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    Negocios Online Credit Account

    Get liquidity for your everyday business needs with the Negocios Online Credit Account

    Finance what you need.
    • Up to €50,000 a year to make your purchases whenever you want.
    • You do not have to submit supporting documents for expenses.
    • Sign up instantly 100% online.

    Do you need a loan of over €50,000?

    If you need more than the amount offered online, you can apply for the Negocios Credit Account at our branches.
    Apply

    Forget about the paperwork

    • Sign up online
      1. Log in to your private area and choose the online credit account.
      2. Fill in the application and use your digital signature.
      3. If everything is correct, you can start using your account in just 24 hours.
    • Without signing at the notary office
      To open your credit account, you do not need to sign at a notary office. Moreover, unlike other types of financing such as loans, you do not need to justify expenses by submitting invoices or similar documents. 
    With the Negocios Online Credit Account, you can also make and receive transfers, direct debit bills, or get paid with a POS terminal.

    What about expenses and interest?

    • Every three months you will receive the charge corresponding to the settlement of expenses in your credit account. These are the usual expenses for in any credit account: 

      1. Interest on drawdowns. It is fixed and is applied to the amount you have drawn each quarter.
      2. Availability fee. It is applied to the amount you have not drawn each quarter. 

    Are you interested?

    You can contract it 100% online.

    Apply

    Would you like more information?

    Yes, the Online Credit Account has fees:

    Commitment fee applied to amount taken out in the contract and at each annual renewal.

    Early cancellation fee that is applied to the amount to be cancelled if you decide to close the account before the credit maturity date.

    Maintenance fee that is applied to the average credit balance in each quarter, if any.

    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

    Would you prefer a different type of financing?

    • A credit line for your business's usual payments with no activation cost.
      • Finance payments to suppliers, taxes, payroll, social security or the collection on your bills.
      • You only pay an availability fee for the money you use from your limit, which varies depending on the term or purpose for which you use it.
      • No early repayment penalty.

       

       

    • This is a long-term loan that lets you get financing for your business investments, such as vehicles, machinery and more. 
      • Up to €50,000 for self-employed individuals and SMEs. 
      • Available in your account after signing. 
      • Fixed and personalized interest rate.
      • We will arrange to pay your suppliers on the exact date. 
      • If you do not have liquidity, you can finance the repayment in installments. 
      • Your suppliers will be able to request payment in advance.
    See more financing

    We help you manage your business's day-to-day

    • Monitor your other banks

      Add and monitor your accounts at other banks without leaving the BBVA app.

    • Manage your sales

      If you have a business, manage your sales, remittances, and POS terminal quickly and easily with My Business.

    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.
    Online Credit Account
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