Finansi Group

What Finansi Group does

Kova Builder is a Valencia-based venture builder (founded 2020) that constructs and operates digital startups end-to-end in fragmented, high-ticket service markets where sales demand trust, qualification, and human execution. Its portfolio currently includes at least three wholly-owned operating subsidiaries — Afilie (digital/affiliate venture), Loanko (loan and financial services platform), and Kova Finance (finance services) — each targeting distinct vertical opportunities identified through demand-inefficiency analysis rather than idea-first product development. The firm operates from three offices (Valencia, Spain; Mexico City, Mexico; Porto, Portugal) and reports a footprint across 8+ countries with a team of 50+ operators, builders, and growth specialists managing 300K+ monthly qualified customer requests.

The technology stack underlying the ventures is described as combining AI, automation, SEO, and performance marketing, organized around a proprietary pre-qualification and scoring engine, a revenue engine design (acquisition, qualification, sales, optimization), and data-driven market analysis intended to identify opportunities before they emerge. These systems are designed to be reused across verticals and geographies, supporting the venture builder's "replication over reinvention" operating principle and giving each new venture access to a pre-built acquisition and conversion infrastructure rather than building from scratch.

Commercially, Kova Builder does not sell a standalone product or SaaS license; instead, it monetizes through equity ownership and revenue participation in the startups it builds and operates. Its revenue model is therefore dependent on the commercial traction of each portfolio venture (e.g., financial intermediation fees, lead generation monetization, partner commissions), with the parent entity capturing value through wholly-owned subsidiary economics. The go-to-market is partner-led and field-sales-driven at the venture level, while the venture builder itself is marketed through digital presence, LinkedIn, and direct investor/HR contact channels. No public pricing, funding rounds, or audited financials are disclosed.

Name

Finansi Group

Legal name

Kova Builder

Website

https://finansi-group.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Kova Builder is a Valencia, Spain-based venture builder that creates and operates wholly-owned digital startups — including Afilie, Loanko, and Kova Finance — in fragmented, high-ticket service markets across 8+ countries, using a reusable AI- and automation-driven revenue engine with 50+ operators managing 300K+ monthly qualified customer requests.

Ownership category

akta.pro rank

Product category

Fintech Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Finance Services (6199)

akta.pro industry

PRIMARYFSAEAMAK

Fintech & Payments Partner / ISO Referral Networks

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Introducers, Finders & Referral Networks

SECONDARYFSAEAEAM

Personal Loan & Unsecured Credit Intermediation

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

Keywords

• Fintech brokerage
• Lender matching
• Consumer lending platform
• Financial services technology
• Loan intermediation

Headquarters

HQ city

Valencia

HQ country

Spain

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Startup operations and ownership: Kova Builder builds and operates startups end-to-end, generating revenue through the ventures they create and scale in complex service markets. They design revenue systems rather than hoping for it, monetizing every customer interaction.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Finansi Group provides Fintech Broker technology and financial services that connect lenders with consumers. The company operates as an intermediary in the lending ecosystem, deploying proprietary broker technology to facilitate loan origination, lender-consumer matching, and digital financial service delivery between lending institutions and consumer borrowers.

Product overview

Kova Builder is a venture builder that operates as a portfolio of distinct digital startups across different service markets. The portfolio includes Afilie, Loanko, and Kova Finance as separate ventures, each targeting different high-ticket service markets. The parent company focuses on building and operating these ventures end-to-end, leveraging technology, automation, and data-driven strategies.

Differentiator

Problem solved

Functional benefit

Brands

• Afilie: Digital venture portfolio company operated by Kova Builder.
• Loanko
• Kova Finance

Products and services

• Fintech Broker Technology Platform Proprietary fintech broker technology platform that connects lenders with consumers, enabling lender-consumer matching, loan intermediation, and digital financial service delivery. Designed for lending institutions seeking technology-enabled distribution channels and for consumers seeking access to loan products.
• Consumer Financial Services Consumer-facing financial services that facilitate access to lending products through Finansi Group's broker platform. Targets individual consumers seeking loans or financial products by matching them with suitable lender partners and streamlining the application and origination process.

Quantifiable outcome

• Revenue engines live in 8+ countries
• +1 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Direct peers

• LendingTree: LendingTree is a publicly traded online loan marketplace connecting borrowers with multiple lenders across personal, home, and business credit products. It is directly comparable to Finansi Group's fintech broker model of intermediating lender-consumer demand across lending categories.
• MoneySuperMarket: MoneySuperMarket is a UK-based financial product comparison platform helping consumers compare loans, credit cards, and financial services. It mirrors Finansi Group's core proposition of connecting consumers with financial product providers through a brokerage/comparison funnel.
• Creditas: Creditas is a major LATAM fintech specializing in consumer lending secured by assets such as homes and autos. It is directly comparable to Finansi Group's Loanko subsidiary and overall Iberian/LATAM fintech lending intermediation focus.
• Antler: Antler is a global venture builder that identifies founders, co-builds startups, and scales them across multiple geographies. It is directly comparable to Finansi Group's Kova Builder subsidiary, which similarly builds and operates digital ventures end-to-end across multiple markets.
• Rocket Internet: Rocket Internet is a pioneering venture builder that founds and scales internet companies across emerging markets. It is comparable to Finansi Group's Kova Builder in operating a portfolio of operating companies built through a repeatable playbook across geographies.
• Hexa: Hexa (formerly eFounders) is a European venture builder that co-creates and launches B2B SaaS startups. It is directly comparable to Finansi Group's Kova Builder for its end-to-end venture building, operator involvement, and reusable infrastructure across portfolio companies.
• Kueski: Kueski is a leading Mexican fintech offering online consumer loans and BNPL. It is directly comparable to Finansi Group's lending intermediation business operating in Mexico through Loanko and Kova Finance.
• Younited Credit: Younited Credit is a European personal lending marketplace partnering with banks and lenders to originate consumer credit. It is directly comparable to Finansi Group's loan intermediation model across European geographies.
• ClearScore: ClearScore is a credit comparison and marketplace platform connecting consumers with lenders and credit products. It mirrors Finansi Group's core fintech broker proposition of qualifying consumer demand and routing it to financial product providers.
• Finder: Finder is a global financial product comparison platform helping consumers compare loans, credit cards, and financial services across multiple geographies. It is comparable to Finansi Group's fintech broker model in matching consumer financial demand with providers.

Market position

Strengths4 records

Weaknesses4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/finansi-group

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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 Finansi Group