Colectual
Coceptual is a CNMV-authorized Spanish crowdlending (P2B lending) platform that connects retail and professional investors with SMEs seeking short- and medium-term financing, operating under EU Regulation 2020/1503 with more than 7,000 registered investors and €30M+ financed.
- Company typePrivate
- Founded2015
- HeadquartersValencia, Spain
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
Colectual firmographics
Firmographics- Name
- Colectual
- Legal name
- Sociedad Económica para el Desarrollo de la Financiación Alternativa Colectual, PSFP, SL
- Website
- https://colectual.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Coceptual is a CNMV-authorized Spanish crowdlending (P2B lending) platform that connects retail and professional investors with SMEs seeking short- and medium-term financing, operating under EU Regulation 2020/1503 with more than 7,000 registered investors and €30M+ financed.
- Ownership category
- akta.pro rank
Colectual industry classification
Industry- Product category
- Peer-to-Business Lending
- NAICS
- Activities Related to Credit Intermediation (5223), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)
- akta.pro secondary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where Colectual is headquartered
LocationHeadquarters
- HQ city
- Valencia
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Colectual business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Account Administration Fee (Investors): 1% annual fee on outstanding loan balance at the start of each settlement period. Only charged when the installment is collected from the promoter.
- Project Reception and Analysis (Promoters): Up to 2.25% of the requested project amount for documentation reception, selection, analysis and evaluation services.
- Project Publication Support (Promoters): Up to 2.25% of requested project amount for guidance and support for publishing admitted financing projects.
- Operation Formalization (Promoters): €250 fixed fee for subscription of contracts between promoter and investors, formalization tasks and operation follow-up.
- Receipt Issuance (Promoters): 0.20% of receipt amount with minimum €1 for coverage of operational expenses in periodic receipt issuance.
- Portfolio Management: 1% annual fee on invested balance in portfolio, accrued quarterly for investment mandate management.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard Investment - Projects with 3.3% to 7.5% TAE returns |
| Subscription | Monthly | Investor Account Administration |
| Transaction based/ take rate | Pay-as-you-go | Promoter Project Fees |
| Outcome Based/ Performance | Pay-as-you-go | Recovery Services |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Colectual product offering
Product offeringCore offering
Colectual is a CNMV-authorized Spanish crowdlending platform that connects retail and professional investors with SMEs seeking alternative financing. It originates, structures, and lists multiple loan products — including standard business loans, SGR-guaranteed loans, working capital financing, invoice-backed financing, and bespoke financings — for funding by its registered investor base. The platform earns revenue primarily through origination and servicing fees on the funded transactions.
Product overview
Colectual operates a single unified platform — the Colectual Crowdlending Platform — for peer-to-business (P2B) lending, authorized by the CNMV as a European Participatory Financing Services Provider (PSFP) under EU Regulation 2020/1503. The platform enables retail and professional investors to fund SME loans originated and risk-assessed by Colectual's team. Five distinct financing products are offered through the platform: (1) Standard Préstamos (term loans up to 24 months), (2) Préstamos Garantizados con Aval SGR (SGR-backed loans up to 48 months), (3) Financiaciones de Circulante (short-term working capital, under 6 months), (4) Financiaciones Respaldadas por Facturas Verificadas (invoice-backed short-term), and (5) Financiaciones Singulares a Medida (custom structured facilities). The platform also absorbed and continues managing the Socilen portfolio under a legal continuity mechanism. A free downloadable Guía del Crowdlending en España is available via newsletter subscription as an educational resource.
Differentiator
Problem solved
Functional benefit
Products and services
- Préstamos a Empresas (Standard Business Loans) Unsecured short- to medium-term business loans funded by retail and professional investors on the Colectual platform; targeted at SMEs that need working capital or growth financing.
- Préstamos Garantizados con Aval SGR (SGR-Guaranteed Loans) Business loans whose credit risk is partially guaranteed by a Sociedad de Garantía Recíproca (SGR), giving investors an additional layer of protection and lowering effective risk for SME borrowers.
- Financiaciones de Circulante (Working Capital Financing) Short-term financing aimed at covering day-to-day operational cash needs of SMEs, funded by platform investors.
- Financiaciones Respaldadas por Facturas Verificadas (Invoice-Backed Financing) Financing secured against verified receivables/invoices, allowing SMEs to accelerate cash collection while giving investors asset-backed exposure.
- Financiaciones Singulares a Medida (Bespoke / Custom Financing) Tailor-made financing structures for individual SMEs with specific needs that do not fit the standard product catalogue; structured and listed on a case-by-case basis.
- Socilen Portfolio Management Ongoing management and servicing of a legacy loan portfolio originally originated by Socilen, integrated into the Colectual platform for investor reporting and recovery.
- Plataforma de Inversión Colectual (Investor Platform) Self-service online environment where retail investors register, KYC, browse live loan opportunities, build diversified portfolios, and track returns; a dedicated service tier is available for professional/institutional investors.
Quantifiable outcome
- Average return of 6.8% TAE for investors
- +4 more outcomes
Companies that use Colectual
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles4 records
Colectual technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
Colectual partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor and core.
