Financing and guarantees

Financing and guarantees
  • Multiproducto Global Facility

    • - Credit account
    • - Commercial portfolio
    • - Comercio Exterior facility
    • - Guarantees facility

Bankia financing will help you grow your company

We are committed to the Multiproducto Global Facility as the best financing deal for your company


  • Signature an only contract for your working capital operations.
  • We adapt the Multiproducto Global Facility to your needs.
  • Economic terms and conditions in a private contract.
  • Avoids to have idle limits of available.

Discover the whole range of Bankia financing

  • Finance the internationalisation process and the exporting activity of companies with a registered office in Spain.

  • Tell us your short-term financing needs. We can help you.

  • View and pay the invoices your customers have sent.

  • Integrated service for management and financing of your accounts payable.

  • Management of collection and payment of credit the company grants to third parties and that have previously been granted to Bankia.

  • The fastest way to obtain advance payment of SEPA charges, letters, promissory notes or other bills of exchange.

  • This finances the invoices derived from a company's regular activities, at the nationwide level.

  • Financing of investments and working capital

  • Provides financing for business projects and working capital in Spain for SMEs and the self-employed.

  • Business project financing in Spain and EU for companies and self-employed workers of the agro-food sector.

  • Financing aimed at companies and self-employed workers that carry out productive investments in the country and/or need to cover their liquidity needs.

  • Financing facility intended to support the internationalisation of companies.

  • Financing intended for the self-employed and companies, which have a Reciprocal Guarantee Company (RGC) or SAECA (Sociedad Anómina Estatal de Caución Agraria) guarantee.

  • Share your long-term financing projects with us.

  • The assets you need for your business without having to make initial outlays of funds, in exchange for the deposit of a regular income and with the possibility of acquiring the asset.

  • We have a significant presence in the European and American markets.

  • Custom-made financial solution through the financing of projects, assets and acquisitions.

  • Bankia provides a broad range of guarantees:

  • It is designed for groups of individuals who, when carrying out their business activities, repeatedly request the concession of guarantees from financial institutions against third parties.

Our online services designed for your company

  • Oficina Internet Empresas

    Make your enquiries and bank transactions simply and with total security.

  • Charge and Payment Management

    Improve the management of your company's payments and receipts thanks to this tool.

  • File Sending

    Through the Oficina Internet you can process different types of files, providing you have previously contracted the corresponding service.

  • What is the factoring service?

    It is an integral service of management and financing of accounts receivable: Payment management and commercial loan advances that the company holds against third parties (debtors/drawees) and have previously ceded to Bankia.

    Aimed at companies that meet the following criteria: they work recurrently with your clients, invoice companies of recognised solvency and offer extended payment terms.

  • What is a syndicated loan?

    A loan granted to large and medium-sized companies by two or more financial institutions with the same terms between them and under a single financing contract.

    In this way, it is possible to finance operations while sharing the risk between several financial institutions.

  • What are the different types of factoring?

    The two most common types of factoring are:

    • Standard: The most common type. The risk of debtor insolvency is assumed by Bankia from the granting of the loans until their maturity or, where applicable, that of the negotiated extensions (maximum 30 days).
    • With recourse: Bankia does not assume the insolvency risk of the debtor.