KCompany · Fintech
Kintai
Kintai is a Barcelona-based fintech that provides working capital financing (invoice advances, revenue-based cash advances, and credit lines) to SMEs, freelancers and physical retailers, using open banking and TPV/sales data instead of credit history for underwriting. Founded in 2021 at the Nuclio venture builder, it has financed over 1,000 companies and channeled €150M+, and closed a €10M Series A in 2024 led by Barlon Capital.
Founded
2021
Founders
3
News
10
Rounds
3
Investors
5
SectorsFintech, SME Lending, Invoice Factoring, Working Capital Financing
Start-up MapFintech › SME lending & financing
Profile updated 22 Jul 2026
Founders
I
Ignasi de Llorens
Co-Founder & CEO
S
Sebastián Duh
Co-Founder
V
Víctor Ruiz
Co-Founder & CTO
Global models 5
K
Kabbage
United States · www.kabbage.com ↗
Used bank/business data instead of credit scores to extend working-capital lines to SMEs, same core model as Kintai before being acquired by American Express.
$2.5BComparable
CClearco
Canada · clear.co ↗
Provides non-dilutive revenue-based cash advances to businesses using sales data, closely matching Kintai's cash-advance/factoring model.
$3.6BComparable
Iiwoca
United Kingdom · www.iwoca.com ↗
European fintech lending flexible working-capital and credit lines to SMEs based on business data, directly comparable to Kintai's target market and product.
$700MComparable
FFundbox
United States · fundbox.com ↗
Advances funds against outstanding invoices and offers credit lines to small businesses, mirroring Kintai's invoice-advance product.
$500MComparable
WWayflyer
Ireland · www.wayflyer.com ↗
Provides revenue-based working-capital financing to merchants using real-time sales/TPV data, similar to Kintai's data-driven underwriting for retailers.
$300MComparable
