Company · Fintech

Bcas

bcasapp.com ↗ ·Madrid ·Series B

Bcas is a Madrid-based fintech/edtech platform that removes economic barriers to education by offering flexible student financing, including Income Share Agreements (repayment starts after employment) and installment plans of 6-36 months. Founded in 2021, it has financed over 4,000 students through 100+ partner training centers in Spain and Germany, and has raised more than €55M combined in equity and debt, including a €30M debt round in February 2026 led by MyInvestor.

Founded

2021

Founders

News

Rounds

Investors

SectorsFintech, Edtech Start-up MapFintech › Consumer credit & financial inclusion

Profile updated 30 Jul 2026

Founders

Bosco González del Valle

Co-Founder & CEO

Javier Ausín

Co-Founder & COO

—

Manuel Avello

Co-Founder & Chief Product Officer

Global models 5

Prodigy Finance

United Kingdom · www.prodigyfinance.com ↗

Provides deferred, affordability-based loans to international graduate students, matching Bcas's model of financing education with repayment tied to future earning capacity.

$184.6MComparable

MPOWER Financing

United States · www.mpowerfinancing.com ↗

Offers no-cosigner student loans to international and DACA students in the US and Canada, the same 'study now, pay later' financing gap Bcas targets in Europe.

$156MComparable

BloomTech (Lambda School)

United States · www.bloomtech.com ↗

Pioneered Income Share Agreements for vocational/coding-bootcamp students, the exact ISA mechanism Bcas uses for training-center partners.

$149MComparable

Climb Credit

United States · climbcredit.com ↗

Finances tuition for career-training and vocational programs via loans underwritten on graduate employment outcomes, closely mirroring Bcas's partner-school financing model.

$65.8MComparable

Stride Funding

United States · www.stridefunding.com ↗

Runs an ISA and outcomes-based financing platform for bootcamp and certificate students, directly comparable to Bcas's ISA product line.

$21MComparable

Investors 9

www.archipelagonext.com

Investor Spain

European Investment Fund

www.eif.org ↗

Investor European Union

Extension Fund

www.extensionfund.com

Investor Spain

MyInvestor

www.myinvestor.es ↗

Investor Spain

Orilla Asset Management

Investor Spain

Funding rounds 4

Debt · €30M

Bcas, the platform offering Income Share Agreements and flexible financing to students, raised €30M in a financing round subscribed exclusiv…

2026-02-04

Other · €17M

Madrid-based Bcas, which finances students' tuition through Income Share Agreements, closed a €17M round co-led by neobank MyInvestor and th…

2024-06-03

Seed

Madrid-based BCAS, a search engine for student financing and training that offers income share agreements, closed the final tranche of its s…

2023-09-14

Seed · €7M

Bcas, a Madrid fintech offering income-share agreements and flexible instalment plans for post-compulsory education, closed its first financ…

2023-03-09

News & media 5

Published	Article
2026-05-29	European Investment Fund and BCAS Mobilize €72 Million to Boost Training Access Across Europe ↗ Funds for NGOs
2026-02-04	BCAS secured €30M to strengthen its position in flexible student financing ↗ Tech.eu
2025-12-16	Manuel Avello, cofundador de Bcas: "El respaldo del CDTI Innovación y los fondos FEDER ha impulsado un 'scoring' alternativo que fomenta la inclusión financiera de los estudiantes" ↗ CDTI
2024-12-12	La 'edtech' Bcas replicará en Alemania su modelo de éxito para financiar a estudiantes con Francia en su radar ↗ El Español (Invertia)
2024-06-03	Madrid-based edtech Bcas bags €17 million to fuel its international expansion plans ↗ EU-Startups