Ceiba
Ceiba Hipotecaria is a Madrid-based, privately held Spanish specialty finance firm that manages mortgage-backed investments and originates alternative real estate financing for borrowers and high-net-worth investors through Bank of Spain-registered entities.
- Company typePrivate
- Founded2013
- HeadquartersMadrid, Spain
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Ceiba does
Ceiba Hipotecaria, S.L. (Grupo Ceiba) is a privately held Spanish specialty finance firm founded in Madrid in 2013 by Juan Cervera, Pedro Echanove, and José Manuel Lozano. The company manages mortgage-backed investment capital for high-net-worth investors and originates alternative mortgage financing for borrowers who cannot or do not wish to access traditional bank credit. Ceiba reports +70M€ of deployed capital in 2023, +195M€ of cumulative invested volume, 750+ formalized operations, and an 11.8% average historical investor return, with its flagship consolidated vehicle Riscaldos S.L. delivering 10.40% in 2023.
Ceiba offers four core financing products, all backed by real estate collateral: bridge loans, project funding, debt restructuring, and real estate operations financing. Alternative financing is channeled exclusively through entities registered with the Bank of Spain under the Ley de Contratos de Crédito Inmobiliario (LCCI), with Ceiba providing the management and administrative functions. The firm operates an investor portal (intranet.grupoceiba.es) and a broker/intermediary referral network to source borrowers and investors across Spain, and is GDPR compliant.
The business model is asset management and origination: Ceiba collects management and performance-related fees on capital deployed in mortgage-backed instruments, with pricing on the lending side determined by borrower profile, guarantee quality, and loan-to-value ratio. The firm is led by CEO Ignacio Osorio, appointed in April 2024, and maintains a co-investment relationship with Avaza Capital. Ceiba does not disclose company-level revenue and operates entirely within Spain.
Ceiba firmographics
Firmographics- Name
- Ceiba
- Legal name
- Ceiba Hipotecaria, S.L.
- Website
- https://grupoceiba.es
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Ceiba Hipotecaria is a Madrid-based, privately held Spanish specialty finance firm that manages mortgage-backed investments and originates alternative real estate financing for borrowers and high-net-worth investors through Bank of Spain-registered entities.
- Ownership category
- akta.pro rank
Ceiba industry classification
Industry- Product category
- Mortgage Investment Management
- NAICS
- Real Estate Credit (522292), Nondepository Credit Intermediation (5222), Portfolio Management and Investment Advice (523940)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Real Estate Private Credit (CRE Debt) (FSANADAG)
- akta.pro secondary industries
- Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO) (FSAHAIAB), SME Commercial Real Estate (CRE) Lending (FSABABAG)
Keywords
Where Ceiba is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Ceiba business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Mortgage Investment Management: Ceiba generates revenue by managing capital for mortgage investments, placing investor funds in real asset-backed debt instruments including bridge loans, project funding, debt restructuring, and real estate operations. The firm collects management fees and performance-related returns for investors.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Risk-based pricing model |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Ceiba product offering
Product offeringCore offering
Ceiba Hipotecaria is a specialized mortgage investment management firm that manages investor capital and channels it into real asset-backed debt, including bridge loans, project funding, debt restructuring, and real estate operations financing. The firm operates its flagship investment vehicle Riscaldos S.L., which delivers double-digit historical returns to investors, while providing agile alternative financing to borrowers underserved by traditional banks. Alternative financing is executed exclusively through entities registered with the Bank of Spain, with Ceiba administering the full process from study through final repayment.
Product overview
Ceiba Hipotecaria operates as a specialized mortgage investment management firm offering alternative financing solutions backed by real assets. The company provides a unified platform of four core financing products: Bridge Loans, Project Funding, Debt Restructuring, and Real Estate Operations. Additionally, Ceiba manages Riscaldos S.L., an investment vehicle launched in 2013 and consolidated in 2023, which offers investors diversified exposure to private debt with returns exceeding 10%. The alternative financing is channeled through entities registered with the Bank of Spain, with Ceiba handling the administrative and management functions.
Differentiator
Problem solved
Functional benefit
Products and services
- Préstamos Puente (Bridge Loans) Short-term agile financing with repayment applied primarily in the real estate sector, designed for borrowers who need rapid approval and flexible terms. Targeted at companies and individuals seeking bridge financing that traditional banks cannot deliver quickly.
- Financiación de Proyectos (Project Funding) Liquidity provision for developing or finalizing business projects with significant profitability expectations. Targeted at business owners and project developers needing capital to execute ventures that banks have declined or delayed.
