Your short-term financing products in a single policy

Multiproducto Empresas by Banco Santander facilitates the arranging and access to a range of products under a global brand.

Combine all of your financing products through a single agreement before a notary public: Commercial Discounting, Cobro Ágil, Advances on Receivables, Factoring, Reverse Factoring, Pago Ágil, Foreign Trade, Loans, and Guarantees and Loans for Tax Payments, where the individual contracts do not need to be signed before a notary public.

What is Companies Multi-product?

With Companies Multi-product you get:

  • A global limit enabling you to manage all your short-term financing needs together.
  • Flexible arrangement and use of the products when you need them.
  • Less admin in your dealings with the Bank, saving you time.
  • A single risk study for your short-term financing products.

The multiproduct policy only has notary costs and is indefinite, the study and/or arrangement fees of the individual contracts for each product will be settled at the time of formalisation.

Companies Multi-product Structure

This product has an overall limit for all your short-term financing products, which you can manage in combination:

Companies Multi-product advantages

  • Simplify the management of your day-to-day activity with the Bank.
  • Certainty –you know your total limit for your transactions and cash flow from the outset.
  • Just one signature before a notary public, saving you time and money.
  • Access to your overall position through your online banking and the Companies app.
  • Financing solutions for your short-term needs, both domestic and international.

How to arrange it

If you want to arrange Multiproducto Empresas, go to your nearest Santander branch.

Shall we discuss it?

If you would like more information, visit any of our branch offices.


Companies Multiproduct


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