What Bstartup Banco Sabadell does

Bstartup Banco Sabadell is the specialized banking and seed-investment division of Banco de Sabadell, S.A. (an Ibex 35-listed Spanish bank headquartered in Sabadell, Barcelona). Founded in 2014 as one of Spain's most active seed capital vehicles under the BStartup10 program, the unit provides tailored financial services and equity capital to Spanish startups, scaleups, and the investors that fund them. Its banking offering encompasses specialized accounts, payment processing via Paycomet, Tarjeta Marketing BStartup, Rent-Tech equipment financing, Crediglobal working-capital lines, and Préstamo IVA Media4Equity VAT financing, delivered through 23 specialized offices nationwide and anchored by two flagship hubs in Barcelona (1,000+ m², 15 staff) and Madrid (600+ m², 12 staff).

The investment side deploys €100K–€200K initial equity tickets per company from the evergreen BStartup10 vehicle, with follow-on capacity of up to €2M per company through the affiliated Sabadell Venture Capital. The unit operates two dedicated verticals — BStartup Health (health-tech, 19 portfolio companies) and BStartup Green (climate-tech, 9 portfolio companies) — and has completed more than 100 equity investments with a reported 83% survival rate and 15 exits to date, including Red Points, Signaturit, and Exoticca. Co-investment relationships span Asabys Partners, Ysios Capital, Inveready, Inclimo, EASO Ventures, Successful Fund, InnoEnergy, Axel Carbon Capital, and others.

BStartup monetizes through a combination of traditional banking fee and interest income (5,700+ startup clients), transaction fees on specialized products, equity returns from portfolio exits, and ecosystem-driven deal-flow advantages (main sponsorship of South Summit Madrid and 4YFN Barcelona). Customer segments span seed-stage startups, scaleups, and the VC/angel investor base, with a hybrid segmentation approach combining size-tier, vertical, and business-unit lenses.

Name

Bstartup Banco Sabadell

Legal name

Banco de Sabadell, S.A.

Website

https://bstartup.bancsabadell.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Bstartup Banco Sabadell is the specialized banking and seed-investment division of Banco Sabadell, providing tailored financial services and BStartup10 equity tickets (€100K–€200K) to Spanish startups, scaleups, and investors through 23 offices and flagship hubs in Barcelona and Madrid.

Ownership category

akta.pro rank

Product category

Startup and SME Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

National Commercial Banks (6021), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Neobank Core Platform (Retail/SME Digital Bank) (FSAGAAAA)

akta.pro secondary industries

Treasury, Cash Management & Liquidity (SME) (FSAGAJAG), Tax Compliance, Filing & VAT/GST Automation (SME) (FSAGAJAJ), BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

Keywords

• Startup banking services
• Seed equity investment
• Venture capital
• Payment processing
• Corporate banking

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices20 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Banking Services Revenue: Traditional banking services including account management, payment processing through Paycomet, credit facilities, and loan products tailored for startups and scaleups at various growth stages.
2. Equity Investment Returns: BStartup10 invests equity in early-stage startups in exchange for ownership stakes. Returns generated through portfolio company exits, follow-on investments, and value appreciation. They have achieved 83% survival rate among invested startups with notable exits including Red Points, Signaturit, and Exoticca.
3. Specialized Financial Products: Specialized products including Tarjeta Marketing BStartup for online vendor payments, Rent-Tech BStartup for equipment financing, Crediglobal for working capital, and Préstamo IVA Media4Equity for VAT financing of media investments.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

BStartup is Banco Sabadell's specialized banking division serving innovative, digital and technology startups and scaleups across Spain. It delivers a full suite of banking services (accounts, payment processing, credit facilities, equipment financing, marketing cards) through dedicated startup managers, and complements those services with the BStartup10 seed equity investment program (up to €200K per project) plus follow-on capacity of up to €2M through Sabadell Venture Capital. Two vertical programs, BStartup Health and BStartup Green, focus investment on healthtech and climate/sustainability startups respectively.

