Best Alternative Lending Companies in Spain
The 88 best Alternative Lending companies in Spain in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: SeQura.
- Switzerland Alternative Lending Market Databook 2025-2029
Ranked: Best Alternative Lending companies in Spain
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | SeQura Online platform providing purchase financing solutions for customers | $436M | 19 mo ago | 270 | 2013 | David Backstrom Founder & CEO | Webflow EcommerceWebflowBootstrap+29 | 1 partnership |
| 2 | Finalbion Online platform for business loans | $125M | 52 mo ago | 50 | 2015 | Marcos Flores Founder & CEO | — | — |
| 3 | Pagantis Online platform for point of sale financing | $90M | 87 mo ago | 129 | 2011 | — | — | — |
| 4 | Gedesco Provider of business loans | $71M | 132 mo ago | 159 | 2001 | Javier Escriva CEO | — | — |
| 5 | Fintonic App-based platform for personal financial management and personal loans | $55M | 36 mo ago | 92 | 2012 | — | Amazon WebstoreAnimate.cssAmazon Web Services+26 | — |
| 6 | ID Finance Online marketplace for consumer and business loans | $39M | 28 mo ago | 417 | 2012 | — | styled-componentsReactGatsby+13 | 3 job openings · 2 awards |
| 7 | Boopos Provider of SaaS-based platform for revenue-based financing | $38M | 25 mo ago | 40 | 2020 | Javier Nunez Co-Founder | — | — |
| 8 | Payflow Online financial services platform for on-demand pay and savings | $20M | 8 mo ago | 60 | 2020 | Avinash Sukhwani Co-Founder | WebflowReactstyled-components+17 | 1 award |
| 9 | Twinco Capital Provider of supply chain finance solutions including purchase order funding | $19M | 31 mo ago | 37 | 2016 | Sandra Nolasco Chief Executive Officer | — | — |
| 10 | Lendrock Online platform for availing auto loans | $18M | 97 mo ago | 15 | 2015 | Ventura Pobre Co-Founder & CEO | DatoCMSNode.jsPHP+20 | — |
| 11 | Ritmo Online revenue-based financing platform for e-commerce businesses | $16M | 50 mo ago | 50 | 2020 | Raimundo Burguera Co-Founder & Board Member | — | — |
| 12 | Nemuru Online marketplave for purchase financing | $4M | 64 mo ago | 23 | 2016 | Enric Gilabert Co-Founder | Node.jsRadix UITailwind CSS+19 | — |
| 13 | HelpMyCash Aggregator for financial products | $4M | 211 mo ago | 17 | 2008 | Laurent Amar Founder and C.E.O. | SentryTailwind CSSVue.js+13 | — |
| 14 | Comunitae Lending marketplace for individuals and business. | $3M | 203 mo ago | — | 2008 | Arturo Cervera Founder | PHPBootstrapAMP+6 | — |
| 15 | Kintai Provider of working capital solutions and revenue-based financing for businesses | $3M | 40 mo ago | 20 | 2021 | Ernest Sanchez Co-Founder & Chairman of the Board | WordPress Block EditorElementorWordPress+22 | 1 job opening |
| 16 | NoviCap Cloud-based solution for business loans | $3M | 42 mo ago | 51 51 → 97 (+90%) | 2014 | Marc Macia Co-Founder | WordPressApple iCloud MailMySQL+31 | — |
| 17 | Zazume SaaS-driven end-to-end rental management software | $3M | 13 mo ago | 14 | 2020 | Jeroen Merchiers Co-Founder & CEO | SentryZendeskNode.js+21 | — |
| 18 | Loanbook Online crowdlending marketplace for SME financing | $2M | 102 mo ago | 11 | 2013 | — | — | — |
| 19 | Fence Provider of automated debt management platform for asset-based lending | $2M | 1 mo ago | — | 2023 | Gonzalo Bandeira Co-Founder | Framer SitesApple iCloud MailYouTube+9 | — |
| 20 | Prestalo Loan matching platform | $2M | 67 mo ago | 25 | 2016 | — | WebflowBootstrapTikTok Pixel+23 | — |
| 21 | Devengo App-based platform for payday loans | $1M | 7 mo ago | 22 | 2004 | Alberto Molpeceres Co-Founder | WordPressApple iCloud MailGoogle Workspace+36 | 1 partnership |
| 22 | Colibid Mortgage bidding platform | $972K | 21 mo ago | 19 | 2021 | Alexander Almengor Co-Founder | WordPressMySQLPHP+18 | — |
| 23 | Silk Cashback Provider of a cashback application connecting consumers with local businesses | $851K | 22 mo ago | — | 2023 | Alfonso Chaparro Co-Founder | Cart FunctionalityWooCommerceWordPress+21 | — |
| 24 | Microwd Provides of P2P marketplace for business loans | $846K | 34 mo ago | 30 | 2015 | — | PleskNode.jsFacebook Login+19 | — |
| 25 | Helloteca Comparison portal for mortgage loans | $793K | 78 mo ago | — | 2018 | Juan Caturini Co-Founder & Director | WordPressPleskMySQL+28 | — |
