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These are the Best Lending/Financing Companies and Startups in Spain (2021)

This article showcases our top picks for the best Spain based Lending/Financing companies. These startups and companies are taking a variety of approaches to innovating the Lending/Financing industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top Spain Lending/Financing Companies

Data sourced from Crunchbase and SemRush.

Housers

Housers

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Housers is a Spanish crowdfunding and crowdlending platform that enables individuals to invest in real estate, green and corporate projects. With HQ at Madrid (Spain), Housers is also operating in Italy and Portugal markets..

FinanZero handles the lending process from start to finish. FinanZero has more than 50 lending partners connected to its platform.

The company was founded in 2015 and is based in São Paulo, Brazil.. .

Loans are made in partnership with Afirm’s originating bank partner Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Jeffrey Kaditz, Max Levchin, and Nathan Gettings established the San Francisco, California-based company in 2012..

Socilen

Socilen

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Socilen is collective funding platform that connects families or SMEs that need financing with investors willing to finance.

EthicHub

EthicHub

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EthicHub connect groups of smallholder farmers on a profitable activity, with lenders from all over the world and with direct buyers, creating value to all parties. By combining lending and product sale services we use the coffee as collateral for the loan and improve unit economics.

Now it is possible to serve smallholder farmers in a very profitable way. EthicHub creates value from mutual benefit: Lenders provide affordable loans to the smallholder farmers (only coffee producers in early stage) and direct buyers (coffee roasters in early stage) offer faire prices for the crops, enabling farmers to have the resources to payback the loans and to get free from the poverty and low productivity cycle..

A group that has a financial activity of more than U$154 billion / R$ 800 billion per year, and a huge unmet demand for microcredit. Click Cash offers, in a 5 minutes process, from 100 USD to 1.000 USD loans to be paid back in up to 12 months. Flexible and adapted to the new digital economy, we work with other Fintechs and traditional banks alike, using the most advanced technologies in Data Analytics and Mobile Security, i.e: facial recognition and device behavioral analytics, as well as financial history, that enables us to run a full credit analysis in seconds creating personalized offers per user.

The Click Cash App was officially launched in March 2020, and by August had +150K downloads and reached Top 5 in finance Apps in Brazil, with 4+ stars rating in Google Play Store and more than 9.5M USD / 50M BRL in received applications.. .

Ibancar

Ibancar

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Ibancar is a fintech company specialized in online lending to a largely unbanked client base, one that does not have access to conventional forms of credit. In a world where banks have low risk appetite and are increasingly bureaucratic our objective is to build a solid and sustainable business which steps up to offer credit to clients who are in need of urgent liquidity or are experiencing temporary financial difficulties.

We are a team of specialists who have worked for 4 years developing a loan product with zero credit losses, clear differentiating factors and competitive advantage. This has made Ibancar the fastest growing and most respected secured loan (car equity loans) platform in the sector.

We are responsible lenders with transparent rates, flexible payment plans and over 1.5m in issued loans to date.. .

Lendrock

Lendrock

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Lendrock is a lending marketplace that enables consumers to conveniently and quickly finance the purchase of products and services.

Microwd

Microwd

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Microwd is to connect people with savings who are looking for a good return, and also that money helps break the circle of poverty in Nicaragua . In this way, they will connect Spanish investors with borrowers in Nicaragua..

Nexoos team has grown to a robust team of 50 collaborators, acquired over 100k SMEs, 20k Retail investors, and underwritten over $USD1 Billion since launch. The marketplace has been growing at an incredibly 25% month on month and was selected by Goldman Sachs and Morgan Stanley top FinTechs report in Brazil.

Some of Nexoos nominations and Awards include; Top 5 Emerging Lending Platform Lendit 2018 – CMS Fintech Award – MIT Innovators under 35 – Endeavor Fintech Programme – UCL Bright Ideas Award – BBVA AI Finalist – eCommerce 2016 Award.. .

Grow.ly

Grow.ly

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Launched in 2014, Grow.ly is an online, P2P crowdlending platform that enables small investors to lend directly to SMEs, financing their growth projects and contributing to their development while getting better returns on their savings. Loans are provided by several investors who make different offers.

After the completion of the auction period and the amount requested being reached, bids from lowest to highest interest rates are selected. Grow.ly receives commissions from borrowers once they sign the loan, which can vary from 2% to 3.5% depending on the amount and period of the loan.

It also charges investors with a 0.85% annual servicing fee. It is based in Madrid, Spain..

To the farmers they capture the essence speeding up and simplifying the agribusiness credit processes, moreover given them an alternative to government bureaucratic credit.. .

Instant Credit

Instant Credit

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Instant Credit is the pan-European online credit origination platform focused on digital channels.

