Fast custom credit

Equal monthly payments

Equal weekly payments

no hidden taxes

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Quick mortgage

Amount over 5000lv

What is Factoring?

It is financing based on the supplier’s receivables of goods and services, meaning that it is based on the payments due by the Customers to the Supplier. The factoring stimulates the growth of the trade turnover between the Supplier and its Customers.

What are the benefits of it?

Improves the cash flow, immediate financing of payments on invoices, improves balance by helping to reduce the share of the debt, allows the orders’  turnover to be faster and increases the volume of the production/supplies.

For what purposes?

“Light Credit” provides loans for the following purpose: For working capital and for investment, where the minimum amount is 5000 leva or the equivalent in euros and the maximum amount is 1 million leva.

“Light Credit” Ltd. – bring light to your life

“Light Credit” Ltd. is based in Plovdiv and serves all over Bulgaria. We are specialists in providing business and financial solutions – satisfying the financial needs of SMEs (Small and Medium-Sized Enterprises) and investors in Bulgaria.

The company offers a wide range of business services, including financing, factoring, working capital, small business loans, commercial loans and short-term loans.

How many times we have heard this?

    • a great idea
    • a good business
    • a great service
    • a fantastic product

but they cannot be funded or bankrupted because they cannot manage cash flows.

In business “Cash is the boss” and in most cases, at least until you have no real estate, you can forget about funding.

About us

Light Credit LTD is located in Plovdiv and serves all across Bulgaria. We are specialists in giving you the best business and financial solutions, satisfying the needs of the little and middle-market business. The company offers a wide range of business services including financial support, factoring, working capital, commercial credits and short term loans.

  • We think out of the box

  • We have a different vision of "risk" , unlike other banks or creditors

  • We are focused on finding solutions

  • We can fund your business

  • We are growing rapidly

  • We fund the growth

Our services


Each company, at some stage of its development, has the need of additional funding. Even if you do have enough capital, additional capital can help you affirm your company on the market.
The fact that your project is well evaluated by institutions, such as banks, increases the trust of investors and clients.


Factoring is the purchase of accounts receivables. It gives you an unique package of financial services that include:

  • Administrative and accounting management of accounts receivables;
  • Collecting the accounts receivables;
  • Financing without collateral;
  • Up to 100% coverage of credit risk arising from potential insolvency or bankruptcy of buyers.

Frequently Asked Questions

When will I receive the money?

The money will be transferred into your account up to an hour after completing the contract.

How can I apply for a loan?

There are 3 ways to do that – through our website, on the phone: +359 888 650000, or through a credit consultant.

What are the terms and conditions?

What are the documents I need to provide in order to apply?

You just need an ID for the initial verification.

How and where do I pay the credit installments?

There are three ways to pay your monthly installment:

  • In a bank;
  • In our office;
  • Through your credit consultant.

Are there any extra fees or commissions?

No. There aren’t any extra fees or commissions.

Can I apply for and get approved for a new loan without having payed off my old one?

No, you cannot be approved for a new one without paying off your old one first, but it can be refinanced under certain conditions.

How should I proceed if I have changed my permanent or mailing address?

There are two ways to notify us for the occurred change:

  • Through your credit consultant;
  • Through our office assistant.

What documents do I present as a proof of my income?

How do I get the money?

The money will be sent to your bank account.

How do I know if I’m approved for a loan?

After the verification, you will be informed about your approval status on your phone.

Условия за поверителност

Close your account?

Your account will be closed and all data will be permanently deleted and cannot be recovered. Are you sure?