A loan1 vale to meet working capital or cash shortfall needs
Available to businesses, retailers and self-employed professionals that need a working capital facility, funding to fill a cash shortfall or finance to meet other specific liquidity needs.
A discounted loan is a loan designed for your business, where we reward your loyalty to us with a discount of up to 1.5%.
How do I access a lower interest rate?
As of the first quarter, you will be eligible to receive a discount of 1.5% on the cost of the loan with any of the following products:
- INSURANCE
Your premiums for the last 12 months must have exceeded €1000 in order to receive the 0.5% discount.
- ARRANGED PRODUCTS
Get 0.5% discount with the following products (subject to requirements):
- A leased motor vehicle or technological equipment1 with a monthly payment of over €175, or more than one leased motor vehicles or items of technological equipment where the total monthly payments exceed €175 per month.
- Movistar Prosegur alarm2.
- International business products, subject to the amounts agreed on the date on which the credit was arranged and verification that the conditions are met.
- COLLECTIONS AND PAYMENTS: POS OR FINANCE
Get 0.5% discount with any of the following products:
- Active POS billing for at least €9000 in the last 12 months.
- A business loan1 (Agile Collection, Agile Payment or Loan Advances) with a minimum limit of €3000, which you must have arranged at least 90 days prior to the date on which your fulfilment of these conditions is verified.
- Carry out foreign currency transactions worth an equivalent of €10,000 in the 12 months prior to arranging the loan and the verification of the fulfilment of these conditions.
How do I arrange a business or self-employed loan?
Visit your local branch for more information or to arrange a discounted business loan.
1. Finance subject to prior approval by the Bank.
2. Renting offered by Banco Santander for the first year. Afer the first year, the agreement with Santander Renting comes to an end and is extended with Movistar Prosegur Alarmas, S.L., subject to approval by the Bank. Visit bancosantander.es/en for the terms and conditions