Kreditiweb

What Kreditiweb does

Kreditiweb, operated by FINANSI GROUP, S.L. (CIF B-66240672) and headquartered in Valencia, Spain, is an online financial intermediation platform founded in 2011 that connects consumers with partner financial institutions, insurance providers, energy companies, security-alarm firms, and telecommunications operators. The platform operates across Spain, Italy, Mexico, Germany, and France, structured through regional subsidiaries and brands (KOVA FINANCE, S.L. for Italy under OAM mediator registration E020; KOVAFINANSI AMERICAS CORPORATIVE, S.A. de C.V. for Mexico; Kredanta for Germany). Over 14 years the platform states it has assisted more than 200,000 users via a 100% online self-serve model in which consumers complete a sub-two-minute profile questionnaire and receive personalized, pre-approved offers matched against partner eligibility.

The core product mix centers on credit intermediation — personal loans (€2,000-€500,000, 12 months to 20 years, TAE 3%-30%), microcredits (€50-€1,000, 5-60 days, TAE 3%-4,472.55%), debt consolidation, and Spain-specific Ley Segunda Oportunidad (Second Chance Law) assistance — supported by add-on comparison modules for credit cards (limits up to €10,000), bank accounts, mortgages, insurance (health, auto, home, life, pet), energy (electricity, gas, solar), security alarms, and internet/telephony bundles. Country-specific product sets include Italian prestiti (€2,000-€75,000, 61 days to 84 months), cessione del quinto, and consolidamento debiti, plus Mexican refinancier products. Technology is built on AWS cloud infrastructure with servers located within the European Economic Area for GDPR compliance, with localized domains (.com/es, .com/it, .com/mx, .com/de, .com/fr) carrying country-specific content and partnership disclosures.

The business operates a pure affiliate/lead-generation revenue model: the service is free for end users, with revenue generated through commissions paid by partner lenders, insurers, energy providers, and telcos when users are connected or successfully converted. Customer acquisition is dominated by organic search across an extensive SEO-optimized comparison and guide library, an external affiliate program with tracked links, content marketing, and email remarketing. The company claims operational presence in 25 countries across 5 continents but discloses no headcount, revenue, funding rounds, or institutional investors, indicating a bootstrapped, founder-managed business concentrated on Spanish-speaking and select European markets.

Name

Kreditiweb

Legal name

FINANSI GROUP, S.L.

Website

https://kreditiweb.com

Company type

Private

Founded year

2011

Operating status

Operating

Short description

Kreditiweb (FINANSI GROUP, S.L.) is a Valencia-based online financial intermediation platform that connects consumers in Spain, Italy, Mexico, Germany, and France with partner lenders, insurers, energy, and telecom providers via a free, commission-based matching service.

Ownership category

akta.pro rank

Product category

Financial Comparison and Lead Generation Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

P2P Loan Syndication & Participation Platforms (FSAKAHAL)

Keywords

• Financial product comparison
• Loan intermediation
• Debt consolidation services
• Credit comparison platform
• Lead generation affiliate

Headquarters

HQ city

Valencia

HQ country

Spain

HQ region

Europe

Offices8 records

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Commission-based Lead Generation: Kreditiweb provides a free service to users and earns commissions from financial institutions and service providers when users are connected or converted. The company receives referral fees from partner companies in the financial, insurance, energy, and telecommunications sectors.
2. Financial Product Intermediation: Operates with numerous Spanish financial entities, advising users on loans, mortgage credits, microcredits, and banking cards. Revenue generated through affiliate relationships with these financial partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Kreditiweb is a digital intermediation platform that compares and connects individual consumers with financial, insurance, energy, and telecommunications products from partner providers across Spain, Italy, Mexico, Germany, and France. Users complete a brief online profile (in under 2 minutes) and receive personalized, pre-qualified offers ranging from personal loans and microcredits to debt consolidation, mortgages, credit cards, insurance, and energy tariffs. The service is free for consumers, and Kreditiweb earns commissions from partner institutions for leads and conversions.

Product overview

Kreditiweb is a multi-service intermediation platform that connects users with financial and utility service providers. The core offering centers on loan products (personal loans, microcredits, mortgages) and debt management solutions (consolidation, Second Chance Law assistance), supported by add-on comparison services for credit cards, bank accounts, insurance, energy, and telecommunications. The platform operates across Spain, Italy, Mexico, and Germany, aggregating offerings from multiple affiliated financial institutions into a personalized comparison experience. Users complete an online profile questionnaire and receive matched recommendations from partner providers, with the platform earning revenue through affiliate commissions rather than direct lending.

