1999 – USTOI JSC is the legal successor of the “USTOI” microfinance program of Catholic Relief Services /Bulgaria. The program has been launched in the autumn of 1998, while significant growth and outreach have been achieved with USAID financial support, as part of the Agency’s Economic Growth Initiative, starting from 1999.

The main focus in the “USTOI” microfinance program activities is to provide access to financial services to micro entrepreneurs or representatives of different ethnicities with limited or no access to financial resources. Thousands of program’s clients have managed to accomplish their business initiatives and later have become clients of banks. Hereby the program mission, aimed at small enterprise development and increase of household income, has been fulfilled.

2005 – USTOI is registered as Joint Stock Company. The institution continued with providing services to the same target group and supporting the small business development in Bulgaria.

2009 – USTOI JSC is registered as non-bank financial institution at the Bulgarian National Bank under the Credit Institutions Act.

2012 – USTOI JSC registered and launched own trade mark “Business Credit 1”

USTOI JSC is a member of European Microfinance Network and The Microfinance Centre
"Business credit 1" is a trademark of USTOI JSC USTOI JSC is an administrator of personal data under the LPPD reg.№15466 USTOI JSC is a financial institution under the CIA reg.№ BGR00098

Funding is provided through a "European Progress Microfinance Facility" created by the European Union

Ustoi Ltd is created with the support of:
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