BBVA España
With the BBVA app, you can do it all from your phone.
Open
Go to main content
Go to the Companies home page
  • People
  • Business
  • Become a customer
  • Access Access Access
  • Menu Close
Click enter
Suggestions

    Products

    Home
    • Accounts
    • Cash Management
    • Financing
    • POS terminal
    • Collected
    • Cards
    • Insurance
    • Endorsements
    • Foreign trade
    • Renting
    • Public Sector
    Branches and ATMs
    BBVA Newsroom
    • Español
    • Català
    • English
    • Galego
    • Euskara
    People Companies
    • Home
    • Accounts
    • Cash Management
    • Financing
    • POS terminal
    • Collected
    • Cards
    • Insurance
    • Endorsements
    • Foreign trade
    • Renting
    • Public Sector
    Click enter
    Suggestions

      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 One View

        All your business bank accounts in the same place with the aggregation service.

      BBVA Net Cash app

      Manage your business accounts at any time and anywhere with the BBVA app.
      More information
      Branches and ATMs BBVA Newsroom
      Access Access Access
      Become a customer
      • Español
      • Català
      • English
      • Galego
      • Euskara
      ADVERTISING
      MM/DD/YYYY

      International Factoring

      Advance and ensure collection on your international sales

      • Collect your invoices in advance.
      • Keep liquidity without depending on payment dates.
      • It covers up to 100% of the insolvency risk.
      Request information

      The bank as an intermediary

      • Get advances instantly
        When you open a factoring line, the bank grants you an amount that you will have available to get advances on the invoices you issue. This way, you can collect without waiting for the due date.
      • BBVA MANAGES YOUR INVOICES
        We will take care of collecting your invoices. First we advance the amount, and on the agreed due date, we charge your customer.

      Do business in complete security

      • Guaranteed payment
        Non-recourse factoring is the most common type of financing of this kind. Its main advantage is that it is the bank that assumes the insolvency risk. Your company lowers its risk because if your customer declares bankruptcy, you get paid just the same. 

      How does it work?

      • 1. APPLICATION AND STUDY
        You request a factoring line and the bank performs a study. With the "non-recourse" option, we also analyze the solvency of your customers and set a maximum amount you can collect in advance for each of them.
      • 2. signature and opening
        Once issued, the contract is signed before a notary. From then on, you will be able to collect invoices early as per the terms of the contract.
      • 3. Use
        One of your international customers is going to pay you an invoice in 90 days. To avoid this delay, use the Factoring line: the bank pays you the amount without waiting, and after 90 days, it will collect payment from your customer.

      The price is customized

      • An adviser will analyze your case

        Once we receive the company's details, we will offer you a personalized price. 

        In general, the main cost of factoring is the assignment fee, a percentage of the invoice you get paid in advance (it is charged to insure and manage the collection of the invoice).

      The bank's analysis will let you know the financial situation of your customers.

      A personal adviser at your side

      • Specialists to answer your questions

        Your personal international trade adviser will answer any questions you have about important aspects of your activity abroad.

        Find out more

      Are you interested?

      You can apply for the factoring service at any of our branches. From here you can send in a form to have us contact you.

      Request information

      Some questions that may come up

      Non-recourse factoring covers the risk of non-payment when bankruptcy or insolvency is declared due to an arrangement with creditors. However, it does not cover non-payment for other reasons, such as trade disputes.

      Yes, but in this case an interest rate will be applied to the financed amount that varies depending on the case.

      Be a company or self-employed worker and have an account with BBVA. Please note that financing is always subject to approval by the bank.

      Other products that might be of interest to you

      • Export advances

        A credit limit to get an advance on your invoices to international customers. The difference with factoring is that the bank does not cover the risk of insolvency.
        More information
      • Currency insurance and currency exchange

        If you operate with foreign currency, you can reduce the risk of varying exchange rates.
        More information
      • Click&Pay

        A credit limit that makes an amount available to you to pay taxes, salaries and other routine expenses.
        More information
      See more international business information

      Why BBVA?

      • We work to ensure that borders don't hinder your business.
      • We believe in a way of banking that focuses on people: bancaresponsable.com.
      International Factoring
      Request information
      Offer valid during current month
      1. Foreign trade
      2. BBVA International Factoring

      Footer

      • Other sections

        • Finances at a glance
        • Economic dictionary
          Experts in companies
          Responsible business
        • Security
        • Currency exchange
        • Other BBVA websites
      • Online services

        • Online banking for businesses (Net cash)
        • Apps
        • BBVA One view
          Financial aggregator for self-employed workers
          BBVA My Business
      • This may be of interest to you

        • Accounts
        • Cash management
          Financing
          POS terminal
          Collected
          Endorsements
          International trade
      • Need help?

        Companies with a turnover of less than €5 million: 91 298 35 96

        Companies with a turnover of over €5 million: 91 296 70 70

        BBVA Net Cash: +34 91 224 98 02

        Branches and ATMs
      BBVA logo
      Legal notice
      Cookies
      Personal data
      Statutory reports
      Payment services
      Fees
      Notice board
      Responsible business
      • Español
      • Català
      • English
      • Galego
      • Euskara

      Banco Bilbao Vizcaya Argentaria S.A.-2021

      Creating Opportunities