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Financing

Finance your business's usual payments

With the Click&Pay credit limit you can finance the payment of taxes, suppliers, paychecks, and social insurance.
No activation fee and interest free. You'll only pay for any drawdowns you make.

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Do you need public financing?

The Instituto de Crédito Oficial has different lines of credit to boost your business.

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100% online financing for self-employed workers and SMEs

We finance your routine business activities, up to 25 thousand euros. You won't have to justify what the credit will be used for.

More information Apply
Liquidity at times of greater outgoings or less business. You only pay for what you use, with no interest or cancellation penalty.

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The investment that your business needs (up to €50,000). Immediate approval and fixed, personalized interest rate.

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Select the type of business you have

Are you self-employed or a company?

Online Negocios Loan

The investment that your business needs (up to €50,000). Immediate approval and fixed, personalized interest rate.

More information Apply
Online Credit Account

We finance your routine business activities, up to 25 thousand euros. You won't have to justify what the credit will be used for.

More information Apply
Click&Pay credit limit

Liquidity at times of greater outgoings or less business. You only pay for what you use, with no interest or cancellation penalty.

More information Apply
BBVA Business Loan

Your loan from €3,000 up to whatever you need, with a maximum term of 10 years and a fixed, mixed or variable interest rate.

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Trade discount

Get an advance on an undrawn commercial credit. We advance you the amount of bills of exchange, promissory notes, invoices, etc.

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Negocios Mortgage

Finance up to 70% of the purchase of your business premises, offices or warehouses with the utmost flexibility.

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BBVA LEASING

Acquire equipment in comfort through rental payments. Moreover, you can buy it upon finishing the contract.

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Agroleasing

Renew you business' machinery with financing that adapts to your farming business' needs.

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Agropréstamo
The loan you need for your agricultural and livestock operations. Tailor the term and the interest rate.
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Agropréstamo CAP Advance

Get an advance of the grant by arranging for your CAP to be paid into your BBVA account. You can also request the whole amount.

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Organic Conversion Agropréstamo

Financing for the conversion period from conventional to organic production.

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Reverse Factoring

We give you an advance for 100% of your outstanding invoices, without the need to provide any additional documentation or for any prior assessment.

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Credit Account

Financing to cover cash flow needs, gaps between collections and payments, purchase stock, etc. Only available in-branch.

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Associated Credit Account

Financing that's always available to grow your business with no credit limit and low interest rates.

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Linked Agro Credit Account

Get liquidity for your farming business, up to 150 thousand euros. Combine the advantages of a credit account and a credit limit.

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Factoring

Receive in advance any debts that others owe you. At BBVA we manage your commercial loans.

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Loans with SAECA Guarantee

Spread out your investments over as many as 7 years to finance irrigation systems, land, machinery and construction.

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Companies with a turnover of less than €5 million: 91 298 35 96

Companies with a turnover of over €5 million: 91 296 70 70

BBVA Net Cash: +34 91 224 98 02

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