BBVA Spark

Finaktiva is the largest digital financing ecosystem for small and medium-sized enterprises (SMEs) in Colombia. The company has developed a comprehensive digital platform that addresses the cash flow and liquidity needs of SMEs while facilitating their growth. By combining cash management, supply chain finance, and lending services, Finaktiva enables businesses to access financing and acquire immediate liquidity. The platform ensures timely credit disbursement after thoroughly analyzing ventures and verifying documentation, allowing companies to efficiently manage their financial operations and make prompt payments to suppliers. Through these services, Finaktiva plays a crucial role in supporting the financial health and growth potential of SMEs in the region.

Spain's largest consumer insolvency lawyers and consumer debt restructuring and consolidation providers.

MytripleA is a Spanish fintech company established in 2015, specializing in providing working capital solutions to medium and large enterprises. Headquartered in Madrid with offices in Barcelona and Soria, the company offers factoring, confirming, and loan services tailored for businesses seeking growth opportunities. MytripleA facilitates direct investment connections between investors and Spanish companies, having facilitated over €160 million in financing since its inception.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Exoticca is an online travel agency that specializes in providing comprehensive holiday packages designed to enhance the travel experience. These packages typically include flights, accommodations, meals, guides, and private transport to destinations around the globe. By collaborating with local travel experts, Exoticca negotiates favorable deals on various travel components, allowing them to offer high-quality trips at competitive prices. Their offerings include both partial and guided tour options, making exotic locations more accessible to a broader audience. Exoticca aims to cater to modern explorers seeking unique and luxurious adventures, creating bespoke travel experiences that align with diverse traveler preferences.

Equity Link is a tech ecosystem where supply chain stakeholders connect to buy, sell and finance trade. We offer SaaS for SME in LATAM enabling access to supply chain finance. It seeks to simplify access to capital by creating an easy, accesible, and safe experience. The company was founded in 2015 and is based in the largest market: Mexico.

Plurall is an innovative financial services provider based in Colombia, focused on enhancing financial inclusion for over 8 million entrepreneurs who have been excluded from traditional banking systems. Recognized as the most entrepreneurial country globally, Colombia has a significant portion of its workforce engaged in self-employment. Plurall aims to address the financial needs of these individuals and small to mid-sized enterprises (SMEs) by offering AI-driven financial applications, mobile banking solutions, and various lending products, including micro and commercial loans. The company leverages technology and data science to deliver essential financial services through a digital-first approach, ensuring that its customers receive tailored support. Plurall's strategic partnerships with major investors and financial institutions position it to expand its operations beyond Colombia and into the broader Latin American market.

Casafari LLC is a real estate metasearch company based in Lisbon that offers property search solutions for real estate professionals and institutional investors in Germany, Spain, and Portugal. The company focuses on enhancing transparency in the real estate market by building a comprehensive database of properties. It collects and analyzes data on property prices, collaborates with various real estate agencies, and aggregates listings from multiple sources. Utilizing proprietary technology, Casafari cleans, deduplicates, and evaluates property information in real-time, enabling users to identify lucrative investment opportunities. Additionally, the platform provides predictive analytics, alerts for new listings and price changes, and status tracking to help users stay informed about market developments and optimize their property transactions.

Fairplay is a performance-based financing platform that specializes in supporting e-commerce companies by providing funds for marketing expenditures. The company advances revenue to its clients, enabling them to invest in performance marketing campaigns that drive growth. In return, Fairplay receives a consistent share of the client's revenues until the advanced capital is fully repaid, along with a predetermined fee. By utilizing advanced data analytics, Fairplay optimizes investment in digital marketing initiatives, allowing clients to enhance their sales while effectively managing their financial commitments.

Bravo, originally founded as Resuelve tu Deuda, is a financial advisory firm established in Mexico in 2009 by Javier Velasquez and Juan Pablo Zorrilla. The company was created as a response to the growing issue of over-indebtedness affecting many Mexicans, particularly those who accumulated unmanageable debts between 2002 and 2009. Bravo offers a range of services aimed at improving credit scores, managing debt, and facilitating debt settlement. The firm provides support to both debtors and creditors, enabling individuals to regain control of their finances and achieve greater financial stability. By acting as a reliable advisor, Bravo addresses the significant need for assistance in navigating financial challenges within the country.

Insurama is an insurtech company focused on delivering innovative, user-friendly insurance products tailored to the needs of digital-native clients. It operates an online insurance distribution channel, offering a range of digital insurance products and services directly to consumers through various digital sales platforms. Insurama emphasizes a straightforward approach by eliminating complex small print, making it easier for customers to understand their insurance options. Additionally, the company manages its online marketing strategy and develops websites, ensuring that customers can easily access and purchase insurance products that meet their specific requirements. By diversifying its distribution channels, Insurama enhances the way buyers learn about and acquire insurance solutions.

Bia Energy is focused on providing sustainable and affordable energy solutions to small and medium-sized enterprises (SMEs) and households in Latin America. The company has developed a virtual energy marketing platform that emphasizes efficient energy consumption and optimization. This platform tracks energy usage and offers automatic recommendations for monthly savings, enabling users to reduce costs while adopting sustainable practices. Through its consumer-centric and data-driven approach, Bia Energy aims to empower its customers by enhancing their energy management capabilities and promoting environmentally friendly energy consumption.

Exoticca is an online travel agency that specializes in providing comprehensive holiday packages designed to enhance the travel experience. These packages typically include flights, accommodations, meals, guides, and private transport to destinations around the globe. By collaborating with local travel experts, Exoticca negotiates favorable deals on various travel components, allowing them to offer high-quality trips at competitive prices. Their offerings include both partial and guided tour options, making exotic locations more accessible to a broader audience. Exoticca aims to cater to modern explorers seeking unique and luxurious adventures, creating bespoke travel experiences that align with diverse traveler preferences.

