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      Experiences

      • Aggregation service

        If you're self-employed, you can now add your other banks to the BBVA app.

      • BBVA My Business

        Manage your everyday business operations with ease on your cell phone.

      • BBVA Company aggregator

        All your business bank accounts in the same place with the aggregation service.

      Bienvenida Account for self-employed workers and companies

      New bank, zero fees on the usual services. Whether you are self-employed, an SME or a company, a new bank has many advantages.
      More information
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      Agricultural holding

      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.  
      • Plus, you can get a €100 fuel voucher.

      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.
      Apply

      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: €297. 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%.

      The deadline for the 2025 CAP direct debit is until
      04/30/2025.

      The deadline for the 2025 CAP direct debit is until
      04/30/2025.

      The NIR (Nominal Interest Rate) is paid to a bank in exchange for the money that it loans to customers. The NIR is usually less than the APR, and cannot be used to compare the prices of different loans, since it only includes the interest rate and not all the expenses associated with the transaction.

      The APR (Annual Percentage Rate) indicates the cost of a financial product, such as a loan, including both the interest and different expenses and fees involved. This figure lets you compare different loans since the lower the APR, the cheaper the loan.

      Apply for the CAP Advance

      Apply

      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.
      Go to the adviser

      You might also be interested in

      • 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.
        More information
      • Agrocoop Business Card

        • Monthly credit of up to €6,000.
        • Extensive insurance coverage.
        • Only for farmers and agricultural and livestock cooperatives.
        Apply
        More information
      See more financing

      Be a BBVA customer.

      • At BBVA, we want to help you grow your business by offering the financing you need.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.

      Add your banks to the BBVA app

      • I have a company

      • I am a self-employed worker

      Discover the BBVA Company Aggregator

      Add and manage all your business bank accounts in one place.
      Manage all your accounts, make better decisions, and save time for your business.
      More information

      Your other banks

      Add your other banks to the BBVA app.
      View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service.
      More information
      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
      Apply
      Offer valid during current month
      1. Financing
      2. CAP Advance
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