Avalam
Avalam is a Spanish mutual guarantee society (SGR) founded in 1981 that provides financial and technical guarantees to approximately 3,000 SMEs and self-employed professionals in the Region of Murcia, enabling access to bank credit and public tenders through partnerships with major Spanish banks and regional public institutions.
- Company typePrivate
- Founded1981
- HeadquartersMurcia, Spain
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Avalam does
Avalam (Unión de Empresarios Murcianos S.G.R.) is a Spanish Sociedad de Garantía Recíproca (mutual guarantee society) founded in 1981 and headquartered in Murcia, Spain. It provides financial guarantees (Avales Financieros) and technical guarantees (Avales Técnicos) to small and medium enterprises and self-employed professionals in the Region of Murcia who lack sufficient collateral to access bank credit or participate in public tenders. The company operates under Spain's Law 1/94 governing SGRs and is registered in the Special Registry of the Ministry of Economy as entity number 27. Avalam is the dominant regional mutual guarantee society for Murcia, with approximately 3,000 associated SME members, a co-founding relationship with the regional employers' confederation CROEM, and hybrid private-public ownership including the Instituto de Fomento de la Región de Murcia (INFO), the Instituto de Crédito y Finanzas de la Región de Murcia (ICREF), and the Comunidad Autónoma de la Región de Murcia as institutional shareholders.
The company's core technology is the CONAVALSI online platform (avalam-online.es / conavalsi.com), which enables members to simulate financing scenarios, submit guarantee applications, and track active operations. The product portfolio spans financial guarantees for bank loans, technical guarantees for public/private tenders (delivered within 24 hours for approved lines), and direct financing products including the Línea Aquisgrán (fixed-rate, no bank intermediation), Confirming supply chain finance, Línea Escudo Liquidez, and ICRef Anticipos Respuesta. Distribution is hybrid: a direct sales motion through relationship managers at the Murcia headquarters, complemented by channel partnerships with all major Spanish banks operating in the region (CaixaBank, Santander, BBVA, Cajamar, Bankinter, Sabadell, ABANCA, Caja Rural Central/Regional), which route SME clients to Avalam for guarantee-backed financing. Revenue is generated primarily through guarantee fees (charged at formalization) and recurring membership contributions in the form of social participations with a €300.51 minimum subscription, backed by counter-guarantees from CERSA (Compañía Española de Reafianzamiento).
Avalam holds ISO 9001 quality certification and a LEGITEC GDPR excellence seal, and operates under an internally approved Code of Good Governance (2015). The company benefits from an exclusive regional fiscal incentive framework established by Ley 1/2017, reducing property acquisition taxes (ITP to 1% from 7.75%; AJD to 0.1% from 1.5%) for SMEs investing in Murcia, making Avalam a national pioneer in this fiscal channel. Operations remain strictly regional with no disclosed geographic expansion beyond the Region of Murcia, and the company is not publicly listed.
Avalam firmographics
Firmographics- Name
- Avalam
- Legal name
- UNIÓN DE EMPRESARIOS MURCIANOS S.G.R.
- Website
- https://avalam.es
- Company type
- Private
- Founded year
- 1981
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Avalam is a Spanish mutual guarantee society (SGR) founded in 1981 that provides financial and technical guarantees to approximately 3,000 SMEs and self-employed professionals in the Region of Murcia, enabling access to bank credit and public tenders through partnerships with major Spanish banks and regional public institutions.
- Ownership category
- akta.pro rank
Avalam industry classification
Industry- Product category
- Mutual Guarantee Society / SME Credit Guarantee Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
- akta.pro secondary industry
- SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)
Keywords
Where Avalam is headquartered
LocationHeadquarters
- HQ city
- Murcia
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Avalam business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Guarantee Fees: Aválam charges fees for providing financial and technical guarantees to SMEs and self-employed professionals, facilitating their access to financing through conventions with financial institutions and public bodies.
