Best Alternative Lending Companies in Madrid, Spain
The 45 best Alternative Lending companies in Madrid, Spain in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Finalbion.
Ranked: Best Alternative Lending companies in Madrid
| # | Company | Disclosed funding | Last round | Stage | Founder | Founded | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Finalbion Online platform for business loans | $125M | 54 mo ago | Funding Raised | Marcos Flores Founder & CEO | 2015 | — | — |
| 2 | Pagantis Online platform for point of sale financing | $90M | 89 mo ago | Acquired | — | 2011 | — | — |
| 3 | Fintonic App-based platform for personal financial management and personal loans | $55M | 38 mo ago | Series C | — | 2012 | Amazon WebstoreAnimate.cssAmazon Web Services+26 | — |
| 4 | Boopos Provider of SaaS-based platform for revenue-based financing | $38M | 27 mo ago | Acquired | Javier Nunez Co-Founder | 2020 | — | — |
| 5 | Payflow Online financial services platform for on-demand pay and savings | $20M | 10 mo ago | Acquired | Avinash Sukhwani Co-Founder | 2020 | WebflowReactstyled-components+17 | 1 award |
| 6 | Lendrock Online platform for availing auto loans | $18M | 99 mo ago | Acquired | Ventura Pobre Co-Founder & CEO | 2015 | DatoCMSNode.jsPHP+20 | — |
| 7 | Ritmo Online revenue-based financing platform for e-commerce businesses | $16M | 52 mo ago | Deadpooled | Raimundo Burguera Co-Founder & Board Member | 2020 | — | — |
| 8 | Comunitae Lending marketplace for individuals and business. | $3M | 205 mo ago | Deadpooled | Arturo Cervera Founder | 2008 | PHPBootstrapAMP+6 | — |
| 9 | Fence Provider of automated debt management platform for asset-based lending | $2M | 3 mo ago | Series A | Gonzalo Bandeira Co-Founder | 2023 | Framer SitesApple iCloud MailYouTube+9 | — |
| 10 | Devengo App-based platform for payday loans | $1M | 9 mo ago | Seed | Alberto Molpeceres Co-Founder | 2004 | WordPressApple iCloud MailGoogle Workspace+36 | 1 partnership |
| 11 | Silk Cashback Provider of a cashback application connecting consumers with local businesses | $851K | 24 mo ago | Seed | Alfonso Chaparro Co-Founder | 2023 | Cart FunctionalityWooCommerceWordPress+21 | — |
| 12 | Microwd Provides of P2P marketplace for business loans | $846K | 36 mo ago | Seed | — | 2015 | PleskNode.jsFacebook Login+19 | — |
| 13 | Helloteca Comparison portal for mortgage loans | $793K | 80 mo ago | Acquired | Juan Caturini Co-Founder & Director | 2018 | WordPressPleskMySQL+28 | — |
| 14 | iAhorro Comparison platform of financial products | $720K | 182 mo ago | Seed | Marcel Beyer CEO | 2009 | Apple iCloud MailMicrosoft 365Node.js+22 | — |
| 15 | Ibercheck Tool to democratize access to financial information | $195K | 160 mo ago | Seed | Fernando Cabello-Astolfi Co-Founder & CEO | 2010 | WordPressMySQLPHP+19 | — |
| 16 | Captalis Consumer financial products comparison platform | $150K | 199 mo ago | Deadpooled | Rodrigo Parisi Co-Founder | 2008 | — | — |
Top 12 Alternative Lending companies in Madrid
#1
Acquired · Madrid, Community of Madrid · founded 2020 · 60 employees$20Mraised▾
Online financial services platform for on-demand pay and savings. The platform provides online loans for earned-wage loans. It allows users to request loans in advance through its platform and access part of their earned wages directly into the bank account. The loan repayments are deducted from the users' salary accounts. Its app is available for both Android and IOS devices.
- Oct 2025Conventional Debt$34.8M
- Oct 2025Series B$2.3M
- May 2025Series B$18.9M
- Jul 2024Series B$6.5M
#2
Series A · Madrid, Community of Madrid · founded 2023$2Mraised▾
Provider of automated debt management platform for asset-based lending. It automates verification, calculation, and payment processes in warehouse and borrowing base facilities and securitizations. The platform offers real-time visibility and execution, streamlining the entire debt lifecycle from origination to reporting. This solution benefits borrowers by reducing costs and optimizing financing, while debt investors gain real-time control and reduced operational expenses. The platform is designed for various asset types, including complex, granular, short-term portfolios.