Differentiator

Problem solved

Functional benefit

Products and services

• Préstamos (Loans) Comparison and intermediation of personal loans ranging from €2,000 to €500,000 with repayment periods of 12 months to 20 years, offered through affiliated Spanish financial entities. Includes online loans, loans with ASNEF (debt registry), secured loans with mortgage guarantee, and private capital loans.
• Microcréditos (Microcredits) Comparison of small-scale loans ranging from €50 to €1,000 with repayment periods of 5 to 60 days, TAE from 3% to 4,472.55%. Includes online microcredits, quick microcredits, microcredits with ASNEF, and interest-free microcredits.
• Reunificación de Deudas (Debt Consolidation) Debt consolidation service combining multiple debts into a single monthly payment, including consolidation with ASNEF, consolidation without property, and credit card debt consolidation. Served across Spanish cities including Madrid, Barcelona, Valencia, Sevilla, Bilbao, and Málaga.
• Ley Segunda Oportunidad (Second Chance Law) Legal debt cancellation service under Spain's Second Chance Law, helping individuals and businesses exonerate remaining debts. Includes requirements guidance, documentation support, and attorney referrals. Also available for ASNEF holders, autónomos, and empresas.
• Tarjetas de Crédito (Credit Cards) Credit card comparison and recommendation service including cards with instant approval, cards for ASNEF holders, cards without income requirements, and cards with easy approval, with a maximum limit of €10,000 and TAE 0% to 30%.
• Cuentas Bancarias (Bank Accounts) Current account comparison service including salary accounts and various banking products from partner institutions.
• Seguros (Insurance) Insurance comparison service including health insurance, car insurance, home insurance, life insurance, and pet insurance, connecting users with various partner insurance providers.
• Energía (Energy Services) Energy service comparison including electricity, gas, and solar panel services, helping users find optimal energy tariffs and providers.
• Hipotecas (Mortgages) Mortgage and home equity loan comparison service, including credit with mortgage guarantee for debt consolidation purposes.
• Alarmas (Security Systems) Security alarm system comparison service connecting users with home and business security system providers.
• Internet y Telefonía (Internet & Telephony) Telecommunications service comparison including internet, mobile plans, and combined packages with television services from partner providers.
• Refinanciación (Refinancing - Mexico) Debt refinancing services for Mexico including options to pay debts, loans for debt consolidation, and financial entities for debt reunification.
• Prestiti (Loans - Italy) Italian loan products including personal loans, business loans, loans for pensioners, quick online loans, and loans without income documentation. Amounts from €2,000 to €75,000 with repayment from 61 days to 84 months.
• Cessione del Quinto (Fifth Assignment - Italy) Italian loan product where repayments are deducted directly from the borrower's salary or pension, up to one-fifth of income. Available for employees and pensioners.
• Consolidamento Debiti (Debt Consolidation - Italy) Italian debt consolidation service combining multiple debts into a single manageable payment.
• Carte di Credito (Credit Cards - Italy) Italian credit card comparison including free credit cards and online credit cards from partner financial institutions.

Quantifiable outcome

• Response time of approximately 2 minutes for financial product recommendations
• +2 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Financial Institutions (Spanish Banks and Lenders)coreChannel Partner/ Reseller/ DistributorKreditiweb operates with numerous Spanish financial entities, offering loans, mortgage credits, microcredits, and banking cards. These partner institutions provide the actual financial products while Kreditiweb generates qualified leads.
• Insurance CompaniescoreChannel Partner/ Reseller/ DistributorPartnership with multiple prominent insurance companies offering health, auto, home, and life insurance products through the Kreditiweb platform.
• Energy ProviderscoreChannel Partner/ Reseller/ DistributorPartnership with electricity, gas, and solar panel providers enabling energy service comparison and switching for users.
• Telecommunications ProvidersminorChannel Partner/ Reseller/ DistributorPartnerships with internet and phone service providers offering bundled service packages through the platform.
• Amazon Web Services (AWS)coreTechnology or IntegrationKreditiweb utilizes AWS cloud infrastructure for data processing and storage. Servers are located within the European Economic Area for GDPR compliance.
• ING Conto AranciocoreChannel Partner/ Reseller/ DistributorItalian online banking product featured on Kreditiweb Italy platform offering current accounts with zero fees for eligible customers.
• Banca Mediolanum (Selfy)coreChannel Partner/ Reseller/ DistributorItalian digital banking product offered through Kreditiweb Italy platform, featuring zero-fee accounts for customers under 30 with included debit card.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bankimia: Spanish bank account and loan comparison platform offering consumer credit, mortgage, and account matching. Directly comparable as a Spanish online loan/banking product aggregator.
• Financer.com: Multi-country European financial product comparison platform (operating in Spain, Italy, and other markets). Comparable in cross-border expansion strategy and affiliate-based loan intermediation model.
• Kelisto: Spanish financial and household-services comparison platform comparing banking, insurance, energy, and telecoms products. Closely aligned with Kreditiweb's horizontal multi-service intermediation model in Spain.
• iAhorro: Spanish mortgage and personal-loan comparison and intermediation platform. Directly comparable in loan broker business model targeting Spanish consumers with affiliate revenue.
• HelpMyCash: Spain-headquartered financial product comparison platform offering loans, mortgages, bank accounts, and insurance comparison. Directly comparable as a Spanish online loan/intermediation aggregator with affiliate commission model.
• Rankia: Spanish financial community and comparison platform covering banking products, investment, and loans. Comparable as a Spain-based consumer-facing financial intermediation and lead-generation platform.
• CrediMarket: Spanish credit and loan comparison platform serving personal loans, mortgages, and debt consolidation. Closely aligned in product mix and Spanish-market intermediation focus.

Regional players

• Idealista: Leading Spanish vertical marketplace for real estate and mortgages, including mortgage intermediation and lead generation. Comparable as a high-traffic Spain-based comparison/intermediation platform with SEO-driven acquisition.

Broad incumbents

• BBVA: One of Spain's largest banks and a partner of Kreditiweb for lead generation. Operates competing direct digital lending and comparison capabilities at massive scale as part of broader retail banking.

Emerging players

• Creditea: Online consumer-credit platform active in Spain, Mexico, and other markets offering personal loans and credit lines. Partially overlapping as a digital consumer credit intermediary with cross-border presence similar to Kreditiweb.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/kreditiweb-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Kreditiweb