Lendismart
Lendismart is a Spanish SaaS platform that orchestrates point-of-sale financing by connecting merchants across Spain, France, Italy, and Portugal to a network of 20+ banks and BNPL providers, with AI-assisted document scanning and conversational agents.
- Company typePrivate
- Founded2014
- HeadquartersMadrid, Spain
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Lendismart does
Lendismart, S.L. is a Spanish point-of-sale financing orchestration SaaS platform that connects merchants to multiple financial institutions and BNPL providers through a single integration. The company is headquartered in Seville and operates across Southern Europe — Spain, France, Italy, and Portugal — serving enterprise and mid-market merchants in verticals including automotive (Autohero / Auto1 Group), healthcare (Amplifon, Impress, Dental Company, WM Clinics), retail and energy (Iberdrola, Vorwerk, PC Components), and insurance (Caser). Since founding in 2014, Lendismart reports facilitating more than €4 billion in cumulative financing volume over 10+ years of operation.
The platform's core technology is a multi-entity financing router that allows merchants to connect to a roster of 20+ lenders — including BBVA, Santander, Caixabank, Younited, Scalapay, Cofidis, Oney, Cetelem, Alma, Aplazame, Floa, and Credibom — through configurable routing rules that prioritize conversion and commission. It operates omnichannel across physical stores, e-commerce, remote sales, and AI-agent interactions, with API and native e-commerce plugin integrations enabling deployment in days rather than months. The product surface includes the core Lendismart Platform, an owned installment service called LENDIPLAN (instrumented via digital signature provider Logalty), and an E-commerce checkout module. AI features are embedded as a layer: computer-vision-based document scanning for pre-filled financing applications and conversational AI agents guiding customers through the financing journey. The company is ISO 27001 certified.
Lendismart monetizes primarily through a monthly SaaS subscription tariff agreed per contract with the merchant, supplemented by payment-processing pass-through (borne directly by merchants via integrated providers) and a collections-recovery service for defaulted LENDIPLAN installments. Distribution is fully direct via a consultative sales-led motion: merchants request demos through a multilingual website (ESP/EN/FR/IT/PT), and a sales consultant configures the optimal lender mix for their sector and geography. The company is privately held, with the only disclosed external funding being a 2016 seed round from Faraday Venture Partners, and operates with a team of 50+ people.
Lendismart firmographics
Firmographics- Name
- Lendismart
- Legal name
- Lendismart, S.L.
- Website
- https://lendismart.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Lendismart is a Spanish SaaS platform that orchestrates point-of-sale financing by connecting merchants across Spain, France, Italy, and Portugal to a network of 20+ banks and BNPL providers, with AI-assisted document scanning and conversational agents.
- Ownership category
- akta.pro rank
Lendismart industry classification
Industry- Product category
- Point-of-Sale Financing Orchestration Software
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
- akta.pro secondary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where Lendismart is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Lendismart business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Platform Subscription: Monthly tariff based on agreed service value between Lendismart and the merchant. The platform provides the LENDIPLAN installment service, multi-entity routing, and dashboard analytics as part of the core SaaS subscription.
- Payment Processing (Card Fees): The merchant assumes directly the cost of payment processing through credit card via the integrated payment provider, which is a separate cost to the SaaS subscription.
- Collections Recovery Service: Lendismart provides debt collection services on behalf of merchants for defaulted LENDIPLAN installments, sub-contractable to third-party collection agencies, generating additional service fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Custom enterprise SaaS — pricing agreed per contract |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Lendismart product offering
Product offeringCore offering
Lendismart is a B2B SaaS financing orchestration platform that enables merchants to offer consumer credit at the point of sale by connecting them in a single integration to multiple banks, BNPL providers, and insurance partners. Its intelligent router selects the optimal lender per transaction, supports installment financing via its own LENDIPLAN service with integrated digital signature, and operates uniformly across physical retail, e-commerce, remote selling, and AI-agent channels.
Product overview
Lendismart is a consumer financing orchestration platform that unifies financial institutions, BNPL providers, and insurance products into a single digital environment. The core Lendismart Platform serves as the central orchestration system, while the LENDIPLAN module handles installment financing with integrated digital signature capabilities, and the E-commerce Module provides specialized checkout financing for online merchants. The platform operates as a SaaS solution connecting merchants to over 20 financial partners across multiple sales channels.
Differentiator
Problem solved
Functional benefit
Products and services
- Lendismart Platform The intelligent point-of-sale financing orchestrator that unifies financial institutions, BNPL providers, and insurance products into a single digital environment. Available across physical stores, e-commerce, remote sales, and AI agents. Targeted at mid-market and enterprise merchants selling products or services across Southern Europe.
