Creditoh.com is a fintech startup that offers a digital-based mortgage advisory service aimed at end customers (B2C) and real estate professionals (B2B) seeking financing for the purchase of a home. The company searches for the best mortgage offer in the sector according to the financial profile of each client through its automatic system, provides personalized advice and carries out the entire management of the transaction from the first contact to the signing at the notary’s office.
Creditoh.com transforms a traditionally slow process into a dynamic and professional one thanks to its know-how and the use of digital media as the basis for an operational management focused on the client.
The company was launched on June 6, 2017 in beta phase to make its official launch on October 1 of the same year. Its founder David Crespo, with more than 15 years in the financial sector specializing in the face-to-face mortgage market, launched Creditoh.com when he detected the need for a quality service to the end customer through digital media that would simplify management in a comprehensive manner.
The customer response has been incredibly positive, with more than 5,000 requests for feasibility studies since the launch.
Unnax exists to meet a growing demand in the market: the need for access to as-a-service financial technologies.
Today, more and more companies are jumping on the fintech bandwagon in search of ways to improve the quality of their services and evolve their business models. But building these new financial services requires banking technology and regulatory authorization. Unnax, as a Banking as a Service provider, enables companies to develop innovative financial services. And it does so on the basis of a modular technology infrastructure that covers dozens of use cases. From user validation, to the creation of bank accounts, payment management, or the analysis of financial data for scoring processes.
Unnax is the first Spanish fintech to hold a triple license from the Bank of Spain (AISP, PISP and Electronic Money Institution). This qualifies it to offer banking aggregation services; smart payments; bank accounts; and virtual wallets. As well as onboarding and fraud prevention services. This range of technologies, accessible through a single API, makes Unnax the ideal toolbox for building the financial services of the future.
The startup, which was founded by Julián Díaz-Santos Hernández and Jordi Pérez Roselló in 2016, has raised €9 million to date with investors such as Grupo Elektra, Swaanlab Venture Factory, Athos Capital, Prosegur and Bankinter, among others.
Unnax is present in Spain, Portugal, Italy, France and Mexico.
Advancing is the first immediate liquidity solution for owners of rental properties. It is a fintech specialized in advancing to the owners who have rented properties the 12 monthly payments that their tenant would have to pay him/her month by month. The advance is made in a single payment and in 24 hours in exchange for a 12% commission.
Advancing brings total peace of mind to the owner, allowing him/her access to alternative and flexible financing. It also protects them against partial and total non-payment since it includes a non-payment insurance. The startup is the only solution on the market that advances owners one year of their rent.
Any owner can benefit from this service, regardless of whether they have an apartment, an office, or commercial premises. The only requirement is that the rental contract with the tenant must be valid for at least 12 months.
Applying for it is quite easy. The owner only has to make the application, provide personal data and legal documentation. The platform verifies all the documentation with its insurance company and, once the operation is approved, makes the deposit in the owner’s account in less than 24 hours. And during the process the owner will receive all the advice he needs to solve any doubt.
Advancing was created through the venture builder Mutter Ventures. This is the first “pre-corporate” venture builder in Spain. Its mission is to build startups that reinvent or create services and products from scratch within mature sectors. All this through technological solutions focused on satisfying a need. Mutter Ventures is founded by Christian Rodríguez Fornós, Guillermo Antonio Gaspart Bueno, Carlos Galí Pardo and Alfonso Le Monnier Forga.
Bulldoc is an insurtech/legaltech company that offers the first legal protection insurance for contracts and invoices in the market. It applies the pay per use concept to the world of legal protection insurance. It covers the assistance and all the legal process for the claim of any breach between companies, professionals, and individuals, in areas such as buying and selling, services, real estate, among others.
Its protection insurance offers the client the peace of mind of knowing that, in the event of suffering any breach of their contracts or invoices, they have all the advice and management of the entire claim process by amicable or judicial means from lawyers. All without wasting your time or assuming any additional cost.
To protect a contract, you only need to upload it to our web platform and activate the protection in less than 1 minute. From that moment on the client is covered and protected in relation to that contract or invoice. If any situation of non-compliance appears, you will only have to report the incident and forget about it. The Bulldoc legal team and the network of lawyers will be responsible for claiming and defending your interests by the most appropriate means in each case.
Right now, they already offer the protection of multiple types of contracts that cover the needs of individuals. Some examples: purchase and sale of secondhand vehicles, renovations, real estate, and rentals; and professionals or companies: insuring contracts and invoices to customers and suppliers.
