Kintai
Kintai is a Barcelona-based fintech founded in 2021 that provides working capital financing — invoice advances (€1K–€1M) and express lines (up to €50K) — to Spanish SMEs and self-employed professionals, using Open Banking and ERP data for risk assessment and distributed via a self-serve platform and B2B partner network.
- Company typePrivate
- Founded2021
- HeadquartersBarcelona, Spain
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Kintai does
Kintai (legal entity: KINTAI DIGITAL SL) is a Barcelona-based fintech founded in 2021 that provides working capital financing to Spanish small and medium-sized enterprises (PYMEs) and self-employed professionals (autónomos) who face limited access to traditional bank credit. The company offers two core products: Anticipo de Facturacion, an invoice and receivables advance covering future invoices, contracts, purchase orders, delivery notes, public-administration awards, and promissory notes (€1,000–€1,000,000 ticket range, 72-hour analysis), and Anticipo Express, a revolving line of up to €50,000 disbursed in under 48 hours without personal guarantees. The platform is differentiated by a CIRBE-neutral structure that does not affect the borrower's position in the Spanish credit reporting system, preserving their traditional bank credit capacity. Underwriting is driven by direct Open Banking and ERP integrations that ingest real-time financial data to assess risk and optimize financing terms. The company is regulated as a private limited company in Spain, is not publicly listed, and has no disclosed subsidiaries.
The business model is transaction-based: Kintai earns fees or a take rate on each advance, with quote-based pricing customized per business need. Distribution is hybrid — a self-serve digital platform at dashboard.kintai.com handles direct SMB originations, while a partner network of corporate finance firms, financial intermediaries, business advisors, investment funds, and other fintechs/banks (including Qonto and CECOT) drives B2B-sourced volume through a dedicated Partner Platform with real-time deal monitoring and referral commissions. Kintai closed a €2.5 million seed round in January 2023 co-led by the Institut Català de Finances (ICF) and Nekko Capital, following an earlier ICF investment in late 2021. The team is founder-led, with Ignasi De Llorens as CEO, Víctor Ruiz as CTO, and Ernest Sanchez as Chairman, alongside co-founders Carlos Blanco, Elisabeth Guardiola, and Albert Soro. The company currently operates only in Spain, with no disclosed international expansion.
Kintai firmographics
Firmographics- Name
- Kintai
- Legal name
- KINTAI DIGITAL SL
- Website
- https://kintai.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Kintai is a Barcelona-based fintech founded in 2021 that provides working capital financing — invoice advances (€1K–€1M) and express lines (up to €50K) — to Spanish SMEs and self-employed professionals, using Open Banking and ERP data for risk assessment and distributed via a self-serve platform and B2B partner network.
- Ownership category
- akta.pro rank
Kintai industry classification
Industry- Product category
- SME Alternative Lending & Working Capital Financing
- NAICS
- Sales Financing (52222), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Short-Term Business Credit Institutions (6153), Loan Brokers (6163)
- akta.pro primary industry
- Underwriting Automation & Income/Employment Verification (FSAGAHAD)
- akta.pro secondary industries
- Income & Employment Verification (VOI/VOE, payroll-linked data) (FSAGACAE), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
Keywords
Where Kintai is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Kintai business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Invoice Advances (Anticipo de Facturación): Kintai provides advances on accounts receivable including future invoices, contracts, purchase orders, delivery notes, and public administration awards. Revenue generated through fees/interest on the advanced amounts.
- Express Cash Advances (Anticipo Express): Flexible lines of up to €50,000 with quick disbursement (under 48 hours). Revenue from transaction fees on the advances provided.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Anticipo de Facturación - From €1,000 to €1,000,000 |
| Transaction based/ take rate | Pay-as-you-go | Anticipo Express - Lines up to €50,000 |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels6 records
Kintai product offering
Product offeringCore offering
Kintai is a Spanish fintech that provides working capital financing to SMEs and self-employed professionals through two principal products: Anticipo de Facturación, an invoice and accounts-receivable advance ranging from €1,000 to €1,000,000 with 72-hour analysis, and Anticipo Express, a fast-access line of up to €50,000 disbursed within 48 hours without personal guarantees or CIRBE impact. Underwriting is driven by Open Banking and ERP data integration, and the company serves customers directly via a self-serve dashboard as well as through a B2B partner network of corporate finance firms, advisors, and other fintechs.
Product overview
Kintai offers a unified working capital financing platform centered on two core products: Anticipo de Facturación (invoice and accounts receivable advance) and Anticipo Express (express working capital advance). The platform enables SMEs and freelancers to access liquidity by leveraging open banking data to assess risk. Kintai also provides a Partner Platform for authorized business partners to manage client applications and track deals in real-time.
Differentiator
Problem solved
Functional benefit
Products and services
- Anticipo de Facturación
- Anticipo Express
- Plataforma Partner
Quantifiable outcome
- Proposal within 72 hours
- +3 more outcomes
Companies that use Kintai
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Kintai technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Kintai partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Corporate Finance PartnerscoreCorporate finance firms are part of Kintai's partner network, offering financing solutions to their SME clients. Partners benefit from competitive commissions and access to Kintai's technology platform for managing client deals.
