Is there a commitment fee?

Yes, it has a commitment fee that is based on the amount borrowed. If your goal is sustainable, 100% of this fee will be waived.

What do I need to apply for the loan?

You need to be a BBVA customer , have an account where the money will be deposited and the installments will be debited and have been with BBVA for at least 6 months if you are self-employed or 2 years if you have a company.

What factors are considered when granting a loan to self-employed individuals and companies?

To access this loan, BBVA takes into account several factors such as: Length of time as customer: You must have been with the bank for at least 6 months if you are self-employed, or 2 years if you are a company. Invoicing: Your business must have an annual turnover of less than 5 million euros. Ability to Pay: Your BBVA account history and creditworthiness are analyzed to ensure you can repay the installments without problems.

How much money can I request?

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.

What can I invest in to make my business more sustainable?

Mobility: Purchase of electric vehicles, plug-in hybrids, installation of charging points for electric vehicles, bicycles (with and without motors) and electric scooters. Solar panels: Installation of solar panels for self-supply. Lighting: Incorporation of LED technology. Insulation: Improvements to the insulation of the building envelope (façades, roofs, etc.), adding to the existing insulation or installing windows with two or three panes. Control and automation: Lighting, HVAC, installation of motion detectors for lighting, and automatically turning installations on and off. Heating and hot water: All condensation boilers are included, as are HVAC systems, provided that the latter are in one of the two highest energy efficiency categories. Household appliances: Purchase of large volume appliances (excluding microwave and small appliances); must be in one of the two highest energy efficiency categories. Your household appliances or heating systems must have the type A label (equivalent to the old A+++) or type B (equivalent to the old A++).

What documentation do I need to prove to be eligible for the discount?

The valid documents usually required are: Purchase invoice for the goods (pro forma or final) with technical details. Technical file of the goods identifying their sustainability. Complete project with identification of requirements, Project Report . Reports from energy service companies or certified by an Engineering company (e.g. on energy efficiency improvements). Other documents (e.g. evidence of registration in the Register of Green Operators). In Documentary credits (243), it is necessary to include a pro forma invoice and issue the documentary credit using the corresponding Swift. The documentation certifying the financing conditions can't be older than: Invoices and budgets: 6 months . Work project reports: 12 months . Certifications: they are valid .

Do I need to go to a branch to apply?

It's not necessary. You can take out the loan online through your Online Banking.

The NIR (Nominal Interest Rate) is paid to a bank in exchange for the money that it loans to customers. The NIR is usually less than the APR, and cannot be used to compare the prices of different loans, since it only includes the interest rate and not all the expenses associated with the transaction. The APR (Annual Percentage Rate) indicates the cost of a financial product, such as loans, including the interest and other associated expenses and fees. This figure lets you compare different loans since the lower the APR, the cheaper the loan.

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

Access financing without paperwork

Get your pre-approved loan through the app or website without having to go to a branch.
Designed to help your business move forward

Finance equipment, infrastructure, or modernization and efficiency plans.
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

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 energy efficiency 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

Get a more competitive interest rate for your loan

If you use your loan to purchase an electric or plug-in hybrid vehicle, install solar panels, or invest in other measures aimed at improving your business’s energy efficiency, such as purchasing equipment that helps reduce energy consumption, you can benefit from a reduced interest rate.

To access the reduced rate, you must prove, through the corresponding documentation, that the loan will be used for environmentally conscious improvements.

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.
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.

And if you have any questions, we'll answer them

If you have any questions, please contact us and our specialists will be happy to help you.

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.

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

Online Business Loan

Finance for promoting your business

The fastest way to boost your business

Access financing without paperwork

Designed to help your business move forward

Direct and immediate access to your account

Conditions and bonuses tailored to you

Direct, transparent financing with no surprises

This example will make it clearer

Get a more competitive interest rate for your loan

Not all businesses need the same loan