Finteca

What Finteca does

Finteca, legally Finteca Tech S.L., is a Barcelona-based digital mortgage brokerage founded in 2017 that operates as an accredited Real Estate Credit Intermediary under the Banco de España (registration D274). The company runs a 100% online intermediation platform through which Spanish residents and non-residents can search, compare, simulate, and apply for mortgage products sourced from a network of 15+ partner banks, including Banco Sabadell, Bankinter, Caixabank, Unicaja, Kutxabank, and Deutsche Bank. Its product suite is structured around customer personas (young first-time buyers, civil servants, seniors 65+, non-residents, self-builders, bridge buyers) plus differentiated offerings such as 100% LTV mortgages enabled by exclusive bank agreements, a self-service mortgage simulator, and property valuation services. Underlying technology is a web-based platform with online forms, Calendly-scheduled virtual advisor support, and AI-assisted credit evaluation referenced in its privacy policy; the company is GDPR-compliant and does not expose a public API.

Finteca monetizes exclusively through transaction commissions paid by partner banks upon successful mortgage closing, offering its service free of charge to end customers. The go-to-market is a digital inside-sales motion combining content marketing (blog, 'Ático sin Ascensor' podcast, webinars), organic social, and dedicated human advisors (Silvia, Salma, Yolanda, Marga, Eva, Milagros, Nahuel) who guide each client from inquiry to closing. Distribution to professional partners is enabled through a dedicated login portal (ops.prohipotecas.com) suggesting some B2B2C flow alongside direct B2C. The company has raised approximately $1.635M in disclosed funding from Nuclio Venture Builder, ICF Capital, Archipelago Next, and SociosInversores.com between 2018 and 2023, indicating a capital-light, commission-driven model rather than venture-scale growth ambition.

Name

Finteca

Legal name

Finteca Tech S.L.

Website

https://finteca.es

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Finteca is a Barcelona-based digital mortgage broker (Bank of Spain registration D274) that offers Spanish residents and non-residents free intermediation with 15+ partner banks, including specialized 100% LTV products, monetizing via bank commissions.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

akta.pro secondary industry

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

Keywords

• Mortgage brokerage services
• Digital mortgage intermediation
• Home loan advisory
• Credit intermediation platform
• Property financing solutions

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Bank commissions: Finteca receives commissions from banking partners when a mortgage is successfully closed. The service is free for customers as Finteca's revenue comes entirely from commissions paid by the financial institutions with which they have partnership agreements.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Finteca is a digital mortgage brokerage platform that operates as an accredited Real Estate Credit Intermediary (Banco de España registration D274), connecting individual customers in Spain with 15+ partner banks to search, compare, and apply for mortgage financing. The service is 100% online and free for customers, with the company earning commissions from partner banks upon successful mortgage completion. Specialized mortgage offerings include products for young/first-time buyers, civil servants, seniors 65+, non-residents, self-builders, bridge financing, and 100% financing.

Product overview

Finteca is a digital mortgage brokerage platform that operates as an accredited Real Estate Credit Intermediary under the Bank of Spain (registration number D274). The platform offers a comprehensive suite of mortgage products including specialized mortgages for young buyers, civil servants, seniors (65+), non-residents, self-builders, and bridge financing. Core services include mortgage intermediation with 12+ partner banks (Banco Sabadell, Bankinter, Unicaja, Kutxabank, Liberbank, UCI, Globalcaja, Ibercaja, Abanca, EVO Banco, Myinvestor, Deutsche Bank, Targobank, Caixabank, Laboral), a mortgage simulator tool, and property valuation services. The platform is entirely free for customers, with Finteca earning revenue through commissions from partner banks. Additional offerings include 100% mortgages requiring minimal down payment and refinancing options.

Differentiator

Problem solved

Functional benefit

Products and services

• Hipoteca para jóvenes (Mortgage for Young People) Specialized mortgage product designed for first-time homebuyers in Spain, typically with favorable conditions for younger borrowers seeking to purchase their first primary residence.
• Hipoteca para funcionarios (Mortgage for Civil Servants) Mortgage product with advantageous conditions specifically designed for Spanish public sector employees, offering competitive rates and terms available to civil servants.
• Hipoteca Mayores 65 años (Mortgage for Seniors 65+) Specialized mortgage offering for individuals over 65 years old in Spain, addressing the unique financial circumstances and age-related restrictions of senior borrowers.
• Hipoteca para no residentes (Mortgage for Non-Residents) Mortgage product for non-Spanish residents seeking to purchase property (typically second homes) in Spain, navigating the specific documentation and qualification requirements for international buyers.
• Hipoteca Autopromotor (Self-Builder Mortgage) Financing solution for individuals who want to construct their own home in Spain, covering the building process through staged disbursements rather than purchase of an existing property.
• Hipoteca Puente (Bridge Mortgage) Transition mortgage designed for buyers who need to purchase a new property before selling their current one, bridging the financial gap between transactions.
• Hipoteca 100% (100% Mortgage) Special mortgage product allowing financing of 100% of the property value, enabling purchases with minimal initial savings (approximately 10,000 euros for purchase costs only), available through Finteca's exclusive banking agreements.
• Simulador Hipotecario (Mortgage Simulator) Online tool that allows users to simulate mortgage payments and calculate monthly installments instantly and without commitment, serving as the top-of-funnel entry point to Finteca's advisory service.
• Tasación (Property Valuation) Property valuation service to determine the market value of a home for mortgage purposes, supporting customers in the mortgage application process.
• Préstamo Personal (Personal Loan) Personal loan product offered through partner Prestalo for home renovation or improvement purposes, complementing Finteca's mortgage services.