- Membership Contributions: Companies become members by subscribing social participations (minimum 300.51 EUR). These participations do not pay dividends and can be recovered upon operation maturity. This forms the mutual capital base of the society.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Member Participation |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Avalam product offering
Product offeringCore offering
Aválam is a Sociedad de Garantía Recíproca (mutual guarantee society) that issues financial guarantees (Avales Financieros) and technical guarantees (Avales Técnicos) to help SMEs and self-employed professionals in the Region of Murcia access bank financing and participate in public/private tenders. Its core portfolio also includes direct financing lines such as Línea Aquisgrán, Confirming, Póliza de Crédito, Línea Escudo Liquidez, and ICRef Anticipos Respuesta, all processed via the CONAVALSI online platform.
Product overview
Avalam is a Sociedad de Garantía Recíproca (Mutual Guarantee Company) that provides a comprehensive suite of financial guarantee products and financing solutions for SMEs and self-employed in the Region of Murcia. The core offering consists of Financial Guarantees (Avales Financieros) and Technical Guarantees (Avales Técnicos), supported by an online platform called CONAVALSI for applications and management. The portfolio includes specialized financing lines such as Línea Aquisgrán (direct financing without bank intermediary), Confirming, Credit Policies, and the Línea Escudo Liquidez. Auxiliary services include real estate sales with fiscal benefits and tax advantage programs that reduce property acquisition costs. The company partners with public organisms (INFO, ICREF, Reindus, CDTI) and financial institutions to improve access to credit for viable projects that lack sufficient guarantees.
Differentiator
Problem solved
Functional benefit
Products and services
- Avales Financieros (Financial Guarantees) Financial guarantee products that improve financing conditions for SMEs and self-employed through agreements with financial institutions and public organisms such as INFO, ICREF, Reindus, and CDTI.
- Avales Técnicos (Technical Guarantees) Technical guarantees including provisional and definitive bonds, environmental, transport, security, construction guarantees, and advance payment of subsidies. Available within 24 hours for public and private tenders.
- Línea Aquisgrán (Direct Financing Line) Direct financing line with fixed interest rate, without financial institution intermediary, with express processing. Compliant requirements may qualify for interest rate bonuses.
- Confirming Supply chain financing product that allows SMEs to double their credit line amount with the same entity, with terms up to 3 years.
- Póliza de Crédito (Credit Policy) Credit line product enabling SMEs and self-employed to duplicate their line amount with the same entity and office, with terms up to 3 years.
- Línea Escudo Liquidez Tipo Fijo Fixed-rate liquidity shield line with no commissions, designed to provide financial stability for SMEs.
- ICRef Anticipos Respuesta Advance financing product through ICREF (Instituto de Crédito y Finanzas de la Región de Murcia) with rapid response processing.
- Venta de Inmuebles (Real Estate Sales) Sale of industrial warehouses, commercial premises, and rural land with exclusive fiscal benefits for business use, including ITP reduction from 7.75% to 1% and AJD reduction from 1.5% to 0.1%.
Quantifiable outcome
- ITP reduced from 7.75% to 1% for property acquisitions
- +2 more outcomes
Companies that use Avalam
Customer profileNamed customers22 records
Segments2 records
Ideal customer profiles2 records
Avalam technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Avalam partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- INFO (Instituto de Fomento de la Región de Murcia)corePublic development institute providing financing programs and support for regional SMEs. Works with Aválam on various financing lines and subsidy programs for businesses in the Region of Murcia.
- CDTI (Centro para el Desarrollo Tecnológico Industrial)coreNational agency supporting R&D+i projects. Aválam provides guarantees enabling access to CDTI financing for technological innovation projects.
- ReinduscoreNational program for industrial reconversion and reindustrialization. Provides financing lines accessible through Aválam guarantees.
- CaixaBankcoreOne of the major partner banks with convention agreements for providing financing to Aválam-supported SMEs.
- Banco SantandercoreMajor Spanish bank operating as partner for financing operations backed by Aválam guarantees.
- BBVAcorePartner bank with convention agreements for SME financing through Aválam guarantees.
- CajamarcoreCooperativ bank with extensive presence in the Region of Murcia, working with Aválam on SME financing.
