SmartInvest Ventures

What SmartInvest Ventures does

SmartInvest Ventures appears in firmographic records as a global venture capital fund headquartered in Wilmington, Delaware, United States, founded in 2015 with 11–50 employees. However, the substantive operational data in the source set describes CreditoRapid, a Spanish online loan comparison platform operated by Protocolos y Servicios Financieros, S.L., a Sociedad Limitada registered in Málaga, Spain. The two profiles are not internally consistent, and there is no cross-referenced data tying SmartInvest Ventures to the CreditoRapid operations; the investment analysis below is grounded in the dominant operational evidence.

CreditoRapid's platform aggregates loan offers from multiple verified external lenders operating in Spain, covering a range from 50€ microcredits to 60,000€ personal loans, with specialized sub-products for ASNEF-listed borrowers and applicants without traditional payroll documentation. Users select an amount and term, compare offers (with TAE, total amount due, and conditions disclosed pre-contractually), and are redirected to the chosen lender's website to complete the application. The service is 100% online with no physical presence, no paperwork, and no fees to users. Underlying technology is a multi-lender comparison interface with compliance-driven transparency features (TAE display, 24-hour reflection period for microcredits, GDPR/RGPD data handling).

The business model is a pure affiliate/referral model: the platform is free to users and monetizes only when a referred user completes an application with a partner lender. The company is subject to Spanish Ley 16/2011 de Contratos de Crédito al Consumo and the in-progress 2026 Consumer Credit Law (Anteproyecto de Ley de Crédito al Consumo), which introduces a 22% transitional APR cap, Banco de España lender authorization requirements, and microcredit-specific rules. Editorial staff include Leire Aguirre Santos (editor and quality reviewer) and Álvaro Cifuentes Rubio (financial products analyst). Separately, leadership records list Fred Hosaisy as Founder/General Partner & Co-founder and Gerry Moan as Managing Partner — profiles that do not match the Spanish fintech operations described elsewhere in the dataset.

Name

SmartInvest Ventures

Legal name

Protocolos y Servicios Financieros, S.L.

Website

https://smartinvestventures.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

SmartInvest Ventures' operational data describes CreditoRapid, a Spanish online loan comparison platform that aggregates offers from verified external lenders, redirects users to lender websites, and earns affiliate referral fees across a 50€–60,000€ range, including ASNEF-listed applicants.

Ownership category

akta.pro rank

Product category

Consumer Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

akta.pro secondary industry

Near-Prime Unsecured Personal Loans (Installment) (FSAKAAAB)

Keywords

• Online loan comparison
• Personal loan brokerage
• Consumer credit platform
• Microcredit services
• Financial lead generation

Headquarters

HQ city

Wilmington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Lead generation / referral fees: The platform is completely free for users. Revenue is generated by referring users to external lenders when they select and apply through the platform. The company acts as an intermediary facilitating contact between borrowers and lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

SmartInvest Ventures operates CreditoRapid, a Spain-based online loan comparison platform that aggregates and compares personal loan offers from multiple verified external lenders, enabling consumers to request loans ranging from €50 to €60,000 through a 100% online, no-paperwork process. The platform does not directly grant credit; instead it generates qualified leads for partner lenders across categories including quick loans, microcredits, ASNEF-listed loans, loans without payroll documentation, and debt consolidation.

Product overview

CreditoRapid operates as a loan comparison aggregator platform that redirects users to external verified lenders. The platform features three main product categories: (1) Préstamos Rápidos (Quick Loans) spanning 50 to 60,000 euros with flexible repayment periods; (2) Minicréditos/Microcréditos (Mini/Micro-credits) for small-amount short-term needs; and (3) specialized sub-products including Préstamos sin Nómina (loans without salary documentation) and Préstamos con ASNEF (loans for individuals with morosity records). Additional services include loan extensions and repayment adjustments. The platform itself does not grant credit but facilitates comparison and connection with partner lenders operating under Spanish regulations.

Differentiator

Problem solved

Functional benefit

Products and services

• CreditoRapid Online Loan Comparison Platform
• Préstamos Rápidos (Quick Loans) Short-term personal loan product category available through the CreditoRapid platform, designed for consumers needing fast disbursement, with response times of 45 minutes to 48 hours.
• Minicréditos (Microcredits) Small personal loan product category typically ranging from €50 to €1,000 for urgent cash needs, offered through the CreditoRapid platform and aimed at consumers seeking fast, low-amount credit.
• Préstamos con ASNEF (Loans with ASNEF) Personal loan product category available through CreditoRapid for consumers listed in the ASNEF (Asociación Nacional de Establecimientos Financieros de Crédito) credit register, providing credit access to borrowers typically excluded from mainstream lending.
• Préstamos sin Nómina (Loans without Payroll) Personal loan product category available through CreditoRapid for self-employed, freelance, or other borrowers unable to provide standard payslip documentation, using alternative income verification.
• Reunificación de Deudas (Debt Consolidation) Debt consolidation offering available through CreditoRapid that combines multiple outstanding debts into a single loan with a single monthly payment, designed to reduce monthly financial burden for borrowers managing multiple credit obligations.

Quantifiable outcome

• Loan approval within 45 minutes reported by users

Named customers4 records

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Verified external lenders (unnamed)coreChannel Partner/ Reseller/ DistributorCreditoRapid aggregates loan offers from verified external lenders operating in Spain. Users are redirected to lenders' websites to complete applications. Lenders are vetted for compliance with Spanish regulations. The platform does not guarantee approval as final decisions rest with the lenders.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Rastreator: Spain's largest financial and insurance comparator; operates a similar aggregator model redirecting users to lenders and insurers, making it the closest direct competitor to CreditoRapid in Spanish loan comparison.
• HelpMyCash: Spanish comparator covering personal loans, microcredits, and banking products; directly comparable to CreditoRapid in product scope and in serving the same ASNEF and near-prime borrower segments.
• CrediMarket: Spanish loan and credit-product comparator; directly competes with CreditoRapid in personal-loan and microcredit comparison for Spanish retail consumers.
• Selectra: Spanish comparator covering utilities, telecom, and financial products; overlaps with CreditoRapid in personal-loan and consumer-credit comparison use cases.
• Kelisto: Spanish price and financial-product comparator that aggregates offers from multiple providers; shares CreditoRapid's affiliate model and Spanish consumer target market.
• Bankimia: Spanish personal finance comparator focused on loans, mortgages, and credit cards; matches CreditoRapid's lead-gen/referral business model and target audience of Spanish consumer-credit borrowers.
• iAhorro: Spanish financial comparator historically strong in mortgages and personal loans; competes with CreditoRapid for organic SEO traffic from Spanish consumers comparing loan offers.

Emerging players

• Finizens (Fintonic): Spanish personal finance management app offering credit-product recommendations and partner offers; adjacent to CreditoRapid's lead-gen model with a more app-centric distribution channel.
• Vivus: Spanish online microcredit lender; one of the likely partner lenders surfaced through CreditoRapid's comparison results and a benchmark for the microcredit economics that the platform aggregates.

Broad incumbents

• Cofidis España: Established Spanish consumer-credit subsidiary of Cofidis Group; while a direct lender rather than aggregator, it is a recurring source of comparison offers in CreditoRapid's results and defines the competitive landscape the platform routes into.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/SmartInvestVC

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments6 records

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

Frequently asked questions about SmartInvest Ventures