Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Go to main content
Home of BBVA for Businesses
  • People
  • Self-employed professionals and businesses
  • Become a customer
  • Access Access Access
  • Menu Close
Products
Home
  • Accounts
  • Cash management
  • Financing
  • POS terminal
  • Collection management
  • Cards
  • Insurance
  • Endorsements
  • Trade finance
  • Renting
  • Public Sector
  • Agro
Branches and ATMs
BBVA Newsroom
  • Español
  • Català
  • English
  • Galego
  • Euskara
Individuals Self-employed people and companies
  • Home
  • Accounts
  • Cash management
  • Financing
  • POS terminal
  • Collection management
  • Cards
  • Insurance
  • Endorsements
  • Trade finance
  • Renting
  • Public Sector
  • Agro
Click enter
Suggestions

    Experiences

    • Aggregation service

      Aggregation service

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

    • BBVA My Business

      BBVA My Business

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

    • BBVA Company aggregator

      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.

    Zero fees for the first 12 months, extendable indefinitely depending on your company's turnover.

    More information
    Branches and ATMs BBVA Newsroom
    Access Access Access
    • Español
    • Català
    • English
    • Galego
    • Euskara
    Become a customer
    Click enter
    Suggestions
      ADVERTISING
      MM/DD/YYYY

      Agropréstamo

      A loan designed to let you invest in your agricultural or livestock farm

      A loan designed for farmers and ranchers

       

      • Adjust each payment to your business income.
      • Up to 10 years.
      • Compatible with other official subsidies.
      • New: If you direct deposit your CAP into a BBVA account this year, we will waive your loan's commitment fee for terms over 12 months
      Apply
      Illustration of a hand and a leaf
      Direct deposit your CAP and get a free €25 fuel voucher
      If you direct deposit your CAP into your BBVA account, you will get special conditions in financing solutions, and if the CAP exceeds €3,000, you'll also receive a gift voucher for fuel worth €25
      More information

      Do you want it?

      • Applying for the Agropréstamo is very simple, you just need to follow the following steps:

        • Request a minimum of €600.
        • Choose the term you need for your investment:
          - Medium and long term for agricultural or livestock investments
          - Short term for campaign loans and subsidy advances. Excluding CAP advances, which have their own CAP Anticipo Agropréstamo product.

      This example will make it clear

      • Example for a variable-rate, 60-month, €50,000 loan with no commitment fee:

        • Interest rate: 5.495%
        • APR: 5.609%
        • No commitment fee
        • Repayment: French quarterly system
        • Variable interest: 12-month Euribor + 1.75%
        • Monthly payment: €1,228.83
        • Final payment: €1,228.39
        • Total amount: €73,729.36

        Example calculated using the 12-month Euribor from 03/01/2023: 3.745% + 1.75%.

         

        Example for a variable-rate, 60-month, €50,000 loan with commitment fee:

        • Interest rate: 5.495%
        • APR: 5.770%
        • Commitment fee: 1% (€500)
        • Repayment: French quarterly system
        • Variable interest: 12-month Euribor + 1.75%
        • Monthly payment: €1,228.83
        • Final payment: €1,228.39
        • Total loan amount: €73,729.36 + €500 = 74,229.36

        Example calculated using the 12-month Euribor from 03/01/2023: 3.745% + 1.75%.

         

      What are the main costs involved?

        • Commitment fee: we will apply it to the loan amount only once, but if you direct deposit your CAP subsidy into a BBVA account in 2023, we will waive this fee for the financing operation.
        • Study Fee: applied to the loan amount only once,
        • Partial or total early repayment fee: we apply it whenever you make a partial repayment or when you repay the entire outstanding amount in advance. Applied to the amount paid.

        Both the interest rate and the fees depend on various factors. Ask your adviser for a simulation.

      What conditions do you have to meet?

      • To obtain the Agropréstamo, you must meet the following conditions:

        • Dedicate yourself to agriculture, stockbreeding or forestry.
        • Having an account at BBVA.

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

      Apply for Agricultural Loan

      Apply

      Would you like more information?

      Excluded are transactions established as such in the contract, partial drawdowns and interest in advance.

      Both the interest rate and the fees depend on various factors. Ask your adviser to calculate a quote for you according to your personal situation.

      When you take out the loan, you can establish higher monthly payments for the months in which you have larger income and lower monthly payments during low income months.

      You can choose between a fixed, mixed or variable interest rate. If you choose a fixed-rate loan, the monthly payment and the interest rate applied will not vary for the entire term of the loan. If you choose the variable-rate loan, the monthly payment will depend on the reference rate (usually Euribor) plus the fixed differential applied to the loan. For example, Euribor + 1.5%. If you prefer a mixed interest rate, a fixed interest rate will be applied during the initial period of the loan, and a variable interest rate will be applied during the remaining term.

      You can choose a period during which to pay only interest. In this case, with the bank's approval, you will be able to request up to a 36-month grace period.

      The NIR (Nominal Interest Rate) is what you pay the bank to lend you money. 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.

      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

      You might also be interested in

      • New for 2023

        CAP Advance Agropréstamo loan

        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.

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

        More information
        Apply
      • Loans with SAECA Guarantee

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

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

        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
      Agropréstamo
      Apply
      Offer valid during current month
      1. Financing
      2. Agropréstamos: loans for farmers
      Footer
      • More BBVA

        • Agro
        • Guide to setting up a business
          Experts in companies
          Responsible business
        • Shareholders
        • BBVA Research
        • Jobs at BBVA
        • Network of BBVA agents
        • bbva.com
        • BBVA Pivot
      • The latest

        • ICO Ukraine Guarantee Facility
        • BBVA Company aggregator
          Financial aggregator for self-employed workers
          BBVA My Business
        • Online Business Loan
        • Negocios Account
        • Online Credit Account
        • Negocios Credit Card
        • Insurance for companies
        • Cybersecurity
      • Calculators and simulators

        • Loan Simulator
        • Car loan calculator
        • Mortgage calculator
        • IBAN calculator
          Salary calculator
          Gasoline cost calculator
          BBVA Valora
          BBVA Invest
          Environmental impact calculator for companies
      • Utilities

        Branches and ATMs

        Online Business Banking

        Finances at a glance

        Economic dictionary

        Apps

      BBVA logo
      Legal notice
      Cookies
      Personal data
      Statutory reports
      Payment services
      Fees
      Notice board
      Responsible business
      • Español
      • Català
      • English
      • Galego
      • Euskara

      Banco Bilbao Vizcaya Argentaria S.A. 2023

      Creating Opportunities