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      Agropréstamo: Financing for farms and livestock businesses

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

      Financing tailored to farms and livestock businesses.

       

      • Adjust each payment to your business income.
      • Up to 10 years.
      • Compatible with official subsidies.
      • If you direct deposit your CAP into a BBVA account, we will waive your loan's commitment fee.
      Apply

      Do you want it?


      • Applying for the Agropréstamo loan 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 loan for an agricultural or livestock holding that needs €60,000 at 60 months with variable interest rate without commitment fee:

        • Interest rate: 5.037%.
        • APR: 5.133%.
        • No commitment fee.
        • Repayment: French quarterly system.
        • Variable interest: 12-month Euribor + 1.5%.
        • Quarterly payment: €3,412.37.
        • Final payment: €3,412.26.
        • Total amount: €68,247.29.

        Example calculated using the 12-month Euribor from 02/06/2024: 3.537% + 1.5%.

         

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

        • Interest rate: 5.037%.
        • APR: 5.554%.
        • Commitment fee: 1 % (€600).
        • Repayment: French quarterly system.
        • Variable interest: 12-month Euribor + 1.5%.
        • Quarterly payment: €3,412.37.
        • Final payment: €3,412.26.
        • Total loan amount: €68,247.29 + €600 = €68,847.29.

        Example calculated using the 12-month Euribor from 02/06/2024: 3.537% + 1.5%.

      What are the main costs involved?


        • Fee for partial and full early cancellation: 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:

        • You must be an arable farmer, livestock farmer, or engaged in a forestry activity.
        • Having an account at BBVA.

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

      Apply for Agropréstamo

      Apply

      Would you like more information?

      Yes, the Agropréstamo allows you to buy land or a warehouse for a farming or livestock business, tailoring the payment to your business's income and offering you up to 10 years to repay it (if you need a longer term, you will have to talk to your adviser to guide you towards a business mortgage for agricultural purposes that suits your needs). In addition, this mortgage for agricultural purposes can be compatible with other grants.

      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 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

      • CAP Advance

        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.

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      • Loans with SAECA Guarantee

        Spread out your investments to finance irrigation systems, land, machinery and construction.

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

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      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

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      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.
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      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.
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