SSmart Escrow
Smart Escrow is a B2B fintech based in Calahorra, La Rioja, that finances purchase orders for the small suppliers of large companies. It combines fintech and tradetech with artificial intelligence. Its platform connects to the data flow between large buyers and their suppliers, so that clients can offer suppliers fast, flexible financing when the order is placed; payments run through digital wallets linked to bank accounts. It also sells data connectors, AI-based commercial rating models and sector-specific tools to financial institutions, insurers and large companies with big supplier networks. The company grew out of the Flipsimply project, which went through the Bankia Fintech by Innsomnia accelerator, and was founded in 2020. By late 2020 it had financed more than 3,000 orders, worth almost €3 million, for suppliers to major retail and food brands with no defaults. It had raised about €300,000 in total, including the first participative loan made by Bankia Fintech Venture. It operates in Spain, Portugal, Italy, Mexico and Argentina, and won a 2023 Scaleups B2B award from Fundación Empresa y Sociedad.
Profile updated 24 Sep 2026
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