The Online Business Loan is a 100% digital financing process designed for BBVA customers in which you choose and request the loan amount, we analyze your profile and, once approved and signed by you, you receive the money in your account instantly.
Online Business Loan
Finance for promoting your business
Get immediate financing without paperwork. Request the amount, purpose, repayment period, and you will have your loan ready in less than 3 minutes.
The fastest way to boost your business
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Access financing without paperwork
Get your pre-approved loan through the app or website without having to go to a branch.
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Designed to help your business move forward
Finance equipment, infrastructure, or modernization and efficiency plans.
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Direct and immediate access to your account
In a matter of minutes we review your information and deposit the requested amount into your account.
Conditions and bonuses tailored to you
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Direct, transparent financing with no surprises
- From 14 months to 10 years to repay it if you are self-employed, and from 14 months to 7 years to repay it if you are an SME.
- Predefined fees in your application depending on the amount you request.
- From €1,500 to €50,000 if you are self-employed or your company has an annual turnover of less than €5 million.
- Fixed and personalized interest rate.
- A bonus for sustainable projects if you provide the corresponding documentation.
- If something remains to be paid back on the last day, the charge will be made to your account, without interest or penalties.
This example will make it clearer
Pedro has an artisan bakery and needs €25,000 to upgrade his machinery. He wants to repay the money in installments of less than €1,000 a month.
Quickly and from his bakery using his mobile phone, Pedro was able to calculate his installment and apply for the loan online.
How did he calculate his payment?
- Amount: €25,000.
- Repayment period: 5 years.
- Interest rate: 4.65% NIR, 4.75% APR.
- Commitment fee included in the APR: 0.25% of the amount requested (€100 minimum).
- Monthly payment: €467.97
- Total amount: €28,066.99
Not all businesses need the same loan
You can compare the differences between an Online Loan and a Business Loan to choose how you want to finance your business.
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Online Business Loan
If you're looking for immediate financing, your credit can be available instantly.
- 100% digital application via BBVA website or app.
- Amounts from €1,500 to €50,000 (digital) or more in-branch.
- Repayments defined in your application.
- Personalized fixed-interest rate
- Limited to financing specific assets.
- Maximum term of 10 years for self-employed individuals and 7 years for SMEs.
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Business Loan
If you need a solution tailored to your company's cycles and guided financing, this is the ideal option.
- Apply in-branch.
- From €3,000 and no defined limit.
- Flexible and personalized installments.
- Fixed or variable interest rate.
- Varied purpose of loan: working capital, expansion or other investments.
- Maximum term of 10 years.
Do you need anything else?
The information that BBVA provides on its financing products does not constitute a firm offer. The amounts shown on the factsheet and in the personalized calculation are based on estimates that we make based on the data we have on you, and are always subject to approval by BBVA.
This factsheet also does not imply a recommendation to apply for the products or amounts indicated, nor does it commit BBVA to grant them. Furthermore, its information does not replace or amend the pre-contractual and/or contractual documentation that we will send you if your financing application is approved, which you must read and consent to before signing the contract.
Online Business Loan