Lendermarket welcomes a new loan originator: RapiCredit Iberica

Diversify your portfolio with Spanish microcredits and a proven model for financial inclusion.

We are pleased to announce the upcoming launch of RapiCredit Iberica as a new loan originator on the Lendermarket platform. This partnership expands the range of investment opportunities available to our investors and introduces exposure to the Ibero-American fintech sector.
RapiCredit Iberica provides loans in Spain and, in line with our commitment to offering transparent and responsibly structured investment opportunities, will offer regulated loans on our platform.

About RapiCredit Iberica

Launching operations in November 2025, RapiCredit Iberica is the strategic expansion of the successful RapiCredit Colombia model into the European market. The company is dedicated to revolutionising financial inclusion in Spain, specifically targeting the 8.5 million adults who currently lack access to traditional credit.
By leveraging a decade of expertise and a validated risk model tested in Colombia, RapiCredit Iberica enables swift, 100% digital credit solutions. The business model focuses on providing immediate liquidity to enhance consumer financial resilience. The company projects scaling from 10,000 loans in its first year to over 400,000 annually by 2031.

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Key Takeaways

What does it mean for our investors:

• Proven Model
• Market Opportunity: Direct exposure to the Spanish market, the European leader in microcredits.
• High Profitability: Projected to be two to four times more profitable per unit than the Colombian operation.
• Validated Risk: Implementation of a tested model based on identity, debt capacity, and employability.
• Available for Auto Invest portfolios

How Risk Is Managed

RapiCredit Iberica implements a validated risk model originally tested and refined in the Colombian market. Each application undergoes rigorous identity validation and an assessment of debt capacity and employability.

Once funding is provided, the portfolio is managed through an integrated decision-making model and an efficient digital collection scheme. This agility is key to managing large volumes of quick loans consistently. Because these disbursements are designed to cover unexpected expenses or manage emergencies, they offer an uncorrelated asset class focused on consumer financial resilience.

Governance and Transparency

Governance and technological innovation are core parts of RapiCredit Iberica’s operating model. The company seeks to raise USD $3.5 million to strengthen its Spanish operations, backed by a proven ability to generate consistent revenue.
As with all loan originators on the platform, investors will be able to review RapiCredit Iberica’s company presentation and financial projections directly on the loan originator page on Lendermarket.

Update your Auto Invest

Review your settings to include RapiCredit Iberica in your strategy.