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  • Credit Account

Thanks to Bankia financing you will be able to grow your company or business

We want to commit to SMEs and the self-employed like you and to offer you better choices for financing your business


  • To accompany you at each moment during the life of your business. We have the financing you need.
  • With specialists who will advise you on the financing that best suits your needs.
  • Quickly and easily with our pre-approved credit facilities.
  • So that you save on costs by benefiting from very competitive conditions.

Outstanding financing for your business

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    Business loan

    We offer to finance your long-term business investments with competitive and constantly updated interest rates.

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    Credit Account

    You can have the necessary amounts in a gradual manner: in this way, you pay interest on the required amount and according to the drawdown period.

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    Commercial Discount

    The fastest way of advancing to you the amount of SEPA debts, letters, promissory notes or other bills of exchange that your company holds towards third parties.

Discover the whole range of Bankia financing

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

  • The money you want immediately and at minimum cost.

  • A comprehensive accounts receivable management and financing service: Management of collection and advance of accounts receivable.

  • We offer suppliers the possibility to consult and collect advance payment of invoices.

  • A comprehensive service for the management of a company's domestic payments to its suppliers, substituting traditional payment methods and including financing options.

  • Possibility to consult and collect advance payment of invoices that have been communicated by your customers.

  • 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.

  • Unifies the financing of your company's working capital under a single contract, thereby reducing procedures and costs.

  • Financing of investments and working capital

  • We commit to the self-employed by offering the best financing for your business.

  • We are strengthening our relationships with SMEs thanks to specialised professionals.

  • Financing of investment in fixed assets or liquidity needs within Spain.

  • Financing of investments in productive fixed assets or liquidity needs inside and outside the country.

  • Financing of investments in fixed assets, liquidity products and needs outside the country.

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

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Bankia Solutions

Digital tools for SMEs, a place that is constantly developing to help you grow.

Cultivated land

At Bankia we know how to finance the land

We place all the available tools and experts at your service to advise you on our range of products designed for the farming sector.

  • 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 and invoice companies of recognised solvency with deferred payment periods.

  • What types of renting does Bankia offer?

    Bankia does not market this product directly.

  • What are COI, EIB or EIF facilities?

    The aim of COI, EIB and EIF facilities is to provide financing for business projects and working capital in Spain for SMEs and the self-employed that benefit from the support of the European Union as part of the SME initiative, through more favourable economic conditions with respect to alternative credit sources. This allows Bankia to pass on a financial advantage to its customers in the financing of their projects.