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      Online POS Terminal Loan

      El préstamo que devuelves con la facturación de tu TPV

      Consigue liquidez para las necesidades diarias de tu negocio. Al momento, sin papeleos y con la ventaja de devolverlo en función de tus ventas con tu TPV BBVA.

      Financiación fácil que impulsa tu negocio

      • Devuélvelo a tu ritmo

        Paga tu préstamo poco a poco con el 20% de los cobros diarios que hagas con tu TPV BBVA. Si un día no vendes, no pagas.

      • Recíbelo al momento

        Solicita hasta 50.000€ y recíbelo al momento en tu cuenta, sin justificar el destino ni aportar documentación adicional.

      • 100% digital y sin complicaciones

        Desde tu banca online o app, sin papeleos, sin intereses y con una comisión de apertura personalizada.

      El préstamo que se adapta a tu negocio

      • Así funciona nuestro préstamo:

        • Disponible solo para autónomos o empresas con TPV BBVA contratado.
        • Comisión de apertura personalizada por cada préstamo solicitado.
        • Solicita desde 300€ hasta 50.000€.
        • Recíbelo en tu cuenta al momento de solicitarlo.
        • Devuélvelo con el 20% de las ventas diarias que hagas con tu TPV BBVA.
        • Tienes hasta 150 días para devolverlo.
        • Si el último día falta algo por devolver, se realiza el cargo en cuenta, sin intereses ni penalizaciones.

      This example will make it clear

      Víctor tiene una cafetería y necesita renovar su maquinaria para seguir creciendo. Para comprar dicho equipamiento, solicita 20.000€ con el Préstamo TPV Online y los recibe al momento.

      Durante los próximos días el 20% de lo que factura con su TPV BBVA se destina automáticamente a devolver ese dinero. Los días que facturó 4.000€, devolvió 800€, y los que facturó 400€, devolvió 80€. Los días que facturó 0€, devolvió 0€.

      Al final, Víctor devolvió el dinero en 123 días, no necesitó llegar al plazo máximo de 150 días.

      • Loan amount: €20,000.
      • Comisión apertura personalizada: 1,60% (320€).
      • Repayment period: 150 días / Plazo final: 123 días.
      • Devolución: automática con el 20% de los cobros por TPV BBVA.
      • Interest rate: TIN 0% | TAE 3,87%.

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

      20% of what you invoice with your BBVA POS terminals is automatically used to repay the loan. If you invoice €0 on a given day because you don't open, the automatic payment will not be made.

      También puedes hacer amortizaciones voluntarias aparte de ese 20%, si tú quieres.

      Si transcurridos 150 días no hubieras amortizado el total con el 20% de tus ventas diarias con tu TPV de BBVA, se te cargaría en la cuenta asociada al préstamo lo que faltara, sin intereses ni penalizaciones.

      If there are insufficient funds in the account, the corresponding costs, if any, may apply. 

      You need to be a BBVA customer with access to Online Banking and use the POS terminal to invoice with BBVA.

      Remember that you can sign up for your POS Terminal + POS Plan free of charge for the first 12 months if you are a new self-employed customer or a company with a turnover of no more than 5 million euros.

      Keep in mind that each application must be approved by BBVA.

      Using the simulator, you can calculate the amount you need as well as obtain the commitment fee that will be applied, which will be based on your turnover with the POS terminal. The resulting commitment fee will be the only fee you'll have to pay. No additional costs, cancellation fees or interest.

      Representative example: Assuming a €20,000 draw with a customized initial commitment fee of 1.60% (€320), and assuming that the merchant has not processed any daily sales with their POS terminal for 150 days (the maximum term), the loan will be repaid in full at maturity for the total amount of €20,000. The Annual Percentage Rate (APR) of the transaction will be (3.87% APR); (NIR 0%). Calculated based on the effective loan amount and the terms of the contract, in accordance with Bank of Spain Circular 5/2012 of June 27.

      No. You have to finish paying one before applying for another.

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

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