lend2friend
ProposalProduct

A new channel for the licence you already hold

Your permission. Our software.

You already let people fund Spanish businesses. We bring the system that attracts investors and businesses, and we handle matching the money. Every match is a loan on your book. The fee is yours.

The framework
Our platform and the matchmaking algorithm. The permission only you can give.
The users
People looking to invest and to borrow, each on terms set by themselves.
Our benefit
X points a year, taken from the spread.

Why this market, why now

A full market. An empty channel.

Spanish businesses look for amortising term finance. People look to invest in regulated crowdfunding. What still does not exist is a standing matching channel between them — and that is what we bring to the table.

Why there has been no channel

There was no product that joined both sides. Until now

  1. 1

    Project listing boards have been built, not matching books

    Continuous matching from a rate and a term is —legally— a different service from listing a project, and that authorisation has only been settled since November 2023. Platforms list projects. We were the first to build a framework that can automate portfolio matching.

  2. 2

    Businesses had no way onto the board

    Bank credit, factoring, and large listed crowdfunding leave a gap: amortising business loans that are too ordinary for a named promotion and too awkward for a desk that lives on million-euro files. Our framework captures and converts that demand in a practically automatic way.

  3. 3

    Investors had to pick projects one by one

    Investors fund Spanish crowdfunding at scale, but they have to select each project individually. That is a barrier for more casual investors. Our framework solves it. The investor chooses the return they want, and we take care of the rest.

51%
Spanish SMEs that needed finance in 2025 — about 1.83 million firms (CESGAR XV).
€662m
MicroBank entrepreneurial microcredit, 2025. ~30,500 loans, average ~€22k.
€762m
Spanish participatory finance, 2025. Loan crowdfunding outside property: €15m → €76m.

Universo Crowdfunding, Informes 2024 and 2025. CESGAR, XV Informe (2025). MicroBank, Informe Anual 2025. These are market facts. They are not a forecast of this channel.

The product we run

We do the work. You hold the decision.

We bring in customers and give them a service that feels personalised. Your team keeps the job it already has: approve businesses and let the payment firm move the euros.

For who lends

One onboarding. Then the money works on its own.

  1. 1They verify their identity.
  2. 2They set an amount, the yearly return they accept, and the terms on which they receive it.
  3. 3They watch their investment get distributed automatically across loans that fit.
  4. 4They choose to take the returns or keep investing them.

For who borrows

Another onboarding. Then the money comes on its own.

  1. 1They verify their identity and wait for their business to be approved.
  2. 2They set the amount they need, the interest they are willing to pay, and the terms on which they repay.
  3. 3They watch how money from our investor users covers the loan. They receive the principal by SEPA Instant.
  4. 4Each month the same instalment is collected. They only pay interest on the outstanding balance.

What we bring

A full channel, ready for your book.

The channel arrives built, and it plugs into your system smoothly.

  • Distribution

    We handle attracting investors and businesses through our marketplace. Your credit desk keeps the decision in every case.

  • The matching system

    We run the system that turns investor money into loans. All of that is additional investment on your book.

  • The daily work

    Fully automated through your payment firm. Fully transparent to your team.

  • The customers, on your contract

    The person and the business contract with you. The loan is yours to administer. That is why the fee is yours.

  • We help you use the licence you already have

    Lending to businesses, funded by people, entirely in your name. If automatic matching is already on your licence, a lender sets a rate and a term once and the loans fill themselves. If it is not, they confirm each business. Either way, our system turns users into loans; the money keeps working.

  • We connect to your system

    We plug into the payment firm you already use. Your rules mark what can and cannot be done — you keep full control. You only need to issue a sandbox key with four permissions.

    1. 1Open. Open a holding and start the identity check.
    2. 2Hold. Report a transfer in, lock it for the reflection, and release it when the days end.
    3. 3Collect. Collect an instalment by direct debit, and see whether it was paid.
    4. 4Pay. Pay only a registered IBAN: cancel return, business payout, lender share, or money sent home. Your fee stays with you.

Your fee

You earn the gap.

A person names the lowest yearly rate they will accept. A business names the most it will pay. You earn X points a year from the gap; we handle making the match so that gap exists.

Suggested figure: X is 2.00 points

€6,000 over 12 months

  • The person receives4.00% a year, on the balance still owed€506.40 in month one
  • The business pays6.00% a year, on that same balance€516.40 a month
  • You keep€65.60 across the year, on this loan€10 in month one

The payment stays level. Interest falls as the balance falls, and the principal portion rises by the same amount. In month one, €486.40 is principal. Interest is charged on the balance still owed, so the €10 of fee in the first month becomes less each month. If the two sides are further apart, the extra is shared between them and your fee stays X.

  • Your spread stays yours

    It lands in your account with the instalment. Our charge is an invoice for the software.

  • Your credit rules stay yours

    A business only gets a loan when it meets the policy you already use. We manage the files. You keep the right to refuse it.

  • The terms of the loans we allow

    You set them in the contract. We cannot go outside the limits you mark.

What we ask

Your permission. A yes.

You put in the permission you already hold. We put in the matching system, the pipeline, and the daily work. The loans it creates sit on your book. The fee on them is yours.

Read the commercial proposalBack to product
  • Your name on the contract, the information sheet, and the complaints. That is the licence.
  • Your existing credit rules. Businesses are approved under your criteria.
  • The payment rails are yours; you keep the control.