Are there any limits on the payment period?

Yes, each purpose has a maximum repayment period assigned. You can always see it before you make the drawdown.

How can I apply for Multi-Purpose Financing for Business?

You can apply at any BBVA branch. Once you're approved for Multi-Purpose Financing for Business, you only have to sign before a notary once . The notary's fee depends on the amount made available.

What if I need it for something that is not included in the eligible purposes?

If you need money for unforeseen events or to pay for expenses that are not listed as eligible, you can add a credit line. This is a supplement for which a part of the total limit is set aside. This supplement has its own conditions and costs (the usual ones for credit lines, such as periodic interest on drawdowns, and the availability cost for what you don't use).

Once granted, how does the renewal work?

The renewal is tacit; you will not have to go to the notary's office every year in the event of an extension. To set new conditions for financing payments or advancing collections, you won't need to go to the notary either, just to your branch. Documentation will have to be provided to keep the company's financial situation up to date. You will only have to visit the notary again to renew the credit line, if you have it as a supplement and you renew or modify its conditions.

Do I have to meet any conditions?

To apply for the Multi-Purpose Financing for Business, you have to be a BBVA Business Banking customer, billing more than 5 million euros, and have a checking account that we will associate with the limit, and use the funds for the pre-determined purposes when financing payments or advancing collections. Note that the financing is always subject to approval by the bank.

Online Multi-Purpose Financing for Business

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A single limit to cover multiple financing needs.

Once granted, you only pay for the amount you use
Lets you plan and do simulations.
You can use the limit for the most common purposes of a company.
You can also add a credit account for other purposes.

A simple way to finance

You won't have to deal with multiple financing products. You will manage a single financing limit that you can use for your business's most common needs.

You can draw down the full limit online or, if you prefer, at your BBVA branch. You just have to choose the purpose of the financing, amount and maturity date.

You only pay for what you use

If you have a limit of €500,000 and you use €120,000 to finance payments and advance collections, you only pay for the €120,000. The only additional costs would be those associated with the contract.

How much would you pay for that €120,000? It depends on the financial conditions you agreed with your branch. When you apply for the limit, you negotiate the financial conditions with your adviser. Once the financing limit is activated, you have full autonomy to draw it down in your online account, although we'll always be there to help if you need it.

In your account in seconds

As soon as you make an online drawdown, you will see the amount in your account. To simplify the process, we have listed the eligible purposes for the financing, which include the most typical uses:

Payroll and social security.

Taxes.

Payments to suppliers.

Imports.

Advance collection on exports.

Advance collection of national invoices.

Pre-financing of exports (financing for the manufacturing period for an export). This option is only available in branches.

How financing for business works

1. This is how to apply:

You meet with your adviser to negotiate the limit and the financial conditions.

Once BBVA authorizes the risk limit, it is signed in the notary's office.

The limit is activated and, once your online banking users are set up, you have access to it.

2. And this is how it is used online:

Access your Multi-Purpose Financing for Business, enter the purpose, amount and maturity date.

Simulate to find out what you will pay in that case.

You draw down and, if the bank approves the operation, the amount will be in your account in seconds, which you can then use to pay.

It improves your bargaining power

By knowing the costs of the different types of financing in advance, you can improve your trading position in your operations and optimize your margins: discounts for volume, early payment, etc.

Interested in this financing, but not yet a customer?

If you are not yet a customer and your company invoices more than 5 million a year, we offer the Empresas Premium Bienvenida Account.

I want to find out more

You can add a credit line

Multi-Purpose Financing for Business is designed to cover a business's most common needs. However, if you want more flexibility, you can add a credit line that you can use to make payments of any type.

Some questions that may come up

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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.

Multi-Purpose Financing for Business

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