Premoney

What Premoney does

Premoney is a Barcelona-based financial consulting firm founded in 2016 that provides external CFO services and public financing management to Spanish startups and SMEs. Its core offerings include ENISA loan application management (participative loans of €25K–€1.5M), CDTI program administration (NEOTEC, LIC, PID), R&D tax deduction optimization, fundraising support for private investment rounds, and recurring external CFO retainers covering reporting, treasury, and financial strategy. The firm is led by CEO Alberto Hospital, who is also an active business angel with personal investments in several portfolio companies, and it reports managing 410+ financing processes, raising over €93M for clients, and achieving an 89% ENISA approval rate compared to a 33% market average for direct applicants. The company has no disclosed institutional funding, no subsidiaries, no patents, and no international operations outside Spain. The business is structured as a small (1–10 employees) boutique consultancy whose core "technology" is process expertise in navigating Spanish public funding programs, with a service portfolio that can be contracted standalone (e.g., ENISA only) or bundled, and pricing that combines success-based fees for ENISA/CDTI transactions with monthly retainers for ongoing CFO work. Go-to-market is sales-led and content-led: a free diagnostic consultation, an SEO-targeted blog of expert guides, and direct engagement through the website, with referral channels via partnerships with Spanish and international VCs and accelerators such as Y Combinator, JME Ventures, Encomenda, Dozen, and First Drop VC.

Name

Premoney

Legal name

Premoney

Website

https://premoney.es

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Premoney is a Barcelona-based boutique financial consultancy that helps Spanish startups and SMEs secure public financing (ENISA, CDTI) and provides recurring external CFO services, reporting 410+ managed processes and €93M+ raised for clients.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Management Consulting Services (54161), Offices of Certified Public Accountants (541211), Portfolio Management and Investment Advice (523940)

SIC

Services-Management Consulting Services (8742), Investment Advice (6282)

akta.pro primary industry

Outsourced Finance & CFO Services (BPAHABAE)

akta.pro secondary industries

Infrastructure & Project Finance Advisory (BPAHADAO), Institutional Capital Introduction (LP/Family Office/Endowment Matching) (FSAEALAI)

Keywords

• Public financing advisory
• External CFO services
• ENISA loan consulting
• CDTI grant management
• Startup financial consulting

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. ENISA Loan Management Services: Success-based fee structure for ENISA loan applications. Works on a win-win basis where Premoney charges only if the loan is approved. Risk-sharing model where they invest time upfront.
2. External CFO Services: Monthly retainer fee model for ongoing CFO external services including financial reporting, treasury control, strategy, and fundraising support.
3. CDTI Financing Management: Comprehensive management of CDTI aid programs (Neotec, LIC, PID) for technology startups.
4. R&D Tax Deduction Services: Services to help companies transform R&D spending into fiscal savings or liquidity through tax deductions.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Premoney is a Barcelona-based financial consulting firm that manages Spanish public financing applications (ENISA loans, CDTI grants including Neotec, LIC, and PID) and provides external CFO services for startups and SMEs. The firm prepares, submits, and manages the full lifecycle of these funding applications on a success-fee basis for ENISA, while offering ongoing monthly retainer CFO support for financial reporting, treasury control, and fundraising strategy. Their services target Spanish technology startups and small businesses seeking non-dilutive public funding and professional financial leadership without the cost of a full-time executive.

Product overview

Premoney is a unified financial consulting services portfolio for Spanish startups and SMEs. The core offering combines external CFO services with public financing management (ENISA loans, CDTI programs) and R&D tax optimization, supplemented by fundraising support and ad-hoc mentorship. Services are standalone offerings that can be contracted independently: clients may engage for ENISA loans alone, CFO services alone, or bundled strategic financial advisory as they grow from pre-seed through Series A stages.

Differentiator

Problem solved

Functional benefit

Products and services

• CFO Externo (External CFO) External CFO service providing financial reporting, treasury control, and financial strategy for startups and SMEs looking to scale operations and manage funding processes. Offered on a monthly retainer with annual fees ranging from 9,600 to 18,000 euros for pre-seed phase, scaling for later stages.
• Préstamos ENISA (ENISA Loans) Preparation and management of ENISA loan applications, maximizing approval rates for participative loans ranging from 25,000 to 1,500,000 euros for innovative startups and SMEs. Charges only on successful approval (success-fee model).
• Financiación Híbrida CDTI (CDTI Hybrid Financing) Comprehensive management of CDTI public aid programs including NEOTEC, LIC, and PID lines for technology-focused startups and innovation projects. Targeted at technology-based startups seeking non-dilutive R&D financing.
• Deducciones Fiscales I+D+i (R&D Tax Deductions) Tax deduction optimization service that transforms R&D expenditure into fiscal savings or liquidity for companies developing innovative products or processes. Helps startups monetize their R&D activity through Spanish tax incentives.
• Fundraising Investment round preparation and accompaniment service helping startups secure private funding, having facilitated over 20 million euros in fundraising. Includes financial model preparation, investor targeting, and round closing support.
• Mentorías Ad-hoc (On-demand Mentorship) Individual on-demand mentorship sessions for founders needing specific financial guidance, available on an as-needed basis. Pay-as-you-go engagement for targeted needs such as specific financing applications or fundraising support.

Quantifiable outcome

• 89% ENISA approval rate vs 33% market average for direct applications
• +3 more outcomes

Named customers15 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Decimal Spain / Decimal.fr: Europe's largest fractional CFO marketplace with presence in France and Spain; comparable outsourced-finance model targeting founders and startups, but operating from a different home geography.

Broad incumbents

• Qonto: European business banking and financial management platform focused on SMEs and freelancers in Spain, France, Italy, and Germany; competes indirectly as an incumbent in SME financial services.
• Holded: Barcelona-based SME financial management software platform serving Spanish and European small businesses with invoicing, accounting, and treasury - representing a software substitute/ecosystem competitor for CFO workflows.

Others

• Inveready: Spanish alternative-finance and venture capital firm operating across early-stage investing and public funding instruments; an ecosystem participant interacting with many of the same startups and programs as Premoney.

Direct peers

• Lateral View: Madrid-based advisory firm combining strategic consulting with fractional CFO support for Spanish startups and growth-stage companies, serving a similar segment with comparable financial management offerings.
• Acosta Asesores: Established Spanish accounting and consulting firm providing financial management, tax, and CFO advisory services to SMEs and startups in Spain; competes for the same fractional-CFO wallet.
• Auxadi: Spanish financial consulting and accounting firm offering outsourced CFO, treasury, and tax services to SMEs, startups, and international companies; comparable professional-services model and client base.
• CIMA Consultoría: Spanish corporate and financial advisory firm supporting SMEs with accounting, CFO-as-a-service, and public subsidy management; comparable in service mix and enterprise/SME orientation.
• Metricson: Spanish financial and growth advisory firm serving startups and scale-ups with fractional CFO, fundraising, and investor relations services. Directly comparable in offering and target customer to Premoney.
• Numeria: Spanish consultancy providing financial advisory, CFO services, and public financing support (ENISA, CDTI) for startups and SMEs. Closest head-to-head competitor in Premoney's home market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/premoney

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Premoney