portada-creditoh

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

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 […]

Indra Kishinchand

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_equipo

Unnax exists to meet a growing demand in the market: the need for access to as-a-service financial technologies. The startup was founded in 2016

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 […]

Indra Kishinchand

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.

Bind 40-Partners

BIND 4.0 is an Open Innovation Platform led by the Basque Government and SPRI Group. It has the collaboration of 57 leading industrial companies based in the Basque Country and is aimed at startups from all over the world that apply disruptive technological solutions such as robotics, IoT, Big Data, additive manufacturing, or augmented reality to industrial, energy, health, and food chain organizations

BIND 4.0 is an Open Innovation Platform led by the Basque Government and SPRI Group. It has the collaboration of 57 leading industrial companies based in the Basque Country and is aimed at startups from all over the world that apply disruptive technological solutions such as robotics, IoT, Big Data, additive manufacturing, or augmented reality […]

Indra Kishinchand

BIND 4.0 is an Open Innovation Platform led by the Basque Government and SPRI Group. It has the collaboration of 57 leading industrial companies based in the Basque Country and is aimed at startups from all over the world that apply disruptive technological solutions such as robotics, IoT, Big Data, additive manufacturing, or augmented reality to industrial, energy, health, and food chain organizations.

BIND 4.0 is looking for the best technological projects from startups, with the aim of fulfilling a dual objective. On the one hand, helping large companies accelerate innovation and boosting and improving their competitiveness through collaboration with startups, as a source of agile and efficient innovation. And, on the other hand, for startups to accelerate their arrival on the market in the hands of large international benchmark companies with direct access to the Basque industrial ecosystem.

BENEFITS AND FEATURES OF THE PROGRAM

The acceleration program has an annual call in which participating startups will get at least one paid contract for the development of one or more pilot projects with BIND 4.0 partner companies. And that is not all, the selected startups also get the following:

  • Participate in networking activities with the driving companies and public agents to facilitate the immersion of startups in the industrial ecosystem.
  • They have a mentoring service provided by world-class professionals, as well as a complete training program for the development of the skills and abilities needed to succeed in the industrial field.
  • They have access to different sources of funding and economic aid, as well as free workspace in the BICs (Business and Innovation Centers) of the Basque Country.
  • They will present their projects to the Venture Club, an investors’ club, aligned with the specialization of the accelerator, whose aim is to reinforce support services and promote contact between participating start-ups and specialized investment entities.

5 YEARS, 130 PROJECTS

BIND 4.0 is now in its fifth edition and, since its creation, has accelerated more than 130 startups and promoted the development of more than 200 projects, with a turnover of more than €6.5 million. This public-private initiative of the Department of Economic Development, Sustainability and Environment, which is managed through the SPRI Group and its UpEuskadi platform of the Basque entrepreneurship ecosystem, has become a benchmark for open innovation and acceleration of Industry 4.0 worldwide.

The platform has been selected as the winner of the 14th edition of the European Business Promotion Awards, organized by the European Commission’s Directorate-General for the Internal Market, Industry, Entrepreneurship and SMEs, in the category of improving the business environment. And it was one of the platforms selected by the international consultancy firm Gartner to drive innovation in industrial ecosystems.

Help Flash

Help Flash is the leading product from the Spanish startup Netun Solutions. This invention has led to the creation of a new segment, the V16 light signals.

Help Flash is the leading product from the Spanish startup Netun Solutions. This invention has led to the creation of a new segment, the V16 light signals. Its acceptance and validation by both the market and institutions has been such that it has been the subject of a regulatory modification that has led to a change […]

Indra Kishinchand

Help Flash is the leading product from the Spanish startup Netun Solutions. This invention has led to the creation of a new segment, the V16 light signals. Its acceptance and validation by both the market and institutions has been such that it has been the subject of a regulatory modification that has led to a change in the way in which drivers must signal in the event of a breakdown or accident on the road.

This automatic magnetically activated light device is designed to save lives by replacing dangerous emergency triangles and making signaling safer, quicker, and more intuitive. Thanks to Help Flash, in the event of an incident on the road, the driver can make themselves visible without having to leave the passenger compartment of the vehicle or taking unnecessary risks.

The device, which has won several awards, is recommended by the competent authority, and is already installed in more than 1 million vehicles. Following the forthcoming reform of Spanish roadside assistance regulations, an exponential increase in sales is expected.

The next step is an ambitious international expansion plan starting with EU countries and the UK.

JME Ventures is an early-stage investment fund based in Madrid. Its investments focus on early-stage (pre-seed to series A) Spanish companies, or companies founded by Spaniards, that are tech-focused and have outstanding traction.

