Can I finance the purchase of a VTC licence?

It is possible, but not in the same way as a mortgage: banks do not treat a VTC licence as a convenient form of security — it is a regulated intangible asset, not a flat — so the financing is put together by combining different elements. The four main options on the market:

• Traditional bank loan, either a personal loan or one taken out in your company’s name. The bank focuses less on the licence and more on you: creditworthiness, your own contribution and — increasingly — the asset’s ability to generate income. Here, the income certificate works in your favour: a 12–18-month record verified against platform and bank statements turns ‘it’s very profitable’ into a document that a risk analyst can understand.
• Vehicle leasing. Separating the car financing (leasing with a fixed monthly payment) reduces the capital required for the licence itself. This is the [turnkey] scheme(/llave-en-mano).
• Deferred payment with the seller (vendor finance): part of the price paid in instalments, backed by sound guarantees. This works when there is verified trust and proper documentation — never on the basis of a handshake; the specific structure is designed with legal advice as part of the transaction.
• Corporate structure with partners: capital from an investor who does not carry out the day-to-day operations, as opposed to someone who does. The profit-sharing agreement is signed on the first day, not when profits materialise.

Prudent guidelines for the account: budget for a significant personal contribution — full financing is not a realistic scenario in this market — and don’t forget the 5–10 per cent buffer on the price for taxes and closing costs (details). And above all: the instalments are paid from the business’s operating profits, so work out your figures — realistic turnover for your town, costs, rent or profit margin — using the profitability simulator before committing to anything.

A procedural note: buying with finance doesn’t change the transfer process — verification, documentation, escrow — but it does require coordinating the bank’s disbursement with the signing. In the [escrow arrangement] (/como-funciona), the money — wherever it comes from — is deposited before signing: the seller cannot distinguish between your personal mortgage and your savings, and that’s how it should be.