- CROEM (Confederación Regional de Organizaciones Empresariales de Murcia)coreRegional employers' confederation that co-founded Aválam and participates in governance through the Board of Directors and Nomination Committee.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Avalam competitors and assessment
Company assessmentBroad incumbents
- European Investment Fund (EIF): EU-level counter-guarantor and SME financing facilitator; provides counter-guarantees to Spanish SGRs (including indirectly through CERSA) and represents the upstream, systemic equivalent of Aválam's guarantee function at a pan-European scale.
- ENISA: National public SME financing entity attached to the Spanish Ministry of Industry; provides participative loans and guarantees to SMEs and entrepreneurs, functioning as a broader, federally-backed peer to Aválam's regional guarantee model.
- Instituto de Crédito Oficial (ICO): Spain's national state-owned development bank; provides SME and autónomo financing lines (often distributed through partner banks) at a national scale, overlapping with Aválam's intermediary role but at a much broader, systemic level.
Direct peers
- Avalsur (SGR Andalucía): Andalusian regional SGR; comparable mutual guarantee society serving SMEs in another Spanish autonomía, with similar product set and partner bank network.
- Iberaval: SGR serving SMEs in Castilla y León; structurally identical to Aválam — mutual guarantee society under Law 1/94, partner-bank distribution, public-private shareholders, and similar product portfolio (financial + technical guarantees).
- Elkargi: Spanish mutual guarantee society (SGR) serving SMEs in the Basque Country; the largest SGR in Spain and the most direct comparable to Aválam in terms of mutual guarantee model, SME focus, and CERSA-backed operations.
- SOGARCA (Aragón SGR): Aragonese regional SGR offering financial guarantees to SMEs and autónomos; operates under the same Spanish SGR framework (Law 1/94) and CERSA counter-guarantee regime as Aválam.
- Avalmadrid: Madrid regional SGR serving SMEs and self-employed with financial/technical guarantees; same SGR legal framework, same target customer profile, and same bank-distributed guarantee model as Aválam.
- ISBA (SGR Illes Balears): Balearic Islands SGR offering guarantees and financing lines to regional SMEs; directly comparable regional mutual guarantee society with analogous products and bank partnership model.
- Avalis (SGR Catalunya): Catalan SGR providing financial guarantees and direct financing to SMEs and autónomos; operates the same guarantee society model with public shareholder structure, making it a close functional peer to Aválam.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Avalam social profiles
Digital presenceAvalam compliance and trust
Trust signalCompliance2 records
Avalam financial estimates
Financial estimateRevenue estimate
Valuation estimate
Avalam leadership team
Management profileNumber of profiles
Profiles2 records
Avalam funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Avalam 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 Avalam
What does Avalam do?
Aválam is a Sociedad de Garantía Recíproca (mutual guarantee society) that issues financial guarantees (Avales Financieros) and technical guarantees (Avales Técnicos) to help SMEs and self-employed professionals in the Region of Murcia access bank financing and participate in public/private tenders. Its core portfolio also includes direct financing lines such as Línea Aquisgrán, Confirming, Póliza de Crédito, Línea Escudo Liquidez, and ICRef Anticipos Respuesta, all processed via the CONAVALSI online platform.
Is Avalam a public or private company?
Avalam is a private company. It is classified as management employee owned and is currently operating.
When was Avalam founded?
Avalam was founded in 1981. It employs 11 to 50 people.
Where is Avalam based?
Avalam is headquartered in Murcia, Spain, in the Europe region.
How does Avalam make money?
Two revenue lines are on record. Guarantee Fees are the primary driver. The others are membership Contributions.
Who are Avalam's main competitors?
Broad incumbents on record are European Investment Fund (EIF), ENISA and Instituto de Crédito Oficial (ICO). Direct peers are Avalsur (SGR Andalucía), Iberaval, Elkargi, SOGARCA (Aragón SGR), Avalmadrid, ISBA (SGR Illes Balears) and Avalis (SGR Catalunya).
Does Avalam have an API?
No public API is recorded for Avalam.
What industry is Avalam in?
Avalam's product category is Mutual Guarantee Society / SME Credit Guarantee Services. Its primary akta.pro industry code is FSAKAGAI, SBA/Government-Backed & Development Finance Loans, with a secondary code of FSAEAEAI, SBA/USDA Government-Backed Loan Intermediation. Its NAICS code is 52231 and its SIC code is 6153.