Durante los primeros doce meses en nuestro país, la compañía ha financiado a más de 300 pymes y autónomos.
12 meses, 3 países, 2 continentes y 18 millones de euros captados en capital, este es el balance global del primer año de actividad de Spotcap, plataforma de crédito online para pymes y autónomos, perteneciente al gigante alemán Rocket Internet. En España, desde su lanzamiento el pasado septiembre de 2014, la compañía ha superado los 5 millones de euros en líneas de crédito otorgadas y ha financiado a más de 300 empresas.
Balance del primer año de actividad de Spotcap en España
Spotcap apostó por España como primer país de lanzamiento para desarrollar su modelo de negocio y el pasado septiembre de 2014 iniciaba su actividad en nuestro país. En un año, la compañía ha superado los 5 millones de euros en líneas de crédito otorgadas a más de 300 clientes. Además, durante este año ha cerrado acuerdos estratégicos con más de un centenar de colaboradores y ha ampliado su límite máximo de financiación de los 50.000€ a los 100.000€.
“Los resultados de nuestro primer año en España demuestran que una alternativa de financiación como Spotcap es más que viable y absolutamente necesaria en nuestro país”, asegura Diego Bestard, director general de Spotcap España. “La aceptación del producto ha sido excelente, pero nos encontramos tan sólo en el inicio. El sistema financiero está a punto de vivir una revolución incluso más severa que la que se vio en el sector turístico o discográfico. Nuestro potencial de crecimiento es espectacular”, añade.
Durante este primer año en España, Spotcap ha financiado a clientes provenientes del sector servicios en su mayoría (un 50%), seguido del sector comercio al por mayor (26,92%) y el sector retail (11,54%). Madrid y Barcelona son las ciudades que más líneas de crédito han solicitado a través de Spotcap, pero Zaragoza también empieza a despuntar en este sentido.
Enfoque global y expansión internacional
Spotcap tiene su sede central en Berlín y cuenta con oficinas locales en Madrid, Amsterdam y Sydney. En su primer año, la compañía ha logrado captar un capital de 18 millones de euros tanto para su expansión internacional como para financiar sus líneas de crédito respectivamente, y ha ampliado su equipo hasta los 65 empleados. En su segundo año de actividad, Spotcap pretende continuar con su expansión mundial en nuevos mercados, ampliar su oferta de productos, y acercarse al objetivo de convertirse en líder mundial de préstamos online para pymes y autónomos a corto plazo.
Toby Triebel, CEO y co-fundador de Spotcap: “Desde nuestro lanzamiento, Spotcap ha experimentado unas tasas de crecimiento de dos dígitos mensuales. Nuestra rápida expansión en España, Países Bajos y Australia refleja que las pequeñas empresas están recurriendo cada vez más a soluciones alternativas de financiación. El ecosistema de la financiación empresarial está cambiando a una velocidad vertiginosa y estamos encantados de liderar este cambio”.
Auge de la financiación alternativa para pequeñas empresas
Mientras que la financiación para grandes corporaciones ha aumentado desde la crisis financiera, los préstamos a pequeñas y medianas empresas se han reducido significativamente. Los propietarios de pymes se enfrentan a grandes dificultades para acceder a financiación por parte de las instituciones tradicionales. Ante este panorama, los proveedores de financiación alternativa como Spotcap aportan una solución que otorga la liquidez necesaria a los pequeños comerciantes y empresarios. Y es que durante 2014, el mercado de la financiación alternativa en Europa creció un 144% en su conjunto y pasó de los 1.211 millones de euros en 2013 a los 2.957 millones de euros en 2014, según el informe European Alternative Finance Benchmarking Report.
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