Simpleros

http://www.simpleros.es

At Simpleros, we make borrowing simple, fair, and inclusive. We offer online consumer loans up to €1,000 for up to 12 months, giving residents of Spain quick access to credit when they need it most.

What makes us different? Our innovative risk-based pricing powered by advanced Artificial Intelligence (AI) solutions. Instead of one-size-fits-all rates, our smart technology looks at multiple factors—from credit history and income to spending patterns and economic signals—to create a personalized offer just for you.

This means better rates for responsible borrowers, fair terms for everyone, and a transparent lending experience you can trust. With Simpleros, financial inclusion isn’t just a promise—it’s how we work every day.

Latest news

€ 11.75 M

Loans Originated

€ 2.14 M

Loan Portfolio

13-19%

Junior Share

Security Structure

The company placing loans on Income Marketplace is Simpleros, SL .

The investment into loan claims is made through an assignment agreement between the investor, Simpleros, SL, and Income’s SPV. Depending on the loan type, the junior share securing the investment is either 13% or 19%.


Differently from our typical cash-flow buffer, the current set-up with Simpleros SL is done via net cash settlements.

View Security Structure

Documents

25.08.2025 Simpleros Company presentation

25.08.2025 Simpleros Financial presentation

12.09.2025 Simpleros 2024 Financial Statement