What MytripleA does

MytripleA is a Spanish fintech operating a regulated crowdlending marketplace that connects businesses seeking working capital with retail investors seeking yield. Founded in 2013 and operational since April 2015, the company is headquartered in Golmayo (Soria) with a presence in Madrid, and employs between 11 and 50 people. The platform has facilitated over €550 million in financing for more than 4,000 Spanish companies across three product lines: factoring (invoice advance with or without recourse), confirming (supplier payment management with five modalities), and business loans. For borrowers, the platform offers a digital control panel for payment and receipt management, with each business assigned a personal relationship manager; for investors, MytripleA offers short-term factoring/confirming investments (3–7% annual plus 3-month Euribor, ~90-day average), SGR-guaranteed secure investments (up to 2% plus Euribor, 3-year average), and measured-risk profitable investments (3–10% over 12–18 months) graded on a proprietary A–F risk rating system.

The underlying technology is a 100% digital platform with automated underwriting, an integrated control panel for borrowers, an investor portal for loan selection and portfolio tracking, and proprietary tools including a profitability calculator and a net-profitability calculation methodology grounded in Banco de España Circular 4/2016 provisioning standards. Operations are structured across three wholly-owned Spanish subsidiaries: MytripleA Gestión S.L. (factoring/confirming), MytripleA Financiación PFP S.L. (loans, CNMV license nº10 under EU Regulation 2020/1503), and MytripleA Factoring. The company holds a regulatory moat through its CNMV license and through exclusive agreements with SGRs (Sociedades de Garantía Recíproca) across all Spanish territories, which are re-guaranteed by CERSA and the European Investment Fund.

MytripleA's revenue model is built on transaction-based fees: it earns an origination commission from businesses (charged only if at least 90% of the requested financing is raised) and retains an administration portion of the interest rate, both embedded in monthly loan repayments. The platform charges no fees to investors, with investor returns ranging from ~2% (SGR-guaranteed) to ~10% (measured-risk loans) annually. Distribution is exclusively direct-to-customer via the digital platform, with a minimum investor entry of €50 and a multi-channel content marketing and SEO strategy supported by blog, newsletter, and social media presence. As of February 2025, the company has secured a €30 million financing agreement from BBVA Spark to support growth and new product development, following prior equity rounds totaling roughly €7M from investors including Bonsai Partners, Inveready, and FINTECH VENTURES.

Name

MytripleA

Legal name

MytripleA Valores S.L.

Website

https://mytriplea.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

MytripleA is a Spanish fintech operating a CNMV-licensed crowdlending marketplace that connects SMEs and mid-market companies seeking factoring, confirming, and loan financing with retail investors, having facilitated over €550 million for 4,000+ businesses since 2015.

Ownership category

akta.pro rank

Product category

Alternative Lending / Crowdlending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

Keywords

• Crowdlending platform
• Alternative business financing
• Invoice factoring services
• Supply chain financing
• Business loan marketplace

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Loan Origination Commission (Empresa): MytripleA charges companies a commission for publishing their loan project on the platform. Commission is only applied if the minimum 90% of the requested financing amount is reached. If the target is not met, no financing is granted and no commission is charged. The commission is embedded in the interest rate offered to investors.
2. Administration Commission: A portion of the interest rate charged to the borrowing company is retained by MytripleA as an administration fee, incorporated into the monthly loan repayments. Only charged if the company successfully receives the loan funds.
3. Short-term Investment Products (Factoring/Confirming): Factoring and confirming products offered through MytripleA Gestión, S.L. — not supervised by CNMV under EU Regulation 2020/1503. Investors invest in invoice rights, platform earns spread between investor returns and borrower costs.
4. Loan Investment Products (Préstamos): Medium and long-term loan products offered through MytripleA Financiación PFP, S.L., registered with CNMV (license #10) under EU Regulation 2020/1503. Platform facilitates investor-to-business loans and earns origination/administration fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

MytripleA operates a digital crowdlending marketplace that connects Spanish businesses seeking alternative financing with individual investors seeking above-market returns. The platform offers three financing products for businesses (Factoring, Confirming, and Loans) and three investment products for investors (Short-Term Investments in factoring/confirming, SGR-Guaranteed Secure Investments, and Measured-Risk Profitable Investments), all accessible 100% online through an automated control panel.

