation of sustainable jobs through flexible solutions, financing for start-up and growing businesses and a wide range of free business consultations. For us, financing is part of a broader partnership aimed at long-term development and stability.
Our partners are the Fund Manager of Financial Instruments in Bulgaria (FMFIB), the Council of Europe Development Bank (CEDB), the European Investment Fund (EIF) and the Bulgarian Development Bank (BDB).
Association in support of start-up businesses in Bulgaria
In 2022, two of the leading microfinance institutions in Bulgaria: SIS Credit and Microphone come together to become the largest Bulgarian private financial institution, focused on the needs of start-up entrepreneurs and micro businesses that, for one reason or another, do not have access to bank financing.
Our quality certificates
SIS Credit in figures
20+
1000+
95%
Take out loans wisely!
Impact report
SIS CREDIT is a financial institution with a vision to create measurable social impact. Therefore, in 2025 we decided to analyze the sustainability of our activities and the impact of the financing received on our clients through a pilot project with the Council of Europe Development Bank and the InvestEU Program Advisory Hub.
Here are just some of the results:
- 95% of our clients have been turned down for bank financing before
- 45% of clients are women entrepreneurs
- 43% of loans provided support the activities of start-ups
- Thanks to our funding, an average of 2+ jobs are created per supported business
- The average sales growth of supported customers after a year is 1.4 times
Easy application process
Fill in the fields in the form below.
Our expert will contact you within 24 hours.
We prepare an individual proposal
Sign a contract and realize your ideas
