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.
Click&Pay credit limit
Finance your business's usual payments
An easy way to keep your payments updated.
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Finance taxes, payroll, suppliers or social security.
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You only pay for the money you draw down.
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No early repayment penalty or activation fee.
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Self-employed How does it work?
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You activate an annual limit at no costWhen 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?
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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 of up to 4 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?
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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.
And forget about the restIf you sign up online for the Click&Pay limit for one year, you pay no activation fee, availability fee, or early payment fee.
It's easier to see in this example.
Would you like more information?
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 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.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.More products for your professional activity
See more financing-
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Online Credit Account
- Up to €25,000 a year for your day-to-day operations.
- Finance whatever you need, with no supporting documents.
- Apply instantly 100% online.
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Online Negocios Loan
The investment that your business needs (up to €50,000). Immediate approval and fixed, personalized interest rate. -
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Sick leave insurance
- Keep your income when you can't work.
- Know in advance how much you will receive.
- Additional benefit for hospitalization.
Your accounts at a glance
View the status of your accounts, cards or recent transactions with the aggregation service on the BBVA app.
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.
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SMEs How does it work?
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You activate an annual limit at no costWhen 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 onlineWhen 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 of up to 4 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 Net Cash or the app, 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.
And forget about the restIf you sign up for the Click&Pay limit, you pay no activation fee, availability fee, or early payment fee during the year-long contract period
It's easier to see in this example.
Would you like more information?
The company 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.
Your company must also be at least 3 years old and not invoice over 5 million euros a year.
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 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.
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.More products for your business
See more financing-
![]()
Online Credit Account
- Up to €25,000 a year for your day-to-day operations.
- Finance whatever you need, with no supporting documents.
- Apply instantly 100% online.
-
![]()
Online Negocios Loan
The investment that your business needs (up to €50,000). Immediate approval and fixed, personalized interest rate. -
![]()
CiberSeguro BBVA Pymes y Autónomos
- Protect your business against computer attacks.
- Professional and legal advice.
- Compensation if data is lost or stolen.
Every bank in the BBVA Net Cash 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.
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.
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Business Convenient, fast and instant
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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 onlineWhen you need to finance a company payment, you request a drawdown through Net Cash 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, which varies for each customer and is applied to the amount drawn down.
And forget about the rest
During the year-long contract period, Click&Pay has no activation fee, availability fee, or early payment fee.
It's easier to see in this example.
Apply for a Click&Pay credit limit
You can sign up through your adviser or get information at your nearest branch.
Would you like more information?
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 Banking for Companies - Net Cash - in order to request drawdowns online.
Yes, you can renew it annually, up to a maximum of 10 years. The conditions will have to be re-negotiated every year.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 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.More products for your company
See more financing-
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BBVA Business Loan
- No maximum limit, whatever your company needs.
- Up to 10 years to repay it.
- Fixed, variable or mixed interest rate.
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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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Financing of imports
- A credit limit for purchases abroad.
- An amount is available to you for the whole year.
- You can finance directly from your online banking service.
Track your business sales in real time
With My Business, you can manage your business's day-to-day operations from your cell phone. Easily register your sales, remittances and POS terminal so you can review them as needed.
Be a BBVA customer.
- At BBVA, we offer a wide range of insurance products for protecting both you and your business.
- We are leaders in digital innovation working to make your life that bit easier.
- We believe in doing things a transparent, clear and responsible way.
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.
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Click&Pay is a credit limit for paying taxes, salaries, and suppliers. When you activate it, you have an amount of money available to use when you need it.
Click & Pay credit limit
Apply