- Financial IntermediariescoreFinancial intermediaries collaborate with Kintai to provide working capital financing to their business clients. They earn commissions on successful referrals and use Kintai's platform for efficient deal management.
- Business Advisors (Asesores Empresariales)coreBusiness advisors partner with Kintai to offer customized financing solutions to their SME clients, expanding their service portfolio and generating additional revenue through referral commissions.
- Investment Funds (Fondos de Inversión)coreInvestment funds collaborate with Kintai to provide alternative financing options to portfolio companies. The partnership offers diversified financing solutions with competitive commission structures.
- Other Fintechs and BankscoreOther fintech companies and banks partner with Kintai to offer working capital financing to their business customers. The partnership expands product offerings and provides additional value to their client base.
- QontominorQonto's logo appears on Kintai's partners page, indicating a partnership or integration relationship between the two fintech companies.
- CECOTminorCECOT (Associació Empresarial de Comerç i Serveis de Terrassa) logo appears on Kintai's partners page, indicating collaboration with this business association.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Kintai competitors and assessment
Company assessmentBroad incumbents
- Younited Credit: European consumer and SME credit platform operating in France, Italy, Spain, Germany, Portugal and beyond. Comparable to Kintai in providing fast digital credit to SMEs/individuals and operating a partner-distribution model alongside direct lending.
- Funding Circle: Publicly listed SME lending platform operating across the UK, US, and Europe. Overlaps with Kintai on SME term loans and lines of credit, though Funding Circle is a much larger, multi-geography incumbent with a broader product portfolio.
- Cofidis: Subsidiary of Crédit Mutuel, Cofidis is a large European consumer/SME credit provider with a strong Spanish presence. Broad incumbent comparable on Spanish SME and self-employed credit products, though distributed through much larger offline/digital channels.
Direct peers
- iwoca: UK- and Europe-based online lender providing working-capital lines and loans to small businesses. Comparable to Kintai in digital underwriting of SMEs, flexible repayment tied to cash flow, and a focus on the underserved segment rejected by banks.
- BlueVine: US-based fintech offering working capital, lines of credit, and invoice factoring to small businesses. Closely comparable to Kintai's product mix (especially Anticipo Express as an MCA-style working-capital line) and its SME/cash-flow underwriting approach.
- October (formerly Lendix): European online lending platform that originates SME loans across multiple European countries including Spain. Comparable to Kintai in digital SME lending model, target borrower profile, and use of platform/partner distribution.
- MytripleA: Spanish online lending platform focused on providing financing to SMEs, including invoice discounting and working-capital loans. Directly comparable to Kintai on geography, target segment (Spanish SMEs), and receivables-backed lending products.
Emerging players
- Qonto: European business banking platform serving SMEs and freelancers with current accounts, cards, and increasingly financing/credit products. Already a listed Kintai partner; comparable Spanish/European SMB fintech customer base and an increasingly overlapping credit-and-banking proposition.
- Sequra: Barcelona-headquartered fintech providing flexible payment solutions for merchants including SMEs. Comparable on Spanish geography, SME customer base, and a digital-first underwriting stack; partial overlap on working-capital-adjacent offerings.
Regional players
- Aplázame: Spanish fintech offering installment / point-of-sale credit to consumers and SMBs, now part of Aplazame-Abracollection. Regionally comparable to Kintai on Spanish fintech credit provision and digital underwriting, though skewing more toward consumer BNPL than SME receivables.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Kintai social profiles
Digital presenceKintai financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kintai leadership team
Management profileNumber of profiles
Profiles6 records
Kintai funding detail
Funding detailFunding overview
Funding rounds4 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kintai M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kintai
What does Kintai do?
Kintai is a Spanish fintech that provides working capital financing to SMEs and self-employed professionals through two principal products: Anticipo de Facturación, an invoice and accounts-receivable advance ranging from €1,000 to €1,000,000 with 72-hour analysis, and Anticipo Express, a fast-access line of up to €50,000 disbursed within 48 hours without personal guarantees or CIRBE impact. Underwriting is driven by Open Banking and ERP data integration, and the company serves customers directly via a self-serve dashboard as well as through a B2B partner network of corporate finance firms, advisors, and other fintechs.
Is Kintai a public or private company?
Kintai is a private company. It is classified as venture growth investor backed and is currently operating.
When was Kintai founded?
Kintai was founded in 2021. It employs 11 to 50 people.
Where is Kintai based?
Kintai is headquartered in Barcelona, Spain, in the Europe region.
How does Kintai make money?
Two revenue lines are on record. Invoice Advances (Anticipo de Facturación) is the primary driver. The others are express Cash Advances (Anticipo Express).
Who are Kintai's main competitors?
Broad incumbents on record are Younited Credit, Funding Circle and Cofidis. Direct peers are iwoca, BlueVine, October (formerly Lendix) and MytripleA. Emerging players are Qonto and Sequra. Aplázame is listed as a regional player.
Does Kintai have an API?
No public API is recorded for Kintai.
What industry is Kintai in?
Kintai's product category is SME Alternative Lending & Working Capital Financing. Its primary akta.pro industry code is FSAGAHAD, Underwriting Automation & Income/Employment Verification, with a secondary code of FSAGACAE, Income & Employment Verification (VOI/VOE, payroll-linked data). Its NAICS code is 52222 and its SIC code is 6153.