- LENDIPLAN Installment financing service that enables merchants to split purchase amounts into different payment terms, instrumented through an installment purchase contract with digital signature via the integrated Logalty provider. Targeted at merchants seeking to offer installment financing without depending solely on external lenders.
- Lendismart E-commerce Module Checkout financing module optimized for e-commerce, connecting online stores to multiple BNPL solutions and financial institutions via API or native plugins, offering a fluid, secure, and fully automated payment experience. Targeted at e-commerce merchants seeking integrated BNPL and financing options at online checkout.
Quantifiable outcome
- +€4,000 million in financing facilitated across 10+ years of operation
- +2 more outcomes
Companies that use Lendismart
Customer profileNamed customers9 records
Segments7 records
Ideal customer profiles1 record
Lendismart technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration24 records
AI capability4 records
Feature8 records
Lendismart partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Logalty (Logalty Prueba por Interposición, S.L.)coreDigital signature provider integrated into the Lendismart platform, sending SMS notifications to end customers for signing installment purchase contracts within the LENDIPLAN service. Lendismart's legal terms reference this as the current integrated provider.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Lendismart competitors and assessment
Company assessmentDirect peers
- SeQura: Spanish BNPL platform offering installment and financing solutions to e-commerce and retail merchants, competing directly with Lendismart's orchestration value proposition in Spain and Portugal. Overlaps heavily on customer base and product offering.
- Aplazame: Spanish BNPL provider for e-commerce merchants offering instant installment financing at checkout. Competes for the same Spanish merchant base that Lendismart targets with its multi-lender orchestration platform.
- Scalapay: European BNPL provider active in Italy, France, Spain, and Portugal offering installment financing directly to merchants. Overlaps with Lendismart's POS financing use case across the same Southern European footprint (also integrated into Lendismart's network).
- Alma: French-headquartered BNPL provider for merchants, offering installment payments at checkout across multiple European markets. Comparable to Lendismart in POS financing positioning and European geography.
- Floa: French digital bank and consumer credit provider (subsidiary of Casino group and BNP Paribas) offering BNPL and installment financing at POS. Overlaps with Lendismart's POS financing value proposition in France and other markets.
- Splitit: Installment payments platform offering merchant POS financing integrations via card networks. Comparable customer base of retailers seeking installment capability, with a competing go-to-market model.
Broad incumbents
- Klarna: Global BNPL giant with deep merchant payment integrations and recently public status. Significantly broader geographic and brand reach than Lendismart but competes in the same POS financing category for European merchants.
- Affirm: US-headquartered BNPL and installment lender expanding into European POS financing. Competes in the same merchant financing category with materially greater capital and brand recognition.
- Stripe: Global payments platform with embedded financing products (Stripe Capital, Stripe Installments). A strategic competitor for unified merchant POS experiences including financing orchestration, with vastly greater scale and engineering resources.
- Adyen: Global payments platform actively investing in embedded financial products including POS credit. Competes for the same enterprise merchant wallet that Lendismart targets with its financing orchestration platform.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Lendismart social profiles
Digital presenceLendismart compliance and trust
Trust signalCompliance1 record
Lendismart financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lendismart leadership team
Management profileNumber of profiles
Profiles1 record
Lendismart funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lendismart 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 Lendismart
What does Lendismart do?
Lendismart is a B2B SaaS financing orchestration platform that enables merchants to offer consumer credit at the point of sale by connecting them in a single integration to multiple banks, BNPL providers, and insurance partners. Its intelligent router selects the optimal lender per transaction, supports installment financing via its own LENDIPLAN service with integrated digital signature, and operates uniformly across physical retail, e-commerce, remote selling, and AI-agent channels.
Is Lendismart a public or private company?
Lendismart is a private company. It is classified as venture growth investor backed and is currently operating.
When was Lendismart founded?
Lendismart was founded in 2014. It employs 11 to 50 people.
Where is Lendismart based?
Lendismart is headquartered in Madrid, Spain, in the Europe region.
How does Lendismart make money?
Three revenue lines are on record. SaaS Platform Subscription is the primary driver. The others are payment Processing (Card Fees) and collections Recovery Service.
Who are Lendismart's main competitors?
Direct peers on record are SeQura, Aplazame, Scalapay, Alma, Floa and Splitit. Broad incumbents are Klarna, Affirm, Stripe and Adyen.
Does Lendismart have an API?
Yes. Lendismart provides API connectivity for integrating financing and BNPL solutions into merchant systems. The platform enables integration via API or native e-commerce plugins, allowing merchants to connect to multiple financial institutions and BNPL providers. Integration is described as enabling first operations in days rather than months.
What industry is Lendismart in?
Lendismart's product category is Point-of-Sale Financing Orchestration Software. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 522310 and its SIC code is 6163.