Product overview

BStartup is Banco Sabadell's specialized banking service for innovative, technological, and digital companies. The offering consists of specialized banking services (accounts, cards, financing) provided through dedicated offices and managers, combined with BStartup10 equity investment program investing up to €200,000 per startup. The portfolio also includes two vertical programs: BStartup Health for health sector startups and BStartup Green for sustainability-focused companies. Financial products include Paycomet payment platform, marketing cards, financing solutions, Crediglobal credit facilities, and Rent-Tech equipment financing.

Differentiator

Problem solved

Functional benefit

Brands

• BStartup Health: Specialized investment vertical focused on health startups in pre-seed and seed phases, covering Medical Devices, Diagnostics, Therapeutics & Drugs, and e-Health sectors.
• BStartup Green

Products and services

• BStartup Banking Services
• BStartup10 Equity Investment
• BStartup Health
• BStartup Green
• Paycomet Payment Platform
• Tarjeta Marketing BStartup
• Financiación BStartup
• Crediglobal
• Préstamo IVA Media4Equity
• Rent-Tech BStartup

Quantifiable outcome

• 83% survival rate among invested startups
• +2 more outcomes

Named customers17 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• South SummitcoreGTM or Marketing PartnerMain sponsor of South Summit Madrid startup competition and ecosystem event. BStartup hosts panels, provides advisory services at stand, and showcases portfolio companies.
• 4YFN (Four Years From Now)coreGTM or Marketing PartnerMain Partner/Sponsor of 4YFN Barcelona, the startup-focused track at Mobile World Congress. Primary channel for startup ecosystem visibility.

Scale indicators12 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Enisa: Spanish state-owned company providing participative loans and financing to SMEs and startups. Comparable as a Spanish public finance provider for early-stage companies but with a debt-only model rather than BStartup's equity-plus-banking approach.
• ICO (Instituto de Crédito Oficial): Spain's national promotional bank providing financing lines, guarantees, and investment vehicles for Spanish SMEs and startups. Operates at significantly larger scale than BStartup and serves overlapping customer segments with credit-led (rather than equity-led) solutions.

Emerging players

• Ship2B Ventures: Spanish impact investment fund focused on startups addressing social and environmental challenges, with overlapping participation in BStartup Health and BStartup Green portfolio companies. A thematic peer for the sustainable/impact segment of BStartup's vertical strategy.
• Lanzadera: Spanish startup accelerator (backed by Juan Roig / Marina de Empresas) providing mentorship, workspace, and seed financing to early-stage Spanish entrepreneurs. Operates in the same Spanish seed-stage startup ecosystem but with an accelerator rather than bank-led model.

Direct peers

• Antai Ventures: Spanish early-stage venture capital firm focused on consumer-internet and digital startups, often co-investing alongside BStartup in seed rounds. Comparable as a Spain-based seed investor targeting similar sectors (foodtech, e-commerce, marketplaces) with similar ticket sizes.
• Wayra (Telefónica Open Innovation): Telefónica's global corporate venture arm and startup accelerator investing in early-stage digital and tech companies, with significant operations in Spain. Comparable to BStartup as another Spanish-headquartered corporate venture program combining investment with ecosystem access.
• Bankinter Programa Startups: Bankinter's specialized offering for startups and scaleups, providing dedicated banking services and investment vehicles targeting Spanish early-stage tech companies. A direct competitor within the Spanish bank-led startup program category.
• BBVA Spark: BBVA's startup-focused banking and investment program combining specialized banking services with equity investment in early-stage Spanish companies. Directly comparable to BStartup as the most prominent rival Spanish bank startup program targeting the same seed-stage segment with a similar banking-plus-investment model.
• JME Ventures: Spanish venture capital fund investing in early-stage technology companies, founded by entrepreneurs and active in the same Spanish seed ecosystem as BStartup. Comparable deal sizes and sector focus make it a direct co-investment peer.
• CaixaBank DayOne: CaixaBank's specialized banking service for startups and scale-ups, offering dedicated banking products and an investment vehicle for early-stage Spanish tech companies. A direct competitor targeting the same customer segment with comparable banking services and equity investing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights1 record

Customer concentration

• Xx.com/BStartup
• LinkedInes.linkedin.com/company/banco-sabadell
• Instagraminstagram.com/bancosabadell

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments12 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bstartup Banco Sabadell