Online Business Loan

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.

• 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++).

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.