JME Ventures is an early-stage investment fund based in Madrid. Its investments focus on early-stage (pre-seed to series A) Spanish companies, or companies founded by Spaniards, that are tech-focused and have outstanding traction. Javier Alarcó (CEO) and José Manuel Entrecanales are the founding partners of the venture capital fund. The fund specializes in the technology […]

Indra Kishinchand

JME Ventures is an early-stage investment fund based in Madrid. Its investments focus on early-stage (pre-seed to series A) Spanish companies, or companies founded by Spaniards, that are tech-focused and have outstanding traction. Javier Alarcó (CEO) and José Manuel Entrecanales are the founding partners of the venture capital fund.

The fund specializes in the technology sector, targeting both B2B and B2C with stakes of between €500,000 and €4 million, acquiring between 10% and 20% of the company’s capital. It aims to invest in around eight companies per year with the potential to turn them into an exit within five to seven years. To this end, it seeks a combination of team, product/business model and market that will enable them to achieve the above goal.

JME Ventures carries out a detailed research and analysis process prior to investing in companies. One of their key points is that they try to make fast decisions to make the financing process as painless as possible. It currently manages three funds with a total of more than €110 million. The fund has invested in 30 startups with great projection and growth in the Spanish ecosystem. Some examples are Flywire, Lingokids, Genially, Odilo, Emjoy, Ironhack, Worldsensing and Jobandtalent. They have also made seven exits: the sale of Saluspot to Telefónica, of Dexma to one of the company’s partners, of Flywire to the Singapore sovereign wealth fund in summer 2018, the sale of Jetlore to Paypal, the sale of Reply.ai to Kustomer, etc.

Kuorum

Kuorum is a tech company that provides solutions for electronic voting and digital identity. Its technology allows all types of organizations to launch an online voting platform in less than a minute. Its clients organize shareholders meetings, assemblies, elections and other kinds of secure and legally valid processes.

Kuorum is a tech company that provides solutions for electronic voting and digital identity. Its technology allows all types of organizations to launch an online voting platform in less than a minute. Its clients organize shareholders meetings, assemblies, elections and other kinds of secure and legally valid processes. Kuorum-based e-voting platforms are customizable in logo, […]

Indra Kishinchand

Kuorum is a tech company that provides solutions for electronic voting and digital identity. Its technology allows all types of organizations to launch an online voting platform in less than a minute. Its clients organize shareholders meetings, assemblies, elections and other kinds of secure and legally valid processes.

Kuorum-based e-voting platforms are customizable in logo, colors, image and domain. They have a powerful contact manager that allows you to manage different voting rights, email blasts for poll calls, and user profiles for individuals and legal entities.

Kuorum complies with the European Regulation of Electronic Identification (REU 910/2014) and with the National Security Scheme. Its technology is the result of more than five years of research and development in the field of security and usability.

The company was founded in Madrid in 2013 and since then it has worked with public and private clients in seven countries and two continents. In 2016, its digital platform was awarded Best Technology of the Year by the Washington Academy of Political Arts and Sciences in the United States. In 2020 the United Nations Global Compact awarded its contribution to Sustainable Development Goal (SDG) 16 – Peace, Justice and Strong Institutions.

PitagorinesGroup

Guillermo Contreras and Jesús Mora, two computer engineers born in Madrid in 1984, founded PitagorinesGroup in 2017

Guillermo Contreras and Jesús Mora, two computer engineers born in Madrid in 1984, founded PitagorinesGroup in 2017. And they did so after a long career in the IT sector and technological consultancy with experience in Santander or Telefónica, among others. With an entrepreneurial mind and a technological heart, their vision is to be the benchmark […]

Indra Kishinchand

Guillermo Contreras and Jesús Mora, two computer engineers born in Madrid in 1984, founded PitagorinesGroup in 2017. And they did so after a long career in the IT sector and technological consultancy with experience in Santander or Telefónica, among others.

With an entrepreneurial mind and a technological heart, their vision is to be the benchmark Digital Engineering Studio in the development of digital solutions. Thus, they bring technological talent and quality software closer to the greatest number of people and companies. With talent and knowledge, their mission is to build the digital DNA of companies and their clients through scalable and cutting-edge technology.

Its main areas of expertise are the design and development of mobile applications, websites, and all types of full-stack development. They have a multidisciplinary team of engineers and technicians capable of building end-to-end digital solutions from ideation and development to market launch, maintenance, and operation.

CLIENTS AND LANGUAGE

Its business is developed at a global level with work in Spain, Dubai, USA, and Germany, among others. The projects it has carried out for Thyssenkrupp, KPMG, Pernod Ricard, Airbus, Inspiralia, Global Exchange, the Sicomoro Foundation and the Royal Academy of Sciences are some examples of his work.

They have extensive experience in languages and technology such as React Native, .Net, Java, Android, Swift for iOS, Angular JS, React JS, Node JS, PHP, HTML 5, WordPress, Drupal, Shopify, Prestashop, MySQL, Mongo DB, etc. As well as a strong focus on innovation. That is why they invest resources in new technologies such as Blockchain, being part of the Blockchain Ecosystem Consortium of Alastria.

