BBVA

BBVA Business Banking for Modern Funding

BBVA serves businesses across the Americas and Europe. Your BBVA business accounts contain transaction data that demonstrates your financial health. Founderpath connects to this data to provide funding based on actual cash flow.

Transaction Data Replaces Paperwork

Your BBVA transactions contain the information lenders need:

What Transactions Show:

• Revenue collection patterns
• Expense management
• Cash position over time
• Growth trajectory

What BBVA Data Analysis Reveals

When you connect BBVA business accounts:

Revenue Patterns

• Deposit frequency and amounts
• Customer payment consistency
• Revenue growth trajectory
• Collection timing

Expense Analysis

• Recurring obligations
• Variable expenses
• Vendor payments
• Payroll timing

Cash Position

• Average daily balances
• Minimum balance trends
• Cash reserves
• Working capital

Business Health

• Net cash flow direction
• Seasonal variations
• Financial stability
• Growth signals

BBVA Account Types We Support

Business Checking Full transaction analysis for cash flow assessment.

Business Savings Include savings to show reserves and financial cushion.

Money Market Liquid reserves with transaction history.

How BBVA Integration Works

Step 1: Select BBVA or PNC

Click "Connect Bank" and select BBVA or PNC if accounts migrated.

Step 2: Secure Login

Authenticate through Plaid. Credentials go directly to the bank.

Step 3: Authorize Access

Confirm read-only transaction access.

Step 4: Automatic Analysis

Cash flow metrics calculated within minutes.

Step 5: Receive Offer

Most offers arrive within 24-48 hours.

BBVA + Other Data Sources

BBVA + Revenue Systems

• Stripe or Shopify for revenue
• BBVA for deposits
• Together: verified collections

BBVA + Accounting

• QuickBooks for P&L
• BBVA for cash flow
• Together: complete picture

Security and Privacy

Plaid Security

• 256-bit AES encryption
• SOC 2 Type II certified
• Secure credential handling

Read-Only Access

Cannot initiate transactions or modify accounts.

Metrics That Matter

Deposit Consistency Regular deposits indicate reliable revenue.

Cash Runway Months of expenses covered.

Expense Discipline Controlled costs relative to revenue.

Balance Maintenance Healthy balances show discipline.