- Reestructuración de Deuda (Debt Restructuring) Debt cancellation services designed to safeguard clients' real estate assets and financial stability. Targeted at borrowers seeking to restructure or extinguish existing debt secured against real estate to preserve their property holdings.
- Operaciones Inmobiliarias (Real Estate Operations Financing) Financing for real estate transactions positioned as a more economical and efficient alternative to capitalizing projects through associative models. Targeted at real estate developers and operators needing flexible, asset-backed funding for property transactions.
- Riscaldos S.L. (Flagship Investment Vehicle) Flagship investment vehicle managing a diversified portfolio of mortgage-backed investments on behalf of investors, achieving 10.40% returns in 2023. Targeted at high-net-worth investors seeking double-digit returns through real asset-backed private debt exposure with short-to-medium term horizons.
Quantifiable outcome
- 11.8% average historical profitability for investors
- +3 more outcomes
Companies that use Ceiba
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Ceiba technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Ceiba partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights4 records
Ceiba competitors and assessment
Company assessmentBroad incumbents
- Funding Circle: Established European P2P/SME lending platform. Comparable marketplace credit-intermediation model, though at much larger scale and with broader European reach than Ceiba.
- Younited Credit: Pan-European consumer-credit marketplace. Comparable as a broader incumbent alternative lender with similar intermediation ethos, though consumer rather than mortgage-focused.
- WiZink: Specialized Spanish/Portuguese consumer-finance and credit-card provider. Comparable as a broader Iberian private-credit operator, though consumer-credit focused rather than mortgage-investment.
Regional players
- LendInvest: UK-based mortgage investment platform serving investors with property-backed loans. Closely comparable business model (private mortgage credit for investors) but operates in the UK rather than Spain.
Direct peers
- Brickstarter: Spanish real-estate crowdfunding and investment platform. Similar in targeting investors seeking real-asset-backed Spanish opportunities, with comparable intermediation model.
- Housers: Spanish real-estate investment and crowdfunding platform. Comparable in serving HNW/investor demand for Spanish real-asset-backed returns, though with a stronger crowdfunding marketplace tilt.
- Privalore: Spanish investment platform aggregating alternative lending and real-estate opportunities. Directly comparable in connecting investors with mortgage/credit assets in Spain.
- Arboribus: Spanish marketplace lending platform connecting investors with SME loans. Highly comparable to Ceiba in geography, investor/broker model, and private-credit intermediation focus.
Emerging players
- Grow.ly: European P2P lending platform connecting investors with SME loans. Comparable marketplace private-credit intermediation model, though broader European rather than Spain-specific.
- Iwoca: European fintech providing flexible credit to SMEs rejected or underserved by banks. Comparable alternative-credit thesis to Ceiba, though UK/Germany-focused and SME rather than real-estate.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Ceiba social profiles
Digital presenceCeiba compliance and trust
Trust signalCompliance1 record
Ceiba financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ceiba leadership team
Management profileNumber of profiles
Profiles5 records
Ceiba funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ceiba 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 Ceiba
What does Ceiba do?
Ceiba Hipotecaria is a specialized mortgage investment management firm that manages investor capital and channels it into real asset-backed debt, including bridge loans, project funding, debt restructuring, and real estate operations financing. The firm operates its flagship investment vehicle Riscaldos S.L., which delivers double-digit historical returns to investors, while providing agile alternative financing to borrowers underserved by traditional banks. Alternative financing is executed exclusively through entities registered with the Bank of Spain, with Ceiba administering the full process from study through final repayment.
Is Ceiba a public or private company?
Ceiba is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Ceiba founded?
Ceiba was founded in 2013. It employs 11 to 50 people.
Where is Ceiba based?
Ceiba is headquartered in Madrid, Spain, in the Europe region.
How does Ceiba make money?
One revenue line is on record: mortgage Investment Management.
Who are Ceiba's main competitors?
Broad incumbents on record are Funding Circle, Younited Credit and WiZink. LendInvest is listed as a regional player. Direct peers are Brickstarter, Housers, Privalore and Arboribus. Emerging players are Grow.ly and Iwoca.
Does Ceiba have an API?
No public API is recorded for Ceiba.
What industry is Ceiba in?
Ceiba's product category is Mortgage Investment Management. Its primary akta.pro industry code is FSANADAG, Real Estate Private Credit (CRE Debt), with a secondary code of FSAHAIAB, Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO). Its NAICS code is 522292 and its SIC code is 6162.