CAP Advance

Anticipate CAP payments and boost your farming business

  • Apply for the CAP Advance at 0% interest.
  • Commitment fee: 2% and 2.859% APR.

When you direct deposit your CAP with us, you will have liquidity for your day-to-day farming operations.

Get an advance on your CAP

By direct depositing your BBVA assistance at 0% interest.
  • Commitment fee: 2%.
  • APR at 2.859%.
  • Request up to 100% of the amount of the subsidy.

How does the CAP advance loan work?

  • If you direct deposit your Common Agricultural Policy subsidy at BBVA, you will have a CAP advance available. You can request 100% of the amount and return it automatically when the subsidy is deposited in your account.

    At 0% interest and 2.859% APR if you have paid your CAP aid directly into a BBVA account. You will have until June 30 of the following year to return the CAP advance. So if you applied for it in 2025, you will have until June 30, 2026 for the subsidy to be deposited into your account so you can pay back the loan.

This example will make it clear

  • Example for a loan of 20,000 euros contracted on 04/15/2025 with full repayment on 12/15/2025 (this is an example in which we assume that the aid arrives on that date):

    • Interest rate: 0%.
    • APR: 2.859%.
    • Commitment fee: €400.
    • Quarterly installment: 1st quarter: €0. Following 2 quarters: €0 for interest. 
    • Final installment: €20,000 when the subsidy is received in the account.
    • Total amount to be returned: €20,000.

What conditions do you have to meet to advance the CAP?

  • To request the CAP advance, you have to be rancher or farmer and own a farm that is eligible for the subsidy, and direct deposit the CAP subsidy into a BBVA account.

    *Product available for businesses with a turnover under 5 million euros.

Would you like more information?

Commitment fee: 2% and APR at 2.859%.

Apply for the CAP Advance

Are you looking for another kind of financing for your business?

If this is not the product you were looking for, don't worry. We'll help you choose the one that best suits your needs with our financing adviser.

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BBVA may suggest that customers find out about the necessary process to apply for different types of public aid and/or subsidies through various partners, who, at the direct request of the customer, will do approximate calculations based on legal sources from official publications and/or bulletins issued by government agencies, as participants in the various programs for channeling funds. The aim is to provide customers with useful tools to detect their potential additional financial needs. However, awarding and accessing these grants and subsidies does not depend on BBVA but rather the suitability of each applicant and the eligibility of each customer or each investment project submitted. Please note that each Autonomous Community, local entity or participating public body may modify the application or award criteria.
CAP Advance Agropréstamo loan