DAY-TO-DAY

FINANCING AND GUARANTEES

COLLECTIONS AND PAYMENTS

INTERNATIONAL BUSINESS

A specialised range for franchises

If you are thinking of starting a new business and believe that the franchise model is the one that best suits you, we welcome you to Santander Franquicias.

Franchises, like all businesses, need solutions that help make everyday life easier. For this reason, at Santander Franquicias we offer you the best products and services:

Santander One Companies

A new way of banking that adapts to you and your company to help you overcome challenges as unique as you. We are committed to rewarding your trust and loyalty by customising our services.

Commission-free account by fulfilling the conditions

Pay €0 per month (1.49% APR)1 with your Santander One Empresas account by fulfilling the following conditions

  • Transfer your collections and payments.
  • Sign up for a POS, financing, protection or savings product.

In the event that only one of these conditions is fulfilled, the monthly commission will be €15 (4.41% APR)2. In the event that none of these conditions are met, the monthly commission will be €30 (8.64% APR)3. View the details of all the Santander One Empresas conditions here.

And enjoy all these benefits:

  • Free issue and maintenance of Santander One Empresas debit and credit cards.
  • Free transfers in euros from our online or mobile bank and cash machines, except urgent transfers.
  • Free negotiation of domestic cheques in euros.
  • Free issue and maintenance of Santander One Empresas debit and credit cards.
  • Money Plan account aggregator where you can see all your account's transactions and cards of other entities easily in one app.
  • With access to solutions for digitalising your business and improving your One Digital sales.
  • With the option to customise your services thanks to the Santander One Empresas Plans.
  • Assistance creating your website and online shop to improve your business' online presence thanks to the agreement with Telefónica Empresas.


Discover Santander Franquicias

We can help you boost the progress of your business from day one, with a team of specialised franchise managers who will be at your side at all times.

Shall we discuss it?

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

Financing solutions for franchises

To make your franchise a reality, we can offer you a wide range of financing solutions that adapt to your needs and those of your business. We can provide them to you!

Tax Payment Loan1:designed to finance the taxes deriving from the business activities. The tax payment loan can only be arranged in the months of January, April, July and October. Quarterly VAT payment

  • Person income tax payment on account
  • Corporation Tax payment on account
  • Business Personal Income Tax withholdings.

Short-term line of credit1: with a loan interest payment discounted based on the fulfilment of acquired transactional commitments (salary payments, social security, taxes, trade discount, POS, foreign trade).

EIB Energy Efficiency Loan2: a new line of financing, with preferential interest rates, to support projects that improve the energy efficiency of Spanish companies.

ICO loan2: A line of financing you can use to boost your business by investing in both new projects and improvements, inside and outside Spain. Up to €12.5 million per customer and up to 100% of the investment project.

EIB loan2: a line of financing with flexible terms to acquire productive assets, or intangible assets, as well as planning costs.

Furniture Leasing1: used to lease any type of movable property (everything that can be moved, such as computer equipment or office furniture) for a certain time and have the option of buying it when the term ends.

You will also have Guarantee options1 for the fulfilment of the commitments and obligations arranged with your customers or suppliers. We will take care of guaranteeing it in the case of non-compliance!


Discover Santander Franquicias

We can help you boost the progress of your business from day one, with a team of specialised franchise managers who will be at your side at all times.

Shall we discuss it?

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

Collection and payment tools for your franchise

Having a fast and convenient tool for charging your customers is one of the keys to the success of your franchise. For this reason, we offer you our Santander POS range1, with support 365 days a year:

Flat Rate POS:2 the easiest and cheapest way to accept card payments. The fee you pay each month automatically adapts to your monthly turnover, so you can focus solely on growing your business. What’s more, the first POS terminal is free3.

The Flat Rate POS is available for all our POS terminal, both physical and ECommerce POS terminals, to help you sell more and better, and is also available for the online world:

  • No fixed fee per transaction.
  • No inactivity fees.
  • Rates adapted to your business.

Integrated POS for large businesses: one of our unique solutions, aimed mainly at large businesses, that will allow you to improve your commercial activity and customer service. The inclusion of alternative payment methods, mobility or new sales flows for your business are just some of the projects that we have successfully carried out.

Also, if you want to have peace of mind concerning the payment of the invoices in your franchise, we can help you with Santander Franquicias Factoring4: an alternative where you transfer the invoices you issue to us and we advance the payment. This way you can forget about controlling the money you need to run your franchise and always maintain the pace of your business

You can also use Confirming4 for the early payment of your invoices, a service to manage your payments so you can benefit from the advanced payment of invoices:

  • You cover your business against the worrisome non-payments.
  • You always have money available, improving your liquidity.
  • You guarantee the collection of your invoices.
  • You can use your sales to finance yourself.
  • It does not appear on your CIRBE nor does it consume your risk limit, since the advance payment has no recourse.


Discover Santander Franquicias

We can help you boost the progress of your business from day one, with a team of specialised franchise managers who will be at your side at all times.

Shall we discuss it?

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

Support to internationalise your franchise

If you believe that your franchise can go even further, at Santander Franquicias we offer you all of Santander’s international experience to help you with everything you need.

International Desk, the perfect solution for the internationalisation of your business. With the support you need from a bank and the help of our specialised team, achieving your goals and establishing yourself in any of the 16 countries where the Bank is present is much easier.

  • Personalised and multilingual local attention with access to the complete range of financial products at Banco Santander.
  • Outstanding coordination of our managers in each subsidiary.
  • Access to our international contact network.

Furthermore, as Banco Santander is a founding member of the IBOS Association, we can help you in those countries where we do not have our own bank, so you will be able to open accounts without having to travel.

More than 2,000 correspondent banks worldwide to help you in your international growth.

To find out more about the conditions of the International Desk check with your nearest branch.


Discover Santander Franquicias

We can help you boost the progress of your business from day one, with a team of specialised franchise managers who will be at your side at all times.

Shall we discuss it?

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

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