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.
SectorsFintech, SME Lending, Invoice Factoring, Working Capital Financing
Start-up MapFintech › SME lending & financing
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
In the same niche 11 others
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Notes: Most funded first
Investors 5
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Funding rounds 3
| Date | Round | Amount | Lead |
|---|---|---|---|
| 2026-07-13 | Series A | €10M |
Barlon Capital
+3 more
|
| 2023-01-24 | Seed | €2.5M incl. debt: equity and debt, the split was not disclosed |
Institut Català de Finances
+1 more
|
| 2021-01 | Pre-seed | €250K | Lead not disclosed |