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    Online Credit Account

    Liquidity to keep your business going

    A credit limit that will allow you to finance all your regular business expenses, cover your working capital requirements, manage your inventories, and make supplier payments.

    • Between €3,000 and €50,000 a year to use whenever you want.
    • With a 12-month term.
    • With a fixed and personalized interest rate for as long as it is in force.

    Do you need a loan of over €50,000?

    If you need more than the amount offered online, you can apply for the Negocios Credit Account at our branches.
    Apply

    More than just a credit

    • Online application

      Apply for financing quickly and easily, with a simple and immediate process that can be renewed annually.

    • Without justifying expenses

      You do not need to document what it is being use for by providing an invoice or similar, and it does not need to be signed before a notary.

    • Other procedures

      You can transfer money, pay bills through direct debit, or make payments using a POS terminal.

    Apply for an Online Negocios Credit Account and forget about paperwork

    1. Entra en la app o en tu área privada web en financiación y elige Cuenta de Crédito Online.

    2. Specify the amount you need to have available and simulate the fees you would have each quarter.

    3. Fill out the application form and sign it digitally to submit your application.

    If everything is correct, you will be able to start using your account within 24 hours.

    Apply

    This example will make it clear

    Imagine you have an architectural firm and you have an uneven stream of income.

    Entre los gastos habituales de tu negocio y la previsión de cualquier imprevisto decides que el importe que necesitas tener disponible son 8.000 €.

    As it is an account that provides a credit limit and allows you to perform the same operations as your regular account, such as making transfers, card payments, and charging by POS terminal.

    Enter your private area of the website or app and calculate the fees and interest you would have every quarter. 

    Complete the application with your digital signature and if everything is correct, you will receive the money within 48 hours. 

    What about expenses and interest?

    • Every three months you will receive the charge corresponding to the settlement of expenses in your credit account. These are the usual expenses for in any credit account: 

      1. Interest on drawdowns. It is fixed and is applied to the amount you have drawn each quarter.
      2. Availability fee. It is applied to the amount you have not drawn each quarter. 

    Are you interested?

    You can contract it 100% online.

    Apply

    Are you looking for another kind of financing for your business?

    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

    Would you prefer a different type of financing?

    • A credit line for your business's usual payments with no activation cost.
      • Finance payments to suppliers, taxes, payroll, social security or the collection on your bills.
      • You only pay an availability fee for the money you use from your limit, which varies depending on the term or purpose for which you use it.
      • No early repayment penalty.

       

       

    • This is a long-term loan that lets you get financing for your business investments, such as vehicles, machinery and more. 
      • Up to €50,000 for self-employed individuals and SMEs. 
      • Available in your account after signing. 
      • Fixed and personalized interest rate.
      • We will arrange to pay your suppliers on the exact date. 
      • If you do not have liquidity, you can finance the repayment in installments. 
      • Your suppliers will be able to request payment in advance.
    See more financing

    We help you manage your business's day-to-day

    • Monitor your other banks

      Add and monitor your accounts at other banks without leaving the BBVA app.

    • Manage your sales

      If you have a business, manage your sales, remittances, and POS terminal quickly and easily with My Business.

    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.
    Online Credit Account
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