Click&Pay credit limit

No early repayment penalty or activation fee.

You only pay for the money you draw down.

Benefits

A credit limit you can use to request drawdowns with just one click

Pay taxes, payroll, social security, suppliers and imports.

Choose how much money you want to have available during the year and then request the amounts as you need them.

Up to €25,000 if you are self-employed or €50,000 if your company invoices less than €5 million a year

New if you are an SME or self-employed: with the collection purpose, you will be able to finance the collection of your invoices.

Select if your Click&Pay credit limit would be for:

I am a self-employed worker

My company invoices under 5 million

My company invoices over 5 million

What new features are included?

New Click&Pay purpose for self-employed workers and SMEs

The new collection financing purpose with the Click & Pay credit limit, available instantly and online without having to submit documentation.

You will only need to specify the amount to draw down and the financing period (3-month maximum).

We calculate the maximum credit we can apply to this new collection purpose, taking into account the income received in your account in the last three months, and excluding the payments for other financing operations.

How does it work?

You activate an annual limit at no cost

When you apply for Click&Pay, you choose a credit limit between a minimum of €2,000 and your pre-approved maximum. This limit is available for one year at no cost, since you only pay for the money you draw down.

You make drawdowns online

When you have to make a professional payment, you request a drawdown for the amount you need. It can't be less than €600 or higher than the limit. Once each drawdown is evaluated and approved, the money is deposited into your account.

What can be financed?

You can finance 5 types of professional costs. When you make a drawdown, you will have a deadline to pay back the amount that depends on the type of payment, although you can repay it early if it's more convenient.

Taxes:

-Corporate Tax and Personal Income Tax (IPRF): term of up to 6 months.

-VAT or IGIC: term up to 3 months.

Orders with international suppliers: term of up to 4 months.

Orders with national suppliers: term up to 3 months.

Social security: 1-month term.

Payroll: 1-month term.

The payments will be charged monthly to the associated account.
You can apply for Click&Pay from the app or website, without having to sign before a notary
And the costs?

You pay the drawdown fee

A commitment fee with zero interest, that is applied to the amount drawn down and depends on the repayment period. The shorter the term, the lower the fee.

Details of repayment terms and fees

The minimum fee is €30 and is applied to the amount you request, based on the repayment period you choose:

1 month: 0.5%

2 months: 1%

3 months: 1.25%

4 months: 1.50%

5 months: 1.75%

6 months: 2%

This example explains how Click&Pay works

If you sign up for the Click&Pay limit, you pay no activation fee, availability fee, or early payment fee for repaying early

Here is a clear example:

Juan has taken out a credit limit of €15,000 for his professional activity.

This contract has a duration of 12 months.

You request a drawdown of €2,400 to pay a national supplier.

The maximum repayment period will be 3 months.

If you choose the maximum term, you will pay €800 a month (€800 x 3 months = €2,400).

The commitment fee will be €30 (1.25% x €2,400), which you will pay when making the drawdown. 7.78% APR.

Once he pays back the €2,400, his limit will go back to €15,000.
Calculate how much it would cost

100% online Click&Pay credit limit

Calculate payment
Would you like more information?

Credit limits set via the app are not subject to limit analysis, maintenance or novation fees. These fees are negotiable for credit limits agreed in-branch.

The limit can only be renewed on contracts signed in-branch, and the renewal fee is negotiable.

Start-up fee of the drawdown: this is a percentage of the amount of each approved drawdown request, with a minimum of €30. This fee will be charged when you receive the amount of the drawdown.

No interest payment. The APR will depend on the purpose of the drawdown and the repayment period selected.

The fee is charged to the linked account on the day of the drawdown, but is not deducted from the drawdown. If you request a drawdown of €800 and BBVA approves it, you receive €800.

You must have been a BBVA customer for at least 6 months and have an account where the drawdowns will be deposited and the payments will be charged every month.

No, you can only use Click & Pay to finance payments to national and international suppliers, payrolls, social security contributions and taxes (VAT, Personal Income Tax, Corporate Tax and IGIC).

When you request a drawdown, you have to select the professional payment you are going to finance. You don't have to provide proof of payment to show how the money was used, but the associated account must show the associated payments or transfers.

The monthly payments start to be charged to the account the month following the withdrawal, on the same day.

