entrepreneur loan. Special conditions for entrepreneurs, regardless of whether it is a company for self-employment or an international orientation. You finance up to 100% of the investment with a term of up to five years, at fixed interest rates and reduced commissions and with the option of a grace period of 12 months.
BStartup. The bank has more than 60 branches across Spain specialized as BStartup offices to serve start-ups with different development and financing models. These offices have a differentiated risk analysis.
credit protection. Aimed at finance companies and the self-employed, it combines a personal loan and protection in a single contract, protecting you from rate hikes and letting you benefit from rate decreases. Includes a fixed price for the first year. With each annual review, you can benefit from lower rates if they fall below a certain level. The minimum loan amount is EUR 50,000 and the term is two to five years.
SME Loans. Financing to finance the acquisition or adaptation of land for industrial, commercial or agricultural purposes; the acquisition, construction and transformation of warehouses or premises, investments in equipment and facilities…. It is long-term financing with competitive interest rates (which are individually negotiated) and updated.
business loan. Designed to finance both assets and working capital. Repayment conditions, interest rates, amounts and guarantees are negotiated on a case-by-case basis.
entrepreneur loan. For professionals and companies who are starting a business or activity for the first time and have started it in the last 24 months. No opening, formalization or study commissions. Fixed rate of 9.50%. Maximum amount: up to 40,000 euros. Maximum term: seven years. Requires personal guarantees, covenants, collateral, financial assets.
SME Loans. For entrepreneurs, companies, small, medium and large companies with high solvency and public bodies that need to finance investments in fixed assets: vehicles, real estate, machinery, computer equipment, etc.
Maximum term: five years. With a personal guarantee. Opening commission (on the amount): between 1.25% and 2%, at least 90.15 euros. Information and study commission (on the amount): between 0.25% and 0.50%, at least 60 euros.
agri-food loan. Intended for farmers, ranchers, their groups and food and service companies in the agricultural sector with a minimum affiliation of one year.
Fixed rate. Opening commission (on the loan amount): 1%, at least 15.03 euros. Information and study commission (on the amount): between 0.25% and 0.50%, at least 60 euros. Quarterly billing. Maximum amount: 100% campaign expenses or grants for area and animal premiums for the current campaign, maximum 30,050.61 euros. Maximum duration in the case of a campaign up to 12 months. With advance payment up to 18 months. personal guarantee.
First corporate loan. To finance viable projects of young people with an entrepreneurial spirit. They grant up to 80% of the application with a maximum of 18,000 euros and a maximum term of five years. The interest rate and difference are personalized and depend on both the applicant’s history and the products associated with the account (including insurance, cards and retirement plans).
Through MicroBank, dedicated exclusively to channeling microcredit activities, it offers financing to entrepreneurs and the self-employed with an annual income of less than 60,000 euros, as well as to micro-enterprises with fewer than 10 employees and an annual turnover of less than 500,000 euros. Your maximum amount is 25,000 euros.
With a limit of up to 30,000 euros with no interest for the first six months, no commissions and a grace period of one year. The program is called “+ for employment”. Also in cooperation with the Galician guarantee companies Afigal and Sogarpo, it offers microcredits of up to 25,000 euros for investment projects.
This financial institution has lines of between 9,000 and 36,000 euros aimed at the self-employed and SMEs who have a profitable small business project, and finance actions for groups such as kiosks or taxi drivers.