Quantifiable outcome

• 4.9/5.0 customer satisfaction rating based on 240 Google reviews
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Partnerships

22 partnerships are on record, tiered core and minor.

• Banco SabadellcoreChannel Partner/ Reseller/ DistributorBanking partner with whom Finteca has closed agreements to offer mortgage products. Finteca acts as intermediary presenting Banco Sabadol's mortgage options to customers seeking home financing.
• BankintercoreChannel Partner/ Reseller/ DistributorBanking partner offering fixed, variable, and mixed mortgage products through Finteca's platform. Offers mortgages up to 80% for primary residences and 60% for second homes.
• UnicajacoreChannel Partner/ Reseller/ DistributorRegional banking partner offering mortgage products through Finteca's intermediation services.
• KutxabankcoreChannel Partner/ Reseller/ DistributorBasque banking institution partner offering competitive mortgage products through Finteca's platform.
• UCI (Urbasguración y Ciearra Intermedia)coreChannel Partner/ Reseller/ DistributorSpecialized mortgage lender partner offering financing solutions through Finteca.
• IbercajacoreChannel Partner/ Reseller/ DistributorAragonese banking partner offering mortgage products through Finteca's intermediation network.
• AbancacoreChannel Partner/ Reseller/ DistributorGalician banking group partner offering mortgage financing through Finteca.
• CaixabankcoreChannel Partner/ Reseller/ DistributorOne of Spain's largest banks, partner offering comprehensive mortgage solutions through Finteca's platform.
• EVO BancocoreChannel Partner/ Reseller/ DistributorDigital banking partner offering mortgage products through Finteca's intermediation services.
• MyinvestorcoreChannel Partner/ Reseller/ DistributorDigital bank partner offering competitive mortgage products through Finteca's platform.
• Deutsche BankcoreChannel Partner/ Reseller/ DistributorInternational banking partner offering mortgage solutions to Finteca customers.
• TargobankminorChannel Partner/ Reseller/ DistributorBanking partner offering mortgage products through Finteca's network.
• GlobalcajaminorChannel Partner/ Reseller/ DistributorRegional banking partner offering mortgage products through Finteca.
• Laboral KutxacoreChannel Partner/ Reseller/ DistributorBasque savings bank partner offering mortgage financing through Finteca.
• LiberbankcoreChannel Partner/ Reseller/ DistributorBanking group formed from regional cajas, partner offering up to 90% financing on purchase price through Finteca.
• CajasurminorChannel Partner/ Reseller/ DistributorBanking entity under Kutxabank offering fixed, variable, and young mortgages through Finteca.
• ING DirectminorChannel Partner/ Reseller/ DistributorDigital banking partner offering mortgage products through Finteca.
• CofidisminorChannel Partner/ Reseller/ DistributorConsumer finance partner offering loan products that complement mortgage services.
• PrestalominorChannel Partner/ Reseller/ DistributorPersonal loan partner offering renovation financing complementary to mortgage services.
• ImaginminorChannel Partner/ Reseller/ DistributorDigital financial services app partner offering products through Finteca.
• Hipotecas.comminorChannel Partner/ Reseller/ DistributorDigital mortgage comparison platform partner.
• CaserminorChannel Partner/ Reseller/ DistributorInsurance company partner offering home insurance products alongside mortgages.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Hipotecas.com: Spain's largest dedicated digital mortgage comparison and brokerage platform. Directly comparable to Finteca in serving Spanish homebuyers with multi-bank comparison, advisor support, and commission-based monetization. Finteca even has a partner relationship with Hipotecas.com listed in its alliance data.
• Trioteca: Spanish digital mortgage broker that compares offerings across multiple banks and assigns a personal advisor. Closely comparable to Finteca on customer journey, free-to-customer model, commission revenue, and Spanish market focus.
• Idealista Hipotecas: Mortgage brokerage arm of Spain's leading property portal, offering multi-bank mortgage comparison and intermediation. Comparable to Finteca in product offering and Spanish market focus, with the differentiating advantage of massive inbound real-estate traffic.

Emerging players

• Creditea: Spanish digital consumer credit platform offering personal loans and complementary credit products. Comparable to Finteca on digital intermediation in Spanish consumer finance and partial overlap on personal loan products (e.g., Finteca's Prestalo partnership).
• MortgageGym: UK-based digital mortgage platform with online advice and application tools. Comparable to Finteca on digital-first mortgage intermediation technology and end-to-end online journey, but serves the UK market.

Regional players

• EVO Banco (mortgage offering): Spanish digital bank that is itself a Finteca partner and offers its own direct digital mortgage products. Comparable as a digital-first mortgage channel in the same Spanish market, representing the disintermediation risk Finteca faces from partner banks.
• Myinvestor: Spanish digital bank with competitive direct mortgage products and a Finteca partner relationship. Comparable as a digital-native mortgage competitor serving the same Spanish customer base with similar borrower profiles.
• Habito: UK-based digital mortgage broker offering online comparison and broker services. Comparable to Finteca on digital broker model and free-to-customer/commission monetization, but operating in a different geography (UK vs Spain).

Broad incumbents

• LendingTree: US-listed online lending marketplace that originated as a multi-lender mortgage comparison platform. Comparable to Finteca on multi-bank comparison and lead-generation/commission model, but operates at much larger scale and across multiple credit products, not just mortgages.
• Better.com: US digital mortgage lender and broker with end-to-end digital mortgage origination. Comparable to Finteca on digital-first mortgage journey and AI-assisted origination, but operates in the US with broader product scope and balance-sheet lending.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/finteca
• Facebookfacebook.com/finteca

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds5 records

Investors5 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 Finteca