Products and services

Business · Credit

Business and Corporate Loan

  • Nominal rate from10.5%
  • APR11.8%
  • Maximum term96 months (8 years)
  • Rate typeFixed or variable rate
Request information See price list

Financial conditions

Fixed rate Used in the simulator
10.75%Nominal rate
APR
11.8%
Maximum term
96 months (8 years)
Default interest
2%

Representative example: APR of 11.8%, based on a nominal rate of 10.75%, for a loan of CVE 5,000,000.00 over 96 months (8 years).

Variable rate
Index + 5.25%
Minimum rate (floor)
10.5%
Maximum term
96 months (8 years)
Default interest
2%
Spread from 5.25%.

Indicative conditions. The conditions of your loan depend on the assessment of your application. Check the Price List and the Standardised Information Sheet in force.

Features

Amounts

  • To be negotiated with the customer

Rate

Fixed

  • Nominal Annual Rate (TAN): 10.75% | Annual Percentage Rate (APR): 11.8%
  • The APR is calculated based on a TAN of 10.75% for Business and Corporate Loans with a CVE of 5,000,000.00
  • Term: 96 months; Late payment interest: 2%;

Variable

  • Index: Liquidity supply rate + spread starting at 5.25%, with a floor of 10.5%;
  • Term: 8 years; Late payment interest: 2%;

Term

  • Up to 96 months

Collateral

  • Blank promissory note, signed and guaranteed by the principal partners/shareholders
  • Pledge of savings or commercial accounts
  • Mortgage

How to proceed

From information to decision, with support.

  1. 01Understand the conditions

    Read the product information and check the price list in force.

  2. 02Prepare the documents

    Gather your identification details and the applicable supporting documents.

  3. 03Talk to BAICV

    Ask for information or visit a branch to complete the process.

Frequently asked questions

Before you proceed

Use the request information button or visit a BAICV branch.

The final conditions depend on the solution, the customer profile and, where applicable, the commercial or credit assessment.

Check the price list in force and the specific product documentation before making a decision or signing the contract.

Simulate in seconds

What would your monthly payment be?

Adjust the amount, the term and the rate and see the monthly payment right away. The rate starts at this product's rate and can be changed to try other scenarios. No sign-up, no commitment.

All simulators
0 CVE
60 months
10.75 %
Product fixed rate: 10.75% nominal. You can change it to try another scenario.
My monthly payment — Sum of instalments (principal and interest): — Not in this sum: fees, stamp duty, insurance and other charges. The full cost is the APR in the standard information sheet.
Assumptions of this simulation
  • Constant instalment (principal and interest), paid every month
  • The chosen rate stays the same for the whole term
  • No grace period or deferral
  • Amounts rounded to the escudo.

Product conditions updated on 25/09/2026

Request a personal offer

Simulation using the rate shown above, which you can change. The sum of instalments covers principal and interest and does NOT include fees, insurance, taxes or other charges. It is not an offer: the conditions of your loan depend on the assessment of your application and on the current Price List, which prevails over any simulation.