Product overview

MytripleA is a Spanish alternative financing platform operating as a crowdlending marketplace that connects investors seeking returns with businesses needing financing. The platform offers three core financing products for businesses: Factoring (invoice advance with/without recourse), Confirming (supplier payment management with 5 modalities), and Loans (CNMV-licensed PFP). For investors, MytripleA provides three investment products: Short-Term Investments in factoring/confirming (3-7%+Euribor, 90-day average), Secure Investments with SGR guarantee (up to 2%+Euribor, 100% protected), and Profitable Investments with measured risk (3-10%, A-F rating system). The platform is offered by MytripleA Gestión, S.L. for factoring/confirming and MytripleA Financiación PFP, S.L. (CNMV license nº10) for loans, all regulated under EU Regulation 2020/1503.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Over €550 million in financing facilitated for more than 4,000 companies since 2015
• +4 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Sociedades de Garantía Recíproca (SGRs) — Multiple Spanish Regional SGRscoreStrategic or Co-development PartnerMytripleA has agreements with SGRs distributed across all Spanish territories. These SGRs provide aval (guarantee) for investment products, performing independent risk analysis on borrowing companies and guaranteeing 100% of capital and ordinary interest to investors in case of default. The SGRs are supervised by Banco de España and re-backed by CERSA and the European Investment Fund.
• CERSA (Compañía Española de Reafianzamiento)coreOthersCERSA is the Spanish company for refinancing that provides re-guarantees (contragarantías) to SGRs, covering approximately 40% of the risk assumed by SGRs. CERSA is attached to the Ministry of Economy, Industry and Competitiveness and is counter-guaranteed by the European Investment Fund.
• CERSA (Compañía Española de Reafianzamiento)coreOthersSpanish government-linked re-guarantee entity that backs SGRs with approximately 40% risk coverage, indirectly supporting the guaranteed investment products offered through MytripleA's platform.
• Spanish Credit Insurance CompaniesminorOthersFirst-tier Spanish credit insurance companies contracted by MytripleA Factoring to cover debtor insolvency risk on factoring and confirming operations. When an insured invoice's debtor becomes insolvent, the insurer covers payment at 90 days after the due date, ensuring investors recover capital and ordinary interest.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Housers: Spanish crowdfunding platform operating real-estate and business-projects marketplace. Comparable as a Spain-based retail-investor crowdfunding platform with multi-product origination and a similar regulatory positioning.
• October (formerly Lendix Spain): European P2P/crowdlending platform focused on SME loans across France, Spain, Germany, Italy and the Netherlands. Closest direct competitor to MytripleA's borrower-lender marketplace model in Spain.
• Traventia (Crealsa): Spanish factoring and confirming specialist serving SMEs and corporates. Most direct non-crowdlending competitor to MytripleA's Factoring and Confirming product lines in the Spanish market.

Regional players

• Bondora: European P2P lending platform operating primarily in Northern Europe. Comparable as a regulated retail-investor lending marketplace with diversified risk-graded loan products, though not active in Spain.
• EstateGuru: European P2P real-estate lending marketplace operating primarily in the Baltics, Germany, and selected EU markets. Comparable as a regulated (EU Regulation 2020/1503) retail-investor loan marketplace, though focused on real-estate collateral.

Broad incumbents

• Coface: Global trade-credit insurer and factoring operator. Overlaps with MytripleA's factoring and confirming product line and serves a similar mid-market borrower base across Europe.
• Funding Circle: Global SMB-focused online lending platform with UK origins. Competes with MytripleA in digital SMB lending and was the acquirer of Zencap, MytripleA's former direct peer in Europe.
• Mintos: European loan marketplace aggregating consumer and business loans from multiple originators across geographies. Operates as a marketplace model similar to MytripleA but with broader European reach and asset class coverage.
• Atradius: Global credit-insurance and factoring/confirming provider. Direct overlap with MytripleA's short-term working-capital products and a major counterparty in the debtor-insurance chain that MytripleA integrates for its factoring/confirming book.

Emerging players

• Wecity: Spanish regulated crowdfunding platform focused on real-estate and corporate deals. Operates under CNMV and EU Regulation 2020/1503, competing for the same Spanish retail-investor capital pool as MytripleA.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/MytripleA
• YouTubeyoutube.com/channel/UCDOl937jOGCTL20_YkrgxIg
• Facebookfacebook.com/MytripleA
• LinkedInlinkedin.com/company/mytriplea

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries3 records

Funding overview

Funding rounds5 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MytripleA