For example, imagine you draw down €2,400 on June 15 to pay a national supplier and choose to repay it over 3 months. A payment of €800 would be charged to your account on July 15, August 15 and September 15.

The credit limit you choose when you apply is annual, and cannot be changed during those 12 months. In any event, since the limit does not affect the price, you can choose a higher amount than what you need, as long as it's within your pre-approved limit. It will cost you the same and give you better coverage.

Yes, it's possible that BBVA will not issue you your full credit limit. And, once your limit has been approved, you may be denied a drawdown request. Every time you request a drawdown, the bank will evaluate the viability of your proposal.
Are you looking for another type of business loan?

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
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Have it in your account in 24 hours.

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Why BBVA?

Our goal is to make life easier for those who work day in and day out to make their businesses grow.

We believe in a way of banking that focuses on people: bancaresponsable.com.
Information

The information that BBVA provides on its financing products does not constitute a firm offer. The amounts shown on the factsheet and in the personalized calculation are based on estimates that we make based on the data we have on you, and are always subject to approval by BBVA. This factsheet also does not imply a recommendation to apply for the products or amounts indicated, nor does it commit BBVA to grant them. Furthermore, its information does not replace or amend the pre-contractual and/or contractual documentation that we will send you if your financing application is approved, which you must read and consent to before signing the contract.

What new features are included?

New purpose Click&Pay for self-employed workers and SMEs
The new collection financing purpose with the Click & Pay credit limit, available instantly and online without having to submit documentation.

You will only need to specify the amount to draw down and the financing period (3-month maximum).

We calculate the maximum credit we can apply to this new collection purpose, taking into account the income received in your account in the last three months, and excluding the payments for other financing operations.

How does it work?

You activate an annual limit at no cost

When you apply for Click&Pay, you choose an annual credit limit between a minimum of €2,000 and your pre-approved maximum. This limit is available for one year at no cost, since you only pay for the money you draw down.
You make drawdowns online

When your company has to make payments, you request a drawdown for the amount you need. It can't be less than €600 or higher than the limit. Once each drawdown is evaluated and approved, the money is deposited into your account.

What can be financed?

You can finance 5 types of business payments. When you make a drawdown, you will have a deadline to pay back the amount that depends on the type of payment, although you can repay it early if it's more convenient.
Taxes:

-Corporate Tax and Personal Income Tax (IPRF): term of up to 6 months.

-VAT or IGIC: term up to 3 months.

Imports: term of up to 4 months.

Orders with national suppliers: term up to 3 months.

Social security: 1-month term.

Payroll: 1-month term.

The payments will be charged every month to the company account you have specified.

You can apply for Click&Pay from the app or online business banking, without having to sign before a notary

And the costs?

You pay the drawdown fee

A commitment fee with zero interest, that is applied to the amount drawn down and depends on the repayment period. The shorter the term, the lower the fee.
Details of repayment terms and fees
The minimum fee is €30 and is applied to the amount you request, based on the repayment period you choose:

1 month: 0.5%

2 months: 1%

3 months: 1.25%

4 months: 1.50%

5 months: 1.75%

6 months: 2%

This example will make it clear

Click&Pay example
Click&Pay example Amount drawn down €2,000
Click&Pay example Repayment period 6 months
Click&Pay example Monthly installment €323
Click&Pay example Drawdown fee (2% of the drawdown amount, minimum €30) €40
Click&Pay example In total, you will pay €2,040

Calculate how much it would cost

Apply for a Click&Pay credit limit, entirely online

Apply

Would you like more information?

Credit limits set via the app are not subject to limit analysis, maintenance or novation fees. These fees are negotiable for credit limits agreed in-branch.
The limit can only be renewed on contracts signed in-branch, and the renewal fee is negotiable.
Start-up fee of the drawdown: this is a percentage of the amount of each approved drawdown request, with a minimum of €30. This fee will be charged when you receive the amount of the drawdown.
No interest payment. The APR will depend on the purpose of the drawdown and the repayment period selected.

Are you looking for another type of business loan?

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.

More products for your business

Up to €50,000 a year for your day-to-day operations.

Finance whatever you need, with no supporting documents.

Apply instantly 100% online.
More information Apply
Up to €50,000 for self-employed individuals and SMEs.

