SEGO FINANCE

What SEGO FINANCE does

SEGO Finance is a Madrid-based Spanish fintech that operates a CNMV-regulated multi-platform ecosystem for alternative investments, founded in 2011 as SociosInversores 2010 SL with an initial €12,000 investment. The group runs five distinct platforms under one corporate umbrella: SEGO Venture (venture and growth capital via equity and convertibles for startups), SEGO Real Estate (crowdlending for property developers), SEGO Creative (audiovisual and cultural project financing in partnership with EGEDA), SEGO Factoring (digital invoice financing, formerly Emprestamo.com), and SEGO Funds (indexed and thematic portfolios distributed via MyInvestor Banco S.A. through group subsidiary Fintup Digital S.L.). SociosInversores 2010 SL holds CNMV License #7 (granted April 14, 2023) and operates under EU Regulation 2020/1503, making it one of a limited number of authorized participatory financing service providers in Spain.

The platform is a two-sided marketplace: retail investors self-register via the digital platform and select among the five product verticals, with 45,000+ active investors generating 500+ daily investments and over €350 million in cumulative alternative investments facilitated; on the supply side, SMEs, startups, real estate developers, cultural producers, and companies with receivables obtain non-bank financing through the same infrastructure. Payments, e-money custody, and KYC/wallet flows are handled through MangoPay; data hosting sits within the EU under ISO 27001-certified providers, and the group is audited by AUREN Auditores. Shareholders include GVC Gaesco (a 50-year-old Spanish financial group with €3.5B+ under administration), Angels Capital (Juan Roig / Mercadona-family investment vehicle), and PICAVAL (Banco Pichincha's Ecuadorian securities house).

Revenue is generated primarily through transaction and platform fees charged to project promoters and issuers on successful funding, supplemented by recurring management and distribution fees on SEGO Funds products (via the MyInvestor financial-agent relationship) and by affiliate/referral economics from insurance products with MEDVIDA Partners. Reported growth signals include 60%+ annual compound growth over the past five years and 125% growth in SEGO Factoring during 2025, while SEGO Creative has raised over €2M across 14 cultural projects to date.

Name

SEGO FINANCE

Legal name

SOCIOSINVERSORES 2010 SL

Website

https://segofinance.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

SEGO Finance is a Madrid-based, CNMV-regulated fintech running a multi-platform alternative-investment ecosystem (venture, real estate, cultural, factoring, funds), connecting 45,000+ retail investors with Spanish SMEs, startups, and developers seeking non-bank financing.

Ownership category

akta.pro rank

Product category

Alternative Investment Platform

NAICS

Miscellaneous Intermediation (52391), Portfolio Management and Investment Advice (52394), Funds, Trusts, and Other Financial Vehicles (525), Open-End Investment Funds (52591)

SIC

Short-Term Business Credit Institutions (6153), Investment Advice (6282)

akta.pro primary industry

Venture Capital Fund-of-Funds / Multi-Manager Platforms (FSANAAAJ)

akta.pro secondary industry

Impact / ESG Venture Capital (FSANAAAG)

Keywords

• Crowdfunding platform
• Alternative investments
• Venture capital crowdfunding
• Invoice factoring services
• Real estate crowdlending

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices2 records

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. Platform Fees - Project Promoters/Issuers: SEGO Finance charges fees to project promoters and companies seeking financing through its various platforms (venture, real estate, creative, factoring). The company facilitates loans and equity participation, earning fees upon successful project funding.
2. Investor Management Fees: Fees charged to investors for investment facilitation services. The company also earns returns on its alternative investment products offered through the platform.
3. SEGO Funds Distribution Fees: SEGO Funds is offered through Fintup Digital S.L as a financial agent of MyInvestor Banco S.A. and insurance agent of MEDVIDA Partners, generating distribution/middleman fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

SEGO Finance operates a CNMV-regulated multi-platform alternative investment ecosystem (License #7 under EU Regulation 2020/1503) that connects retail investors with project promoters across five product lines: venture capital (SEGO Venture), real estate crowdlending (SEGO Real Estate), audiovisual/cultural financing (SEGO Creative), invoice factoring (SEGO Factoring), and indexed/thematic fund distribution (SEGO Funds). The company has facilitated over €350 million in alternative investments across 2,000+ projects, serving more than 45,000 active investors with over 500 daily investments processed.

Product overview

SEGO FINANCE operates as a multi-platform alternative investment ecosystem consisting of five distinct products: SEGO Venture (venture capital for startups), SEGO Real Estate (real estate crowdlending), SEGO Creative (audiovisual/cultural sector financing), SEGO Factoring (digital invoice financing), and SEGO Funds (indexed portfolios and themed investments). The core platforms (Venture, Real Estate, Creative) are offered by SociosInversores 2010 SL, a CNMV-supervised Participatory Financing Service Provider. SEGO Factoring is offered by Smart and Small SL, and SEGO Funds by Fintup Digital S.L. Together the group manages over €350 million in alternative investments across more than 45,000 active investors, having returned more than €200 million to individual investors.

