Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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    Experiences

    • Aggregation service

      Aggregation service

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

    • BBVA My Business

      BBVA My Business

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

    • BBVA Company aggregator

      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.

    Zero fees for the first 12 months, extendable indefinitely depending on your company's turnover.

    More information
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      ADVERTISING
      MM/DD/YYYY

      Online loan for businesses and self-employed workers

      Online loan that lets you get financing for your business investments

      • Up to €50,000 if you are self-employed or if your SME invoices less than €5 million a year.
      • Term from 14 months to 8 years (96 months).
      • Fixed and personalized interest rate.
      • You can finance general machinery, vehicle, transportation (not vehicle), electronics, computer equipment or other investments.
      Apply

      Available directly in your account

      Get the financing you need in just one day, quickly and easily.
      Simulate conditions

      100% online financing for self-employed workers and SMEs

      • Get financing for self-employed workers and businesses in just 3 minutes.

        We make applying simple so you can spend your time on what really matters:

        1. Log into your private area and select the Online Business Loan.
        2. Choose the amount, the repayment period and the purpose of the loan.
        3. Fill in the application and use your digital signature.

        If you meet the conditions and everything is correct, the money will be credited to your account after signing. 

      This example will make it clear

      • Suppose you have an SME and you want to request a €25,000 loan for self-employed workers to upgrade your computer equipment. You would like to repay the money in a few years and have the monthly payment be less than €1,000.

        This is you how much you would have to pay per month depending on the amount and the period:

        • Amount of the loan: €25,000.
        • Term: 3 years.
        • Interest rate: 6.5% NIR, 6.98% APR.
        • Monthly payment: €766.23.
        • Commitment fee: 0.25% of the requested amount, with a minimum of €100.
        • Total amount: €27,684.10.

      What are the requirements?

      • If you are self-employed:

        • To request a loan for self-employed workers, you must have a BBVA account for at least 6 months.

        If you have an SME:

        • To apply for a BBVA loan for businesses, you need to have a BBVA account for at least one year.
        • Your SME must also be at least 3 years old and not invoice over 5 million euros a year.

      Apply for Online Loan for Self-Employed Workers and SMEs

      You can apply for it 100% online.

      Apply

      Would you like more information?

      Yes, it has a commitment fee based on the repayment period, which will be applied to the amount borrowed.

      If you decide to repay some or all of your loan before the end of the period specified in the application, you will have to pay an early repayment fee of 5% of the amount repaid.

      • From a minimum of €1,500 to a maximum of €50,000 if you are self-employed or if you have a company with a turnover below €5 million a year.

      Yes, to apply for this loan, you must have been with BBVA at least 6 months if you are self-employed or 1 year if you have a company.


      You also need to have a BBVA account, which is where the money will be deposited and the payments will be charged. If you don't have it yet, you can open an account now.

      When applying for the loan, you have to specify how you are going to invest the money (machinery, electronics, vehicles, etc.). 

      Once you apply, BBVA may request proof to verify the purpose. If you can't provide proof or if the purpose is not as shown on the application, the Bank may amend the loan conditions.

      Yes, BBVA could deny your loan. Please note that the application does not imply approval by the bank. Once you complete your application, the bank will determine whether your proposal is viable.

      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

      Other products that might interest you

      • Click&Pay credit limit

        • Finance social insurance, payroll, taxes or vendors.
        • You only pay for the amount you draw down.
        • No early repayment penalty or activation fee.
        More information
        Apply
      • Discount

        Negocios Credit Card

        • Up to 2% on Repsol Group gasoline.
        • Roadside assistance. 
        • Accident insurance.
        • Pay the following month or in installments. 

        And if you take it out before June 30, you can get an additional discount on fuel of up to 5%.

        More information
        Apply
      • BBVA Allianz Autónomos Sick Leave (ILT) Insurance

        • Keep your income when you can't work.
        • Know in advance how much you will receive.
        • Additional benefit for hospitalization.
        More information
        Apply

      View all your banks from BBVA

      • If you are a self-employed worker

        Monitor all your bank accounts at a glance right from the BBVA app with the aggregation service.
        Start
      • If you have a business

        Add and quickly manage your business accounts from just one place with BBVA One View.
        Explore
      See all the tools

      Be a BBVA customer.

      • At BBVA, we want to help you with the daily management of your business.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.

      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
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      2. Online Negocios loan
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