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

        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.

      Accounts for self-employed workers and companies

      New bank, zero fees on the usual services. Whether you are self-employed, a SME or a company, a new bank has many advantages.

      No fees for the first 12 months for new registrations of self-employed workers or companies with a turnover of more than 5 million euros.

      More information
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      ADVERTISING
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      Online Negocios Loan

      Get the financing you need in just one day

      Available directly in your account.
      • Up to €50,000 if you are self-employed or if your company invoices less than €5 million a year.
      • From 14 months to 7 years.
      • Fixed and personalized interest rate.
      Apply

      Without going to the branch

      • 3 minutes to apply

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

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

        The amount requested, in 24 hours

        If you satisfy the conditions and everything is correct, we will deposit the amount into your account 24 hours after signing.

      This example will make it clear

      • Suppose you have a company and you want to request €25,000 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, 6.69% APR.
        • Monthly payment: €766.23.
        • Commitment fee: €0.
        • Total amount: €27,584.10.

      What are the requirements?

      • If you are self-employed:

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

        If you own a company:

        • You must have been a customer with a BBVA account for at least 1 year.
        • In addition, your company must be at least 3 years old and not bill more than 5 million euros a year.

      Apply for Online Negocios Loan

      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 €3,000 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
      • Negocios Credit Card

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

        Add and quickly manage your company's accounts from just one location 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 Negocios Loan
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