Can a newly set-up company get financing?

It is possible, though with less track record more weight is given to guarantees, the business plan and the partners' contribution.

What is the difference between leasing and renting?

With leasing you can usually keep the asset at the end by exercising a purchase option. With renting you pay for use, and it often includes maintenance.

All services

Business financing

Credit lines, loans, leasing and guarantees negotiated with a clear reading of your balance sheet and cash.

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What is included

Credit lines and loans

Leasing and renting

Guarantees

Who it is for: For freelancers, small businesses and companies needing to finance working capital, equipment or growth without straining cash flow.

What is worth knowing

Loan and credit line

A loan gives a capital repaid in instalments. A credit line gives you an available limit and you pay interest only on what you draw, useful for working capital.

Products Agustín can arrange for you

Business account

No maintenance fee, for sole traders and companies.

Credit line

Liquidity for cash-flow gaps; you only pay interest on what you use.

Investment loans

For projects and equipment, including subsidised loans.

ICO, EIB and EU fund lines

Publicly backed financing under the current lines.

Bank guarantees

To rent premises, bid for public tenders or auctions.

Vehicle and tech renting

Vans, cars and equipment for one instalment.

Payroll and supplier payments

Bulk payments and direct-debit collection from online banking.

Business insurance

Multi-risk, liability, cyber, staff health and key-person life cover.

SME pension plans

Employer and employee contributions with tax advantages.

Interest rates, discounts, fees and promotions change often: Agustín gives you the current terms, at the meeting.

How we work

Listen

An unhurried conversation about your situation, goals and timing. Most things are decided here.

Analyse

I review what you already have, what it costs and what is missing, and compare it with the market.

Propose

I present the options with pros and cons, in writing and without unnecessary jargon.

Support

I support you through the process and review progress with you when your circumstances change.

What to bring to the meeting

Latest balance sheet and P&L

List of current debts

Cash forecast

Watch out for

Do not finance long-term investments with short-term products: the term should match the asset's useful life.

Before borrowing, be clear about which cash flow will repay the debt.

The clearer and better organised the information you present, the better your application is assessed.

Frequently asked questions

Typically the latest balance sheet and profit and loss account, a list of current debts, a cash forecast and, for freelancers, your tax returns.

General, indicative information on regulations and products in Spain. Terms and rules change and every case is different: they are confirmed at the meeting. It is not personalised advice or an offer.

Shall we look at your own case?

A 30-minute meeting, no commitment. You arrive with a summary and leave with clear next steps.