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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      Agropréstamo

      The loan you need for your investments

      For your agricultural and livestock activities.

       

      • Adjust each payment to your business income.
      • Up to 10 years.
      • Compatible with other official subsidies.
      • New: If you direct deposit your CAP into a BBVA account this year, we will waive your loan's commitment fee.
      Apply

      Do you want it?

      • Applying for the Agropréstamo is very simple, you just need to follow the following steps:

        • Request a minimum of €600.
        • Choose the term you need for your investment:
          - Medium and long term for agricultural or livestock assets.
          - Short term for campaign loans and subsidy advances. Excluding CAP advances, which have their own CAP Anticipo Agropréstamo product.

      This example will make it clear

      • Example for a fixed-rate, 36-month, €10,000 loan (French system):

        • Fixed NIR: 5.1%
        • Fixed APR: 5.93%
        • Commitment fee (1%): €100
        • With no study fee or other expenses
        • Monthly payment: €300.16
        • Total amount: €10,805.70

         

        Example for a fixed-rate, 36-month, €10,000 loan with no commitment fee</span>:

        • Fixed NIR: 5.1%
        • Fixed APR: 5.22%
        • No commitment fee
        • With no study fee or other expenses
        • Monthly payment: €300.16
        • Total amount: €10,805.70

         

      What are the main costs involved?

        • Commitment fee: we will apply it to the loan amount only once, but if you direct deposit your CAP subsidy into a BBVA account in 2022, we will waive this fee for the financing operation.
        • Study Fee: applied to the loan amount only once,
        • Partial or total early repayment fee: we apply it whenever you make a partial repayment or when you repay the entire outstanding amount in advance. Applied to the amount paid.

        Both the interest rate and the fees depend on various factors. Ask your adviser for a simulation.

      What conditions do you have to meet?

      • To obtain the Agropréstamo, you must meet the following conditions:

        • Dedicate yourself to agriculture, stockbreeding or forestry.
        • Having an account at BBVA.

      Apply for Agropréstamo

      Apply

      Would you like more information?

      Excluded are transactions established as such in the contract, partial drawdowns and interest in advance.

      Both the interest rate and the fees depend on various factors. Ask your adviser to calculate a quote for you according to your personal situation.

      When you take out the loan, you can establish higher monthly payments for the months in which you have larger income and lower monthly payments during low income months.

      You can choose between a fixed, mixed or variable interest rate. If you choose a fixed-rate loan, the monthly payment and the interest rate applied will not vary for the entire term of the loan. If you choose the variable-rate loan, the monthly payment will depend on the reference rate (usually Euribor) plus the fixed differential applied to the loan. For example, Euribor + 1.5%. If you prefer a mixed interest rate, a fixed interest rate will be applied during the initial period of the loan, and a variable interest rate will be applied during the remaining term.

      You can choose a period during which to pay only interest. In this case, with the bank's approval, you will be able to request up to a 36-month grace period.

      The NIR (Nominal Interest Rate) is what you pay the bank to lend you money. 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 a loan, including both the interest and different expenses and fees involved. This figure lets you compare different loans since the lower the APR, the cheaper the loan.
      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

      You might also be interested in

      • Linked Agro Credit Account

        Get liquidity for your farming business, up to 150 thousand euros. Combine the advantages of a credit account and a credit limit.
        More information
      • Agrocoop Business Card

        • Monthly credit of up to €6,000.
        • Extensive insurance coverage.
        • Only for farmers and agricultural and livestock cooperatives.
        More information Apply
      See more financing

      Be a BBVA customer.

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

      Add your banks to the BBVA app

      • I have a company
      • I am a self-employed worker

      Discover the BBVA Company Aggregator

      Add and manage all your business bank accounts in one place.

      Manage all your accounts, make better decisions, and save time for your business.
      More information

      Your other banks

      Add your other banks to the BBVA app.

      View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service.
      More information
      Agropréstamo
      Apply
      Offer valid during current month
      1. Financing
      2. Agropréstamos: loans for farmers
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