Recognized for their work they have received prestigious awards during this time. An example is the application of the year for Apple with the Wonowo app or the URJC Alumni Award for their professional career. They have also received the European Horizon 2020 quality seal. In this way they have obtained funding for their innovation projects. They are also partners and sponsors of the Royal Academy of Sciences.

factorialHR

Factorial is a human resources software developed to digitize companies by integrating human management processes such as time control, clocking in, holiday and absence management, payroll incidents, search process, recruitment and induction of personnel, cost control and internal communication, among others.

Factorial is a human resources software developed to digitize companies by integrating human management processes such as time control, clocking in, holiday and absence management, payroll incidents, search process, recruitment and induction of personnel, cost control and internal communication, among others.

Indra Kishinchand

Factorial is a human resources software developed to digitize companies by integrating human management processes such as time control, clocking in, holiday and absence management, payroll incidents, search process, recruitment and induction of personnel, cost control and internal communication, among others.

Factorial HR is a cloud-based software available for computers and iOS and Android mobile devices, which is constantly being updated in order to provide workers and managers with an optimal, intuitive and secure user experience.

Currently more than 60 thousand renowned companies trust Factorial to carry out their human resources management, being present in countries such as Spain, France, Italy, Germany, United Kingdom, Portugal, United States, Mexico and Brazil.

The company, founded by Jordi Romero, Pau Ramón and Bernat Farrero, connects human resources management with benefits for employees with flexible remuneration, while gathering key information for measuring performance, aimed at contributing to dynamic decision-making. Its target audience is human resources managers, company managers and consultants who need to manage all types of teams.

The software offers great advantages for HR managers, since from the employee portal section, it is possible to upload, manage and share documents such as contracts, payrolls, personal identification and even medical leave receipts, all of which can be legalized through the use of electronic signatures.

The company has a team of more than 100 expert professionals working in Barcelona, with the aim of revolutionizing the role of human resources managers within companies.

At the beginning of 2020, Factorial achieved the highest investment round in Spain with €15 million. The operation was led by CRV, a Silicon Valley investor in Twitter, Dropbox and Zendesk. The company has managed to multiply its turnover eight-fold and grow internationally by offering even more functionalities.

Business Factory Aero

Business Factory Aero (BFAero) is an accelerator that promotes innovative projects applicable to the aeronautical sector, drones and unmanned vehicles

Business Factory Aero (BFAero) is an accelerator that promotes innovative projects applicable to the aeronautical sector, drones and unmanned vehicles and is part of the Civil UAVs Initiative (CUI) of the Xunta de Galicia.

Indra Kishinchand

Business Factory Aero (BFAero) is an accelerator that promotes innovative projects applicable to the aeronautical sector, drones and unmanned vehicles and is part of the Civil UAVs Initiative (CUI) of the Xunta de Galicia. In barely two years, the BFAero has launched three calls for proposals to which almost two hundred applications have been submitted from all over Spain and abroad, with a significant participation of Galician initiatives. These figures reinforce the important role of its program for retaining and attracting talent from the aerospace sector in Galicia, which has already managed to become a reference in the sector.

The startups and projects that form part of the BFAero receive a complete plan for the development and launch of their product or service in the local, national, and international market. The startups are provided expert tutoring and mentoring, access to the facilities and equipment of the CUI and the CIAR at the Rozas airfield, their own office and spaces for coworking and receiving complete training in all aspects that affect their business idea. The projects also include technological advice and access to potential international clients. They have UAVs from the tractor companies Indra and Babcock free of charge, and they also have subsidized flight hours, with the option of obtaining pilot certification.

BFAero is the accelerator in the drone sector with the greatest economic support per project in Europe. Each startup has up to €50,000 of non-refundable funding per project from the Xunta. In addition, it is eligible for financial support in the form of loans from INDRA of between €50,000 and €500,000 in incubation and with no limit on acceleration, convertible loans, and technology in exchange for capital. In addition, in the acceleration phase they have access to participating loans of up to €250,000 from the Xunta de Galicia through XesGalicia.

BFAero welcomes the companies in its facilities of the CEL Iniciativas por Lugo Foundation and it is a team project: the members of the Xunta, which include Agencia Gallega de Innovación (GAIN), Igape and XesGalicia, are joined by relevant collaborators to guarantee the success of the initiative: Market leading companies in the sector such as Indra or Babcock, the Galician Automotive Technology Center (CTAG), small and medium sized companies which are important for their knowledge or technologies, entities such as the Galician Aeronautical Consortium and knowledge generators such as the three Galician universities.

Advancing

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

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 […]

Indra Kishinchand

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.