Go to main content
Home of BBVA for Businesses
  • People
  • Self-employed professionals and businesses
  • Access Access Access
    Access Access Access
  • Become a customer
  • Menu
    Close
Click enter
Suggestions
    Products
    Home
    • Accounts
    • Cash management
    • Financing
    • POS terminal
    • Collection management
    • Cards
    • Insurance
    • Endorsements
    • Trade finance
    • Renting
    • Public Sector
    • Agro
    • Hospitality
    • Pension plans
    Branches and ATMs

    BBVA Newsroom

    Individuals Self-employed people and companies
    • Home
    • Accounts
    • Cash management
    • Financing
    • POS terminal
    • Collection management
    • Cards
    • Insurance
    • Endorsements
    • Trade finance
    • Renting
    • Public Sector
    • Agro
    • Hospitality
    • Pension plans
    Click enter
    Suggestions

      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
      Branches and ATMs
      BBVA Newsroom
      Become a customer
      ADVERTISING
      MM/DD/YYYY

      EIB Loans for self-employed workers and SMEs

      Financing from the European Investment Bank (EIB) for your company

      • The investments can be financed both as a loan or as leasing.
      • Repayment term of 2 to 12 years.
      • You will have preferential financing conditions, both in terms of the interest rate and the fees.

      How does the EIB loan work?


      • We help you finance investment projects that aim to strengthen the productivity and competitiveness of companies through the European Investment Bank (EIB) Lines, offering you preferential conditions in both the interest rate and fees for SMEs and freelancers. 

        BBVA has been working for over 25 years with EIB Lines and for over 150 years helping you to grow every day. Put your trust in our team of specialists and get a customized line of financing for your company.

      When leasing, BBVA acquires an asset for which you pay rent.

      Characteristics of the EIB loan


      • Line for freelancers and SMEs

        Those who can benefit are as follows:

        • Self-employed individuals, small and medium-sized enterprises (SMEs) with fewer than 250 employees. 
        • SMEs and companies (Midcaps), with up to 3,000 workers.

        Territorial scope

        • Both the Final Payees and the investment Projects must be located in any European Union member state.

        Validity

        • Until the available funds are exhausted.

      Eligible investment projects


      • Finance investments and expenses that belong to an eligible investment project, including:

        • Acquisition, renewal or extension of tangible assets that are not land.
        • Intangible assets: development, planning and financing costs during the construction phase of the material asset, R&D costs, process licenses, software, patents, marks...
        • The needs of medium and long-term working capital linked to the productive cycle of the company. As well as for financing needs arising as a result of the economic crisis caused by COVID-19.

      Terms and conditions of the EIB loan


      • Maximum amount

        • Investment projects up to €25 million. Up to 100% of the investment with a maximum amount of €12.5 million.

        Financing modality 

        Transactions can be formalized in either the loan or leasing modality. 

        Transaction period 

        The transaction period is flexible, though it cannot exceed the economic and technical duration of the financed Project.

        Interest rate and fees 

        You will have preferential financing conditions, both in terms of the interest rate and the fees.

        BBVA financing through BEI Lines. The granting of transactions is subject to compliance with the requirements established in each of the EIB Lines and prior financing authorization on behalf of BBVA

        ​The EIB is the European Union's Community financing agency, whose main mission is to contribute to the balanced development of Community territory through economic integration and social cohesion. Its shareholders are the EU member states.

      You might also be interested in

      • ICO Business and Entrepreneur

        To finance your business activities and investment projects related to activity in Spain through ICO Facilities.

        December 27, 2024 closing of the lines.

        Next opening in 2025.

        Apply
        More information
      • BBVA Business Loan

        • No maximum limit, whatever your company needs.
        • Up to 10 years to repay it.
        • Fixed, variable or mixed interest rate.
        Apply
        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
      Offer valid during current month
      1. Financing
      2. European Investment Bank EIB credit lines
      Footer
      • More BBVA

        • Agro
        • Franchises
        • Hospitality
        • BBVA Spark
        • Entrepreneurship
        • Experts in companies
        • BBVA Consumer Finance
        • Shareholders
        • BBVA Research
        • Jobs at BBVA
        • Network of BBVA agents
        • bbva.com
        • BBVA Pivot
        • Currency exchange
        • Responsible business
        • BBVA Asset Management
      • The latest

        • Aid affected DANA
        • Sustainability
        • 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
        • APIs for companies
      • Calculators and simulators

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

        Branches and ATMs

        Online Business Banking

        Blog - Finances at a glance

        Podcast

        Economic dictionary

        Apps

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

      Banco Bilbao Vizcaya Argentaria S.A. 2025