The only requirement you have to satisfy to open a Linked Credit Account is to be self-employed.
Associated Credit Account
Liquidity for your payments whenever you need it.
Financing always available.
For your usual business activities.
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Up to €25,000 credit in your account
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You do not have to indicate the destination of the money with invoices.
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Reduced interest rate if you take out and maintain other BBVA products.
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Self-employed Self-employed How does it work?
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The Linked Credit Account allows you to have available liquidity when you need it. So you'll have a balance in your account for your business expenses. If you're self-employed, you'll be able to use it as working capital (for your daily business activity), to finance stock and other business activities.
You'll have access to a minimum of €3,000, with 12 months to repay and the ability to renew at expiration, up to a maximum of 3 years.
What's the interest rate?
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The Linked Credit Account will have a fixed interest rate for the first three months. For the remaining term, a variable interest rate will be applied (3-month Euribor + differential). The interest rate will be updated every 3 months.
Both the interest rate applied in the initial months and the margin that will be used subsequently are calculated based on the products you have with us and your financial situation.
How I can improve the conditions?
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You can reduce the interest rate by up to 1.50% if you direct deposit your payroll, social security or tax payments, contract BBVA services or meet certain conditions.
Would you like more information?
The following fees apply to the Linked Credit Account:
- Commitment fee.
- Availability fee.
- Administration fee.
- Early cancellation fee.
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BBVA POS comparison tool
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Health Insurance for Companies and Self-Employed Workers
An insurance policy with more than 45 professionals, 1,200 medical centers and a 24-hour emergency service. -
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Sick leave insurance
Ensure your income for when you are on leave from work and know in advance how much you will receive.
Be a BBVA customer.
- At BBVA, we want to help you grow your business by offering the financing you need.
- 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.
- At BBVA, we want to help you grow your business by offering the financing you need.
- 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.
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.View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service. -
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SMEs SMEs How does it work?
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The Linked Credit Account allows you to have liquidity when you need it. So you'll have a balance in your account for your business expenses. You'll be able to use it as working capital (for your daily business activity), to finance stock and other business activities.
You'll have access to a minimum of €3,000, with 12 months to repay and the ability to renew at expiration, up to a maximum of 3 years.
What's the interest rate?
-
In the first three months, the Linked Credit Account will have a fixed interest rate. For the remaining term, a variable interest rate will be applied (3-month Euribor + differential). The interest rate will be updated every 3 months.
Both the interest rate applied in the initial months and the margin that will be used subsequently are calculated based on the products you have with us and your financial situation.
How I can improve the conditions?
-
You can reduce the interest rate by up to 0.75% if you direct deposit your payroll, social security or tax payments, contract BBVA services or meet certain conditions.
Would you like more information?
The only requirement you have to satisfy to open a Linked Credit Account is to be a SME.The following fees are applicable to opening and using a Linked Credit Account:
- Commitment fee
- Appraisal fee
- Availability fee
- Administration fee.
- Early cancelation fee
You might also be interested in
See more financing-
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BBVA Directors and Officers Liability Insurance
Deal with law suits that can jeopardize your personal assets as a manager or director. -
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BBVA Autónomos and SMEs Civil Liability Insurance
Focus on your business and protect both it and your employees from potential damage caused to third parties. -
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BBVA SegurPyme
Comprehensive insurance that protects your SME by ensuring your goods, assets and activity.
Be a BBVA customer.
- At BBVA, we want to help you grow your business by offering the financing you need.
- 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.
- At BBVA, we want to help you grow your business by offering the financing you need.
- 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.
Discover BBVA One View
Add and manage all your business bank accounts in one place.
Manage all your accounts, make better decisions, and save time for your business.
Manage all your accounts, make better decisions, and save time for your business.
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Obtain liquidity whenever you need it with our Linked Credit Account. Having enough money to cover all your business expenses will give you peace of mind.