- Socilen PFP S.L.minorContinuity mechanism after Socilen was deregistered from CNMV (November 13, 2023). Colectual administers Socilen's outstanding loans until maturity, handling collections and distributions to Socilen investors.
- Lemonway SAScorePayment institution authorized by Banco de España for payment services. Licensed by ACPR of Bank of France (December 24, 2012). Handles all fund transfers for platform users, opening individual accounts for each client. Ensures no platform access to funds.
- AxesorcoreFirst Spanish rating agency recognized by ESMA (European Securities and Markets Authority). Provides credit ratings for SMEs seeking financing on the platform.
- Auren AuditorescoreIndependent external auditor as required by law. Part of international network with presence in 50+ countries. Member of Forum of Firms (IFAC) ensuring highest quality standards.
- CNMV (Comisión Nacional del Mercado de Valores)coreSpanish securities market regulator. Authorizes and supervises Colectual as PSFP provider registered under number 21. Operates under EU Regulation 2020/1503.
- Banco de EspañacoreSpanish central bank. Required to issue favorable report before CNMV authorization. Supervises payment services through Lemonway SAS.
- AEPD (Agencia Española de Protección de Datos)minorSpanish data protection authority. Ensures compliance with GDPR and data privacy regulations.
Scale indicators11 records
Recent moves6 records
Expansion highlights5 records
Colectual competitors and assessment
Company assessmentDirect peers
- Auxmoney: German P2P lending marketplace focused on SME and consumer credit, regulated under EU crowdfunding rules, comparable as a European peer in the marketplace lending space.
- Housers: Spanish crowdfunding site, formerly focused on real estate and now also on SME lending, sharing the same Spanish retail-investor channel and CNMV-regulated PSFP status as Coceptual.
- MyTripleA: Spanish crowdlending platform for SME financing, directly competing in the same Spanish market with a similar peer-to-business lending model, retail and professional investor base, and CNMV PSFP authorization.
- Mintos: Latvia-based global P2P lending marketplace offering diversified loan investments across multiple originators and geographies, competing for European retail investor attention that Coceptual targets.
- Funding Circle: UK-origin SMB lending platform that connects institutional and retail capital with SME borrowers, sharing the marketplace model for SME loan origination that Coceptual operates at smaller scale in Spain.
- Younited Credit: European consumer/SME credit platform operating under EU Regulation 2020/1503 across multiple markets, comparable as a regulated continental European crowdlending marketplace with both retail and institutional investor products.
- October: European crowdlending platform (formerly Lendix) providing SME loans across France, Italy, Spain, Germany, and the Netherlands, competing head-to-head with Coceptual in Spanish SME lending under the same EU Regulation 2020/1503 framework.
- Fellow Finance: Finnish/Nordic P2B lending platform operating across Europe, sharing the peer-to-business marketplace model and competing for European retail and institutional investor flows under EU Regulation 2020/1503.
Regional players
- Bolero Crowdfunding: Belgian PSFP platform providing equity and lending-based crowdfunding to Belgian SMEs, comparable to Coceptual as an EU-authorized PSFP under Regulation 2020/1503 but primarily serving a different national market.
Broad incumbents
- Seedrs: UK/EU equity and lending crowdfunding platform for SMEs and startups, comparable as a regulated EU PSFP competitor but more skewed to equity rather than pure debt lending.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Colectual social profiles
Digital presenceColectual compliance and trust
Trust signalCompliance3 records
Colectual financial estimates
Financial estimateRevenue estimate
Valuation estimate
Colectual leadership team
Management profileNumber of profiles
Profiles7 records
Colectual funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Colectual 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 Colectual
What does Colectual do?
Colectual is a CNMV-authorized Spanish crowdlending platform that connects retail and professional investors with SMEs seeking alternative financing. It originates, structures, and lists multiple loan products — including standard business loans, SGR-guaranteed loans, working capital financing, invoice-backed financing, and bespoke financings — for funding by its registered investor base. The platform earns revenue primarily through origination and servicing fees on the funded transactions.
Is Colectual a public or private company?
Colectual is a private company. It is classified as management employee owned and is currently operating.
When was Colectual founded?
Colectual was founded in 2015. It employs 11 to 50 people.
Where is Colectual based?
Colectual is headquartered in Valencia, Spain, in the Europe region.
How does Colectual make money?
Six revenue lines are on record. Account Administration Fee (Investors) is the primary driver. The others are project Reception and Analysis (Promoters), project Publication Support (Promoters), operation Formalization (Promoters), receipt Issuance (Promoters) and portfolio Management.
Who are Colectual's main competitors?
Direct peers on record are Auxmoney, Housers, MyTripleA, Mintos, Funding Circle, Younited Credit, October and Fellow Finance. Bolero Crowdfunding is listed as a regional player. Seedrs is listed as a broad incumbent.
Does Colectual have an API?
No public API is recorded for Colectual.
What industry is Colectual in?
Colectual's product category is Peer-to-Business Lending. Its primary akta.pro industry code is FSAKAKAJ, Credit Education, Monitoring & Consumer Credit Management Tools, with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 5223 and its SIC code is 6163.