| 26 | Finanzarel Alternate financing for trade credits | $791K | 136 mo ago | 7 | 2013 | Paulino De Evan Co-Founder | WordPressMySQLPHP+18 | — |
| 27 | iAhorro Comparison platform of financial products | $720K | 180 mo ago | 27 | 2009 | Marcel Beyer CEO | Apple iCloud MailMicrosoft 365Node.js+22 | — |
| 28 | Typs Online platform for payroll loans | $680K | 84 mo ago | 18 | 2000 | Ernesto Bernado Co-Founder & CPO & CMO | — | — |
| 29 | ZankSpain Online P2P lending platform. | $521K | 110 mo ago | 20 | 2013 | — | PHPBootstrapNginx+11 | — |
| 30 | Ecrowd Invest P2B lending platform | $497K | 44 mo ago | 8 | 2014 | — | PHPFacebook LoginGoogle Maps+34 | — |
| 31 | Ibercheck Tool to democratize access to financial information | $195K | 158 mo ago | — | 2010 | Fernando Cabello-Astolfi Co-Founder & CEO | WordPressMySQLPHP+19 | — |
| 32 | Fundeen Provider of crowdfunding platform for renewable energy projects | $168K | 81 mo ago | 14 | 2017 | Nacho Bautista Founder & CEO | Node.jsHeadless UITailwind CSS+24 | — |
| 33 | Captalis Consumer financial products comparison platform | $150K | 197 mo ago | — | 2008 | Rodrigo Parisi Co-Founder | — | — |
| 34 | Quotanda Lending as a service platform for student loans. | $150K | 99 mo ago | 13 | 2013 | Lino Pujol-Soliano Regueiro Co-founder & COO | WordPressMySQLPHP+30 | — |
Top 12 Alternative Lending companies in Spain
#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 D · Barcelona, Catalonia · founded 2013 · 270 employees$435.6Mraised▾
Online platform providing purchase financing solutions for customers. It provides a pay later option to customers and to change their payment into monthly instalments. The product catalog ranges from fashion, electronics, kids items, beauty, sports and more.
- Nov 2024Series D$435.6M
- Nov 2024Conventional Debt—
- Sep 2022Conventional Debt—
#3
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
#4
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
#5
Seed · Barcelona, Catalonia · founded 2020 · 14 employees$2.9Mraised▾
SaaS-driven end-to-end rental management software. Solutions are for real estate companies, owners & tenants. The product catalog includes commercialization flows and streamlined property management operations for property owners. Allows resident to finance the deposit & to pay rent. Offers features include tenant scoring, contract signing, visit management, and more.
- Apr 2025Seed$2.6M
- Apr 2025Conventional Debt—
- Nov 2021Seed$2.9M
#6
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
#7
Series B · Barcelona, Catalonia · founded 2012 · 417 employees$39.1Mraised▾
Online marketplace for consumer and business loans. It utilizes machine learning based credit scoring and risk management systems to provide financial services to the underbanked. Its products include Plazo for providing long-term loans for entrepreneurs, small and medium-sized businesses, consumers, and Moneyman that provides short-term loans for individuals.
- Feb 2024Conventional Debt$150M
- Nov 2023Conventional Debt$13.1M
- Mar 2023Series B$32.2M
- Nov 2021Series A$1.2M
#8
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
#9
Series B · Alcobendas, Community of Madrid · founded 2016 · 37 employees$18.5Mraised▾
Provider of supply chain finance solutions including purchase order funding. The company offers funding to suppliers from purchase order to final invoice payment. This model reduces risk and financing costs, building competitive and socially responsible supply chains. The company funds a percentage of the purchase order value upfront and the remaining upon delivery. It provides suppliers with liquidity when needed, offering an agile solution adapted to commercial processes.
- Oct 2023Conventional Debt$52.7M
- Jan 2023Venture Debt—
- Jan 2023Series B$12M
- Feb 2021Series B$3.7M
#10
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
#11
Seed · Valencia, Valencian Community · founded 2021 · 19 employees$971.8Kraised▾
It is a mortgage bidding system that enables borrowers to access the best mortgage loans from different banks. It also enables existing borrowers to find and compare with other mortgage loans.
- Sep 2024Seed$445K
- May 2022Seed$526.8K
#12
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
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.