WIVI Vision is a company that specializes in 3D visualization programs and games aimed at treating visual dysfunction and enhancing vision. It focuses on cognitive visual function assessment and training, providing tools and resources that assist health professionals in identifying early signs of visual impairments. By targeting children and teenagers, WIVI Vision aims to help improve visual capabilities and address various visual dysfunctions effectively. Through its innovative approach, the company seeks to contribute to better visual health outcomes for its users.

Cabify, established in 2011 and based in Madrid, Spain, is a ride-sharing company that facilitates transportation for both individuals and businesses. It offers a user-friendly web and mobile app for booking rides, connecting users with suitable transport options. Cabify prioritizes customer satisfaction, ensuring fair pricing, comfortable journeys, and accessibility for all. Its services include clean, modern vehicles driven by trained professionals, providing safe and reliable rides with added amenities like music and magazines. The company aims to enhance urban mobility and improve cities and communities by making transportation better.

Creze is a financial services company based in Mexico City, Mexico, founded in 2015. It specializes in providing unsecured business loans to small and medium-sized enterprises in Mexico, aiming to enhance their working capital management and support their growth. By leveraging technology, Creze streamlines the risk assessment and loan application process, allowing for quick analysis and tailored proposals to meet the specific needs of borrowers. The company offers several advantageous loan features, including no pre-payment penalties, minimal documentation requirements, and expedited disbursal times, thereby enabling entrepreneurs to access the necessary funding efficiently. As of May 2019, Creze operates as a subsidiary of Polygon Fintech.

Fracttal is a provider of intelligent maintenance and asset management software designed to enhance operational efficiency for businesses across various industries. Its flagship product, Fracttal One, is a mobile and cloud-based solution that allows companies to manage all maintenance operations remotely, including equipment, vehicles, machinery, and facilities. This software facilitates real-time collaboration among teams and integrates seamlessly with existing ERP systems, enabling businesses to optimize maintenance schedules, monitor costs, and manage resources effectively. Fracttal's solutions have been shown to reduce asset failures by over 25%, decrease maintenance costs by at least 15%, and boost productivity by more than 35%. The company also offers Predictto, an AI-driven predictive maintenance tool that utilizes machine learning and big data to forecast potential asset failures. With a diverse clientele that includes multinational corporations and small to medium enterprises, Fracttal is committed to improving decision-making, maximizing efficiency, and extending the lifespan of physical assets while minimizing operational risks and incidents.

Twinco Capital is a financial services company based in Alcobendas, Spain, that specializes in providing innovative financing solutions for the supply chain industry. Founded in 2016, Twinco offers a comprehensive supply chain finance platform that addresses the full production cycle, from purchase orders to final invoice payments. The company connects suppliers, both large and small, with affordable funding options while also assisting buyers in establishing competitive and socially responsible supply chains. By leveraging advanced supply chain analytics and embedding environmental, social, and governance (ESG) metrics into its financing programs, Twinco aims to create a more equitable landscape for small and medium-sized enterprises in global trade. Through its unique approach, Twinco is committed to fostering inclusive growth and enhancing the sustainability of global supply chain practices.

Sunhero is a company that specializes in providing custom-built solar panel solutions aimed at making solar energy accessible and affordable for consumers. It offers hassle-free options for installing personalized photovoltaic solar systems in homes, allowing customers to either purchase the systems outright or opt for a rental arrangement lasting 20 years. In addition to its service offerings, Sunhero is committed to developing technology and infrastructure that facilitate the global transition to green energy. By enabling individuals to adopt sustainable energy solutions, the company helps them reduce monthly electricity expenses while contributing to environmental sustainability.

Bia Energy is focused on providing sustainable and affordable energy solutions to small and medium-sized enterprises (SMEs) and households in Latin America. The company has developed a virtual energy marketing platform that emphasizes efficient energy consumption and optimization. This platform tracks energy usage and offers automatic recommendations for monthly savings, enabling users to reduce costs while adopting sustainable practices. Through its consumer-centric and data-driven approach, Bia Energy aims to empower its customers by enhancing their energy management capabilities and promoting environmentally friendly energy consumption.

Mundimoto is an online motorcycle trading platform that aims to revolutionize the purchasing experience for consumers. The company specializes in providing detailed listings of reconditioned motorbikes, allowing customers to browse a wide selection conveniently through their mobile devices. In addition to facilitating purchases, Mundimoto offers various services including installment plans, home delivery, and motorcycle revisions. The platform also supports consumer financing and insurance options, as well as trade-in services for old motorcycles, enhancing the overall buying experience for customers.

Payflow is a financial technology company founded in 2020 and based in Spain, specializing in employee benefit solutions. The company offers a platform that allows employees to access their earned salaries instantly, thereby enhancing their financial well-being. This service enables organizations to provide financial flexibility to their workforce without impacting cash flow, ultimately leading to improved employee productivity and engagement. Payflow simplifies the payroll process, allowing clients to manage their teams' finances more effectively while ensuring that employees receive their benefits promptly. Backed by Rocket Internet, Payflow aims to transform the way companies approach employee compensation and financial health.

Habi is a technology-driven real estate company based in Bogotá, Colombia, that specializes in simplifying the homeownership process for middle-class customers throughout Latin America. Founded in 2019, Habi utilizes a proprietary pricing algorithm and advanced analytical tools to facilitate quicker and more efficient transactions for buying and selling residential properties. By reducing the time required for sales and minimizing risks associated with traditional real estate processes, Habi eliminates the need for intermediaries and empowers clients with essential information. The company's innovative platform aims to enhance the overall experience of homeownership, making it more accessible and streamlined for its users.