The startup provides fixed-rate loans to Spanish small and medium-sized enterprises, enabling them to access capital markets without the need for bank changes or additional fees. This offering allows these businesses to secure funding on par with larger companies, addressing the financing gap faced by SMEs in Spain.
Funding
$466.2M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Small and medium-sized enterprises (SMEs) in Spain often face challenges in accessing capital markets, limiting their growth potential due to financing constraints. Traditional bank loans may require SMEs to switch banks or incur additional fees, creating barriers to securing necessary funding. This disparity in access to capital puts SMEs at a disadvantage compared to larger corporations.
Solution
AQUISGRÁN provides long-term, fixed-rate loans to Spanish SMEs and autonomous businesses, offering a complementary financing solution to traditional bank loans. By financing these loans through bonds listed on the MARF (Mercado Alternativo de Renta Fija), AQUISGRÁN enables SMEs to access capital markets in a manner similar to larger companies. These loans, which are backed by the Instituto de Crédito Oficial (ICO) and the Fondo Europeo de Inversiones (FEI), do not require SMEs to change banks or incur additional fees. AQUISGRÁN's Aquisgreen program further supports SMEs by facilitating investments in sustainability, while its Industria program provides bonified loans for companies undertaking projects related to entrepreneurship or growth.
Target Audience
The primary target audience includes Spanish SMEs and autonomous businesses across various sectors (excluding real estate) seeking long-term financing to complement their existing bank relationships. This includes financial advisors, installers of self-consumption systems, and investment providers looking to offer innovative financing solutions to their clients.
Features
- Fixed-rate loans with terms up to 10 years
- Loan amounts ranging from €10,000 to €1,000,000
- No requirement to change banks
- Backing from Sociedades de Garantía (SGR), ICO, and FEI
- Aquisgreen program for financing sustainable investments
- Industria program offering bonified loans for industrial projects
- Loans financed through bonds listed on the MARF