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    • Home
    • Accounts
    • Financing
      See all the financing
      Loan for self-employed workers and companies Commercial Premises Mortgage Online POS Terminal Loan Leasing Click & Pay credit limit Multi-Purpose Financing Line Credit Account
      • Financing for non-customers
    • POS terminal
      See all POS terminals and dataphones
      Virtual POS Mobile POS terminal Android POS terminal POS terminals for the hospitality industry POS terminal for tourism and hotels POS terminal sales management POS terminal for stores
      • Search for POS terminal
    • Cards
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      See all our insurance policies
      Civil Liability Insurance Sick leave insurance Health Insurance for the Self-Employed Health Insurance for Companies Multi-Risk Insurance Cyber Risk Insurance
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      Experiences

      • Aggregation service

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

      • BBVA My Business

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

      • 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.
      More information
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      Commercial Discount

      Easily get an advance on your payments

      We will give you an advance on unexpired commercial credit that you hold with third parties, such as promissory notes or invoices:

      • Collect payments early for up to 6 months.
      • You choose the amount you need.
      • With unique conditions for being a customer.
      Apply

      Advantages of the Trade Discount


      • If a businessperson needs an advance on pending commercial credit their company has with third parties, we will give it to them. An advance that involves many advantages for businesses and companies.

        • Liquidity. To benefit from an advance on the amount of sales already made and formalized through commercial bills. 
        • Finance. The habitual product for working capital financing. 
        • Speed. Get the discount processed and approved in a very short time. 
        • Convenience. The majority of companies have notes they can discount -these may be bills of exchange, promissory notes or ordinary bills and invoices.

      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

      • Factoring

        Guarantee your receivables and collect your outstanding invoices early with BBVA, and get liquidity.
        Apply
        More information
      • Click&Pay Credit Limit

        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.
        See conditions
        More information
      • Reverse Factoring

        • 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.
        Apply for this service
        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
      Commercial Discount
      Apply
      Offer valid during current month
      1. Financing
      2. Commercial Discount
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