Colectual

Colectual runs a direct marketplace lending platform, which means it operates the "traditional" or "pure" P2P lending model and serves as an online space where borrowers can apply for loans and investors can fund projects. Colectual is operated by Sociedad Economica Para el Desarrollo de la Financiacion Alternativa Colectual PFP SL, based in Spain. It's been granted a crowdfunding license from Spain's National Securities Market Commission (CNMV).

Colectual enables you to provide funding to business owners by investing in business loans. You can also apply for funding if you are a business owner.

At Colectual, you can make EUR-denominated investments starting from €100.

Colectual doesn’t separate investors’ funds from the platform company assets and doesn’t have a wind-down plan in place to ensure minimal damage in case the platform goes out of business. It discloses statistics about its funded loans on a dedicated public page and shares its monthly funding volumes with P2PMarketData.

Colectual was founded in 2015 by Pedro Gómez, Emiliana Olmeda, Antonio Paños Picazo, José Vicente Cotolí Agustí, José Enrique Sotos Ebstein and Francisco Minguez Aroca.

Pedro has over 15 years of experience. His professional background is mainly in banking, and internet services. Pedro has been, for instance, a Representative at Pensium — a social innovation for the elderly, and a Marketing Director at Bankia — a financial services company. He's graduated from University of Valencia in Marketing.

Emiliana has over 25 years of experience. Her professional background is mainly in asset management, and banking. Emiliana has been, for example, a Manager at Grei España — an asset management company, and a Marketing Department Director at Bancaja — a spanish bank. She's graduated from University of Valencia in Economics.

Antonio has over 20 years of experience. His professional background is mainly in banking, and business consulting. Antonio has been, for example, a Partner at Keizan Consultores — a financial consulting firm, and a Risk Department Director at Bancaja — a spanish bank. He holds a Bachelor's degree from University of Valencia in Business.

José Vicente has over 30 years of experience. His professional background is mainly in banking, and csr. José Vicente has been, for instance, a CSR Specialist at Bancaja — a spanish bank. He holds a Bachelor's degree from University of Valencia in Law and economics.

José Enrique has over 15 years of experience. His professional background is mainly in banking, and business consulting. José Enrique has been, among other positions, an Auditor General at Bancaja — a spanish bank, and a CEO at Dinagram — a business consulting firm. He's graduated from University of Valencia.

Francisco has over 40 years of experience. His professional background is mainly in banking, and data analysis. Francisco has been, for instance, a Systems Director at Bankia — a financial services company, and a CTO at Bionline — an ai business software provider. He holds a PhD degree from Valencia Polytechnic University in Mathematics.