Pensium

pensium.es ↗ ·Barcelona ·Seed

Pensium is a Spanish fintech that lets families pay for elderly care — a private nursing-home place or an at-home caregiver — by advancing money against the future rental income of the dependent person's home, without a mortgage, guarantees or selling the property. It renovates and rents out the property, guarantees the rent, and advances up to double the rental value; the entities Pensium SL and Pensium Direct SL are registered with the Bank of Spain as real-estate credit intermediaries/lenders (codes D037/D036) and the company is a certified B Corp. Founded in 2016 in Barcelona with a Madrid office on Paseo de la Castellana, it raised a €3.7M round in December 2021, launched a social-bond programme of up to €200M with EBN Banco in 2022, passed 500 rentals under management in 2025, and won the Insurance Innovation category of the Fundación MAPFRE Social Innovation Awards in 2020.

Founded

2016

Founders

Total funds raised

€5.1M

SectorsFintech, Proptech, Silver Economy / Elderly Care, Impact / Social Finance Start-up MapFintech › Consumer credit & financial inclusion

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Founders

David Igual Molina

Co-founder & COO / Director de Operaciones

Josep Fabregat Clotet

Co-founder & CFO

Miquel Perdiguer Andrés

Co-founder & CEO (listed as Chairman/Presidente in more recent filings)

Ramon Lluís García Torner

Co-founder

Global models 5

Point

United States · point.com ↗

Gives homeowners cash against their home's future value without a loan, monthly payments or a sale, so owners can use the equity while keeping the property, like Pensium.

~$175MComparable

Hometap

United States · www.hometap.com ↗

Advances cash against home equity with no mortgage and no monthly repayments, a way to use property wealth without selling it that is close to Pensium's model.

~$100MComparable

Belong

United States · belong.co ↗

Prepares and rents out owners' homes, guarantees the rent and can pay up to a year of rent upfront, which is the same rent-advance-against-a-managed-rental approach Pensium uses.

~$125MComparable

EasyKnock

United States · easyknock.com ↗

Lets homeowners, including older people who need cash, unlock their property's value without a traditional mortgage while they stay linked to the home.

~$60MComparable