ID Finance is a Barcelona-based fintech founded in 2012 that uses AI-driven credit scoring and data science to offer accessible digital lending and financial wellness products (including the Plazo app and MoneyMan brand) to underbanked consumers in Spain, Mexico and other emerging markets. It has raised over $39M in equity and debt financing and employs 400+ people.
SectorsAlternative Lending, Credit Scoring, Digital Banking, Financial Wellness
Start-up MapFintech › Consumer credit & financial inclusion
Founders
A
Alexander Dunaev
Co-Founder & COO
B
Boris Batine
Co-Founder & CEO
Global models 5
CCreditas
Brazil · www.creditas.com ↗
AI-driven secured/unsecured consumer lending platform for underbanked Latin American borrowers, the same model as ID Finance's Plazo.
$1.7BComparable
TTala
United States · tala.co ↗
Machine-learning credit scoring and digital lending for underbanked consumers in emerging markets, directly comparable to ID Finance's model.
$500M+Comparable
KKonfio
Mexico · konfio.mx ↗
Data-driven alternative credit scoring and digital lending targeting underserved Mexican consumers/SMEs, matching ID Finance's Mexico operations.
$470MComparable
BBranch International
United States · branch.co ↗
Mobile app-based microloans using algorithmic credit scoring for underbanked emerging-market consumers, closely mirroring ID Finance's approach.
$280MComparable
JJUMO
South Africa · jumo.world ↗
AI-powered credit scoring and digital lending infrastructure for underbanked populations in emerging markets, the same core business model.
$180MComparable
In the same niche 26 others
See all in the Start-ups Map →
Notes: Most funded first
Investors 12
Open as list →
CCrowdcube
www.crowdcube.com
Ii80 Group
K
Kingsway Capital
S
SR Alternative Credit
V
Vadim Dymov
N
nordIX
PPercent
T
TransKapitalBank
F
Forbank
S
Spice Expeditions
W
WashU (Washington University in St. Louis)
Æ
ÆVUS Venture Partners
Funding rounds 13
| Date | Round | Amount | Lead |
|---|---|---|---|
| 2026-10-13 | No stage disclosed | €45M |
Lead not disclosed
+3 more
|
| 2026-09-01 | Venture Debt | €21M |
nordIX
+1 more
|
| 2026-03-13 | Venture Debt | €20M | Lead not disclosed |
| 2024-02-06 | Venture Debt | $150M | i80 Group |
| 2023-04-19 | Venture Debt | $30M | SR Alternative Credit |
| 2023-03-22 | Series B (estimated) | €30M |
Kingsway Capital
+1 more
|
| 2022-05 | Venture Debt | €1.9M | Percent (estimated lead) |
| 2021-12-17 | No stage disclosed | €3.3M |
No single lead
+1 more
|
| 2020-01 | Venture Debt | €40M | Lead not disclosed |
| 2019-11-13 | No stage disclosed | £4.95M |
No single lead
+1 more
|
| 2017-12-13 | Venture Debt | $8.5M | Lead not disclosed |
| 2017-02-15 | Venture Debt | $50M |
TransKapitalBank
+2 more
|
| 2013-06-05 | Seed | $3M | Vadim Dymov |