Excelend

Excelend

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Excelend is a crowdlending platform for borrowers and investors in search of a common benefit. The company’s objective is to democratize both financing and investment.

It responsible for analyzing credit proposals for financing of individuals between 3,000 and 15,000 euros and, around this evaluation, the most solvent applications are chosen to present them to future investors. Excelend was founded on 2014 and is headquartered in Madrid, Spain..

Enjoy downloading our app https://lnkd.in/e6kUzgW :). .

Reliquid

Reliquid

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Reliquid helps SAAS companies to improve their liquidity by embracing their recurring organic revenues.

Twinero

Twinero

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Twinero is your fast mini-loan company. Get up to 600 € uros in just 10 minutes without paperwork.

Arpem Network

Arpem Network

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arpem.com was born as a Web of information and analysis of insurance and motor, help to users, information of cars and motorcycles, prices and models.. Analisamos a necessidade e indicamos a melhor estratégia de captação de recursos ao menor custo e maior benefício para o acionista.

Representamos no Brasil diversos fundos de investimento, de participação (equity) e de dívida (debit), além de oferecer a menor taxa de juros de financiamento para empresas de capital aberto e investidores qualificados: 3,25% a.a. juros fixos, em reais, sem necessidade de amortização.

Entre em contato e conheça outras oportunidades como essa!!!. .

Prestamos Prima

Prestamos Prima

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During the first 3 years of operations in Spain, Prestamos Prima has become the market leader for consumer loans and registered three trademarks. The company offers a range of products, including short term and personal loans, vehicle-secured leasebacks, mortgage-secured loans, as well as loans secured by different kinds of professional licenses.

The rapid expansion is continuously supported by sophisticated IT, security and risk management improvements. In Prestamos Prima, They are continuously seeking and finding new ways to provide accessible financing for ever-increasing number of people in Spain and beyond.

Since launching their operations in Spain, they have invested a great amount of time and resources towards researching and understanding the market. They keep stakes in loans issued, ensuring payback discipline from the borrowers, and portfolio quality for the investors..

Financlick

Financlick

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Financlick’s mission is to obtain the financing that companies need to continue growing and generating value to the economy, in the most efficient and transparent way, that is, in the best economic conditions, and in the shortest time possible, and they achieved it thanks to the technology applied to the credit process. This is their objective, to take the company towards the best financing of the market in an environment of banking disintermediation like the current one, not the best financing for the entity, but the best financing for the company..

As more companies incorporate financial services into their existing product offerings, we look forward to enabling the huge market opportunity of next generation embedded banking services. Dinie was founded by two serial entrepreneurs, Suzy Ferreira and Andrea Burattini (at age 27 sold her first Fintech to Accenture in 2013).

Dinie has also Kris Lembke as Co-Founder & CTO (+10y in tech & payments) and Vinicius Cibim as Co-Founder & CFO (+10y in finance & fintech). Dinie counts on highly experienced angel investors like Rita Liu (Ex.

CEO Alipay Europe), Sergio Fogel (Co-Founder of dLocal), Benjamin Gleason & Thiago Alvarez (Founders of GuiaBolso), Markus Rinderer (Founder of PAY.ON), Alexander Muller (Founder of Kreditech) and Matthias Setzer (Global Payments Director at Facebook, and previously at Paypal & Naspers).. .

Einicia

Einicia

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Einicia The first large crowdfunding platform in Spain that will cover the four types of crowdfunding.

Solventis

Solventis

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Solventis is a financial firm that deals with investment banking, asset management, corporate finance and financial risk consulting.

Winvestify

Winvestify

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Winvestify is a technology solutions for professional investors that helps analyze, access and manage risk in the alternative lending sector .The alternative investment landscape is changing and modernizing. P2P Online Lending is steadily on the rise, assets are becoming more institutionalized, and investors are looking beyond their borders to find global opportunities.

Undeniably, the P2P Lending market has earned its place as an efficient financial asset. Yet despite the intensity of these trends, Alternative Financing continues to lag behind other industries in technology adoption and in particular in big data and analytics use.

Their goal is to evolve towards a focused and integrated business model which augments their data, analytics and software capabilities on a global basis while continuing to provide analytics solutions and expert services for P2P Lending Platforms and professional investors. At Winvestify they are providing transparency and insight into every aspect of the Online Lending market..

You may write to us at: Daily Finance Media/Fupping Ltd, First Floor, 61-63 Rochester Pl, London NW1 9JU.

Written by Tenner Smith

Tenner Smith - I have experience in financial intelligence and automated intelligence. In industry I have worked on artificial intelligence and machine learning. Tenner Smith is a reporter at DF media.

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