Bulldoc was born from the venture builder Mutter Ventures, the first “pre-corporate” venture builder in Spain. Its mission is to build startups that reinvent or create services and products from scratch within mature sectors. All this through technological solutions focused on satisfying a need. Mutter Ventures is founded by Christian Rodríguez Fornós, Guillermo Antonio Gaspart Bueno, Carlos Galí Pardo and Alfonso Le Monnier Forga.
Cobramus is a Spanish company dedicated to the management and claim of unpaid invoices. Its service is based on the assignment of collection rights on an unpaid invoice, through which it is in charge of initiating all legal and claim processes as the new “owner” of the debt. The way in which this assignment is compensated to the initial owner of the debt is by paying him 82% of everything that is recovered from the debt.
Cobramus was born from the venture builder Mutter Ventures. This is the first “pre-corporate” venture builder in Spain. Its mission is to build startups that reinvent or create services and products from scratch within mature sectors. All this through technological solutions focused on satisfying a need. Mutter Ventures is founded by Christian Rodríguez Fornós, Guillermo Antonio Gaspart Bueno, Carlos Galí Pardo and Alfonso Le Monnier Forga.
Indexa Capital is the leading independent investment manager in Spain, with more than €500 million managed from more than 26 thousand clients, growing by +110% in 2020. It offers its clients portfolio management services for indexed funds, indexed pension plans and EPSV (Basque pension plans) with global diversification and costs that are on average 80% lower than those of banks (and lower costs means higher profitability). Indexa also offers life insurance, in collaboration with Caser, with probably the cheapest premium on the market.
Indexa was also created in 2015 by Unai Ansejo, François Derbaix and Ramón Blanco. Currently, its activity is limited to Spain and it has closed three investment rounds with which it has obtained €2.6 million, which have been invested by Cabiedes & Partners, Viriditas, Fides Capital, All Iron, Pedro Luis Uriarte, Manuel Conthe and Luis M Viceira, among others, as well as by the 3 founders.
TheVentureCity’s mission is to support the best early-stage software businesses with capital and operational expertise. We do so by investing in fast-growing Seed & Series A software companies with the potential to generate $100M annual revenues in 7-8 years. We look for companies that are capital efficient and follow a product-led growth methodology . We target emerging tech hubs in the United States and Europe that have highly productive and specialized talent but do not have enough venture capital investment.
We are a group of international executives with experience in growing technology companies globally. We leverage our operational expertise and investment experience to help the best founders scale their businesses to extraordinary heights.
Our venture capital fund is part of a greater firm: TheVentureCity, which employs a team of operational experts (Engineers, Product Managers, Data Scientists, and Growth. See “2.0 Management Team”). This type of talent not only attracts the best entrepreneurs but also increases the probability of success for our portfolio companies. This lowers the risk of our investments and increases our ability to deliver greater returns.
Furthermore, TheVentureCity has invested in several startups such as: Nalej, Boatsetter, Returnly, Fastmind, Jobartis, Cabify, Finconecta, Fluvip, Hogaru, Enjoy HQ, Optimus Ride, Pixlee, SpotaHome, Glamping Hub, Playground, RecargaPay, Rocket, Levee, Bewe y, como acabas de publicar (gracias), SimpliRoute. At the same time, this vehicle has raised -until now-, Fund I of 50 millions of euro.
Billage it’s a platform that allows to organize the management of SMEs in a unified way, from customer management to billing and project task management. This is an all-in-one solution created to help small businesses and self-employed people run their businesses better. It was founded in 2013 by Antoni Guitart, Pau Buixeda and Francisco Philip. It is possible to carry out all the operations related to the business from a computer or a tablet with internet access.
Users can use Billage for free up to a limit of 60 invoices per year. Billage also supports the integration of external management systems.
In its full version, this web tool includes a CRM, an invoicing system, a document management system, a project manager and online alert and analysis services and collaboration with work teams. The startup operates mainly in Spain, where it has more than 20,000 users.
Billage has been in the Bbooster, Bstartup and Wayra acceleration programs, and has received help from Enisa, a public organization that helps business development. Bbooster, through SCR Sinensis Capital, is one of its most relevant investors. To date, they have launched two investment rounds worth €450,000. In addition, Billage has been recognized with the TOP 100 Red Herring Europe and Best Business Model Initiator awards. Furthermore, in December 2019 it was the winner of Banco Santander’s open innovation program “The Call”.