- Apr 2026Series A$20M
- Nov 2023Seed$2M
#3
Seed · Madrid, Community of Madrid · founded 2004 · 22 employees$1.2Mraised▾
App-based platform for payday loans. It offers a solution that enables employers to provide salaries on demand to the workers. It provides an NFC-enabled prepaid card that enables employees to avail the earned money. It also offers tools for managing expenses, saving goals, and more. The application is available on Android and iOS platforms.
- Nov 2025Conventional Debt—
- Nov 2025Seed$2.3M
- Nov 2022Seed$1.2M
#4
Acquired · Madrid, Community of Madrid · founded 2020 · 40 employees$38Mraised▾
Provider of SaaS-based platform for revenue-based financing. It provides users with a direct lender enabling e-commerce and SaaS businesses to obtain financing based on the annual revenue. Businesses can use the funds for acquisitions and developments. Users must add the business details and apply for the loan. Once verified and approved, the funds are disbursed to the registered bank account.
- May 2024Convertible Debt—
- Sep 2022Series A$8M
- Sep 2022Conventional Debt$50M
- Feb 2022Seed$30M
#5
Series C · Madrid, Community of Madrid · founded 2012 · 92 employees$54.8Mraised▾
Fintonic provides an app-based personal financial management tool and personal loans. It provides the loan by evaluating it from various lenders. Users can apply for loans via the platform. It allows users to track expenses from multiple financial accounts. Expenses are organized automatically by categories. The app provides an automatic monthly forecast of future expenses. Offers FinScore, a credit score service, which is obtained from the information of the user's accounts added in Fintonic. The app is available on iOS and Android devices.
- Jun 2023Series C$5.4M
- Jun 2023Conventional Debt$14.6M
- Apr 2019Series C$21.4M
- Jun 2017Series B$28M
#6
Funding Raised · Madrid, Community of Madrid · founded 2015 · 50 employees$124.5Mraised▾
Online platform for business loans. It offers multiple loan products including working capital loans, invoice factoring, reverse factoring, and more with customized terms, amounts, and repayment options. Users must add the required details and apply for the loan. Once approved, the funds are transferred to the registered bank account.
- Feb 2022Conventional Debt$124.5M
#7
Acquired · Madrid, Community of Madrid · founded 2011 · 129 employees$90.1Mraised▾
Online platform for point of sale financing. It provides automated consumer finance for e-commerce transactions. It allows consumers to pay for goods and services in monthly installments. Users can choose the platform as a payment method and select the number of installments. The platform enables e-commerce merchants to offer consumer credit in conjunction with e-commerce purchases.
- Mar 2019Series B$73M
- Mar 2019Conventional Debt—
- 2014Series A$17.1M
#8
Deadpooled · Madrid, Community of Madrid · founded 2020 · 50 employees$16.3Mraised▾
Online revenue-based financing platform for e-commerce businesses. It offers financing to digital companies that generate sales, in exchange for a small share of the income until the full advance capital is repaid. It also provides investment for the digital marketing campaigns, through a revenue share agreement.
- Apr 2022Conventional Debt$200.5M
- Jul 2021Seed$16.3M
#9
Seed · Madrid, Community of Madrid · founded 2023$851.1Kraised▾
Provider of a cashback application connecting consumers with local businesses. The application allows users to earn points on purchases made at participating businesses. Points can be redeemed for rewards at local shops. The application aims to foster local commerce through a reward system.
- Aug 2024Seed$851.1K
#10
Acquired · Madrid, Community of Madrid · founded 2015 · 15 employees$17.8Mraised▾
Lendrock is an online platform for availing auto loans. Offers loans of up to € 6,000 for a maximum repayment period of 36 months. Borrowers have to complete an online application form stating the amount required along with their details. The consumer's credit capacity is then determined using algorithms that are based on information points obtained from multiple proprietary and external databases. The customer is then informed of the eligible loan amount and rate of interest. Once accepted, they are offered various car models available within the price range. Also ties up with car dealers to offer financing to their customers.
- May 2018Conventional Debt$17.8M
#11
Seed · Madrid, Community of Madrid · founded 2015 · 30 employees$845.9Kraised▾
Provides of P2P marketplace for business loans. It allows users to borrow and lend in groups for women entrepreneur-led businesses. Users must add the required details along with the amount and apply for the loan. Once the requested fund is obtained, the amount is transferred to the registered bank account.
- Jul 2023Seed$845.9K
#12
Deadpooled · Madrid, Community of Madrid · founded 2008$3.4Mraised▾
Comunitae is a Spanish P2P lending platform. Investors can participate in the financing of working capital for businesses and consumer operations with individuals. Individuals can participate in each of these operations with contributions from a minimum of €50 and a maximum of €5,000.
- Jul 2009Series A$3.4M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding flat · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.