Differentiator

Problem solved

Functional benefit

Brands

• SEGO Venture: Venture capital crowdfunding platform facilitating equity investment in technology startups and innovative companies, regulated by CNMV as a participative financing service provider.
• SEGO Factoring
• SEGO Real Estate
• SEGO Creative
• SEGO Funds

Products and services

• SEGO Venture
• SEGO Real Estate
• SEGO Creative
• SEGO Factoring
• SEGO Funds

Quantifiable outcome

• €350M+ alternative investments managed
• +4 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• EGEDAcoreStrategic or Co-development PartnerEGEDA is a strategic partner for SEGO Creative's audiovisual/cultural financing division. The partnership enables SEGO Creative to offer financing solutions for cultural projects, combining EGEDA's industry expertise with SEGO's alternative financing platform. SEGO Creative has raised over €2M across 14 cultural projects through this partnership.
• MangoPaycoreTechnology or IntegrationMangoPay is the payment gateway and digital wallet provider used across all SEGO Finance platforms for processing investments, managing fund flows between investors and project promoters, and handling payment services. SEGO Finance utilizes MangoPay's e-money services for secure fund custody and transfers.
• MyInvestor Banco S.A.coreChannel Partner/ Reseller/ DistributorMyInvestor Banco S.A. is a partner bank for SEGO Funds distribution. Fintup Digital S.L (a SEGOFINANCE group company) acts as a Financial Agent of MyInvestor, distributing indexed portfolios, thematic investments, and other investment products through the bank's network.
• MEDVIDA PartnerscoreChannel Partner/ Reseller/ DistributorMEDVIDA Partners is a partner insurance company for SEGO Funds. Fintup Digital S.L (SEGOFINANCE group) acts as an Insurance Agent of MEDVIDA Partners, distributing insurance products alongside investment offerings.
• AUREN Auditores SP, S.L.P.minorOthersExternal auditor for SociosInversores 2010 SL. Audits are conducted at AUREN's office located at Avda. General Perón, 38, 4ª Planta, 28020 Madrid.
• AUREN Auditores SP, S.L.P.minorOthersExternal auditor for SociosInversores 2010 SL. Audits are conducted at AUREN's office located at Avda. General Perón, 38, 4ª Planta, 28020 Madrid.

Scale indicators16 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Fundrise: Fundrise is a US-based real estate crowdfunding and alternative-investment platform serving hundreds of thousands of retail investors. It is a broader incumbent operating at significantly larger scale than SEGO Real Estate and offers a comparable retail alternative-investment thesis.
• Mintos: Mintos is a European P2P lending and alternative-investment marketplace that connects retail investors with loan originators. It is a broader incumbent whose loan-and-receivables marketplace model is conceptually analogous to SEGO Factoring's invoice-financing platform.
• Seedrs: Seedrs is a UK-regulated equity crowdfunding platform (now part of Crowdcube) offering retail investors access to startup and scale-up equity rounds. It is a broad incumbent comparable to SEGO Venture's venture-crowdfunding model with similar regulatory underpinnings.
• Crowdcube: Crowdcube is a leading UK equity crowdfunding platform that has facilitated billions in startup and growth-stage raises. It is a broader, more established incumbent in equity crowdfunding and represents a scaled-up analogue of SEGO Venture's model.

Others

• MyInvestor: MyInvestor is a Spanish digital bank and investment platform that is both a distribution partner for SEGO Funds and a broader competitor in retail investment products. It is an ecosystem participant whose strategy intersects with several of SEGO's product verticals.

Direct peers

• Fellow Funders: Fellow Funders is a Spanish regulated crowdfunding platform providing equity and debt financing for SMEs and startups. It competes head-to-head with SEGO Venture and SEGO Real Estate for both retail investors and project promoters in Spain.
• Housers: Housers is a leading Spanish real estate crowdfunding platform that connects property developers with retail investors. It is the most direct competitor to SEGO Real Estate and operates in the same CNMV-regulated Spanish market with overlapping target customers.
• Startupxplore: Startupxplore is a Spanish startup-investment platform that aggregates early-stage investment opportunities and connects startups with retail and professional investors. It overlaps with SEGO Venture's startup-investing focus and investor base.
• Crowd Equity: Crowd Equity is a Spanish equity crowdfunding platform that connects startups and SMEs with retail investors for capital raises. It is the most direct competitor to SEGO Venture in the Spanish equity-crowdfunding space.
• Wecity: Wecity is a Spanish CNMV-regulated crowdfunding platform offering real estate and SME financing opportunities to retail investors. It directly competes with SEGO's real estate and SME-facing verticals under similar EU Regulation 2020/1503 compliance frameworks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/SegoFinance
• Facebookfacebook.com/segofinance
• LinkedInlinkedin.com/company/sego-finance
• Instagraminstagram.com/segofinance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries3 records

Funding overview

Funding rounds2 records

Investors3 records

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

M&A1 record

Investments3 records

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

Frequently asked questions about SEGO FINANCE