Have it in your account in 24 hours.

Fixed and personalized interest rate.
More information Apply
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All banks in the online business banking app

Quickly add and use all your accounts, including those you have in other banks. You'll be able to make better decisions while saving your business valuable time.

More information

Why BBVA?

Our goal is to make life easier for those who work day in and day out to make their businesses grow.
We believe in a way of banking that focuses on people: bancaresponsable.com.

Information

The information that BBVA provides on its financing products does not constitute a firm offer. The amounts shown on the factsheet and in the personalized calculation are based on estimates that we make based on the data we have on you, and are always subject to approval by BBVA. This factsheet also does not imply a recommendation to apply for the products or amounts indicated, nor does it commit BBVA to grant them. Furthermore, its information does not replace or amend the pre-contractual and/or contractual documentation that we will send you if your financing application is approved, which you must read and consent to before signing the contract.

Convenient, fast and instant

Get an annual limit at no cost

When you apply for Click&Pay, the bank will offer you an annual and revolving credit limit from which you can draw down as needed. No cost is applied to this limit, since you only pay for the money you use.

Make drawdowns online

When you need to finance a company payment, you request a drawdown through online business banking and the amount is deposited into your account. You can also finance the payment at the time of the transaction.

What can be financed?

You can finance 5 types of business payments. When you make a drawdown, you will have a deadline to pay back the money that depends on the type of payment, although you can repay it early if it's more convenient.

Taxes and levies: term of up to 6 months.

Imports: term of up to 4 months.

National suppliers: term up to 3 months.

Social security: 1-month term.

Payroll: 1-month term.

The amount payable will be charged on the due date in the associated company account.
With Click&Pay, you can finance the payment you are making right away
And the costs?

You pay the drawdown fee

A commitment fee with zero interest, that is applied to the amount drawn down and depends on the repayment period. The shorter the term, the lower the fee.

Details of repayment terms and fees

The minimum fee is €30 and is applied to the amount you request, based on the repayment period you choose:

1 month: 0.5%

2 months: 1%

3 months: 1.25%

4 months: 1.50%

5 months: 1.75%

6 months: 2%

This example explains how Click&Pay works

If you sign up for the Click&Pay limit, you pay no activation fee, availability fee, or early payment fee for repaying early

Here is a clear example:

Juan has taken out a credit limit of €15,000 for his professional activity.

This contract has a duration of 12 months.

You request a drawdown of €2,400 to pay a national supplier.

The maximum repayment period will be 3 months.

If you choose the maximum term, you will pay €800 a month (€800 x 3 months = €2,400).

The commitment fee will be €30 (1.25% x €2,400), which you will pay when making the drawdown. 7.78% APR.

Once he pays back the €2,400, his limit will go back to €15,000.
Apply for a Click&Pay credit limit

You can sign up through your adviser or get information at your nearest branch.

Request information

Would you like more information?

No. The fee is charged to the linked account; but it is not deducted from the amount drawn down. If you request a draw down of €800 and BBVA approves it, you will receive €800.

The company must invoice over 5 million euros a year and have an account with BBVA, where the drawdowns will be deposited and the payments will be charged.

To sign up for Click&Pay, you have to go to a branch and speak to an adviser. When BBVA approves the requested limit, the contract is signed before a notary. Once approved, you have to register with online business banking in order to request drawdowns online.

The credit limit you choose when you apply is annual, and cannot be changed during those 12 months. In any event, since the limit does not affect the price, you can choose a higher amount than what you need, as long as it's within your pre-approved limit. It will cost you the same and give you better coverage.

Yes, it's possible that BBVA will not issue you your full credit limit. And, once your limit has been approved, you may be denied a drawdown request. Every time you request a drawdown, the bank will evaluate the viability of your proposal.

Are you looking for another type of business loan?

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
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Information

The information that BBVA provides on its financing products does not constitute a firm offer. The amounts shown on the factsheet and in the personalized calculation are based on estimates that we make based on the data we have on you, and are always subject to approval by BBVA. This factsheet also does not imply a recommendation to apply for the products or amounts indicated, nor does it commit BBVA to grant them. Furthermore, its information does not replace or amend the pre-contractual and/or contractual documentation that we will send you if your financing application is approved, which you must read and consent to before signing the contract.

Click & Pay credit limit