Kontactalia Finance

Kontactalia Finance is the financial division of Grupo Kontactalia, a Spanish group founded by Alejandro Melero García, whose activity in the credit ecosystem dates back to 2009. Based in Barcelona, the firm positions itself as a specialist in "financiación alternativa" — alternative, non-bank financing — and structures loans secured by real estate for four broad client groups: private individuals, self-employed professionals (autónomos), companies and real-estate developers. Its core proposition is to convert the value locked in a property into liquidity when a conventional bank rejects the credit application or cannot move fast enough. The company operates as a regulated intermediary rather than as a deposit-taking bank. According to its own disclosures, it is registered with the Banco de España as a real-estate credit intermediary under code D238 and appears in the Spanish consumer credit register under number 439/2013. It also states that its founder holds the EFPA España LCCI certification in real-estate credit, and that the firm has received a "Golden Star" award for professional excellence. These regulatory registrations are central to its marketing, since it lends outside the traditional banking circuit and therefore needs to signal compliance and transparency. Product-wise, Kontactalia Finance structures mortgage-guaranteed loans with amounts ranging from €15,000 up to €200 million depending on the asset, loan-to-value of up to 50% for companies and up to 40% for individuals with all costs included, and nominal annual rates starting from 8% on large transactions (generally from 10%), with tailored amortisation — French system, interest-only or bullet — over terms of up to 20 years depending on the borrower profile. A distinctive feature is that underwriting is based on the viability of the project and the quality of the real-estate collateral rather than on automated credit scoring alone; the firm says it accepts high CIRBE, RAI or ASNEF records and often works outside CIRBE for companies and developers. It advertises pre-approval within 24–48 hours and signing before a notary of the client's choosing. The business is organised around specialised group brands that route each case to the appropriate channel: Financia-T for companies, PrestaPro for property developers and Prestamistas.es for private individuals. Kontactalia Finance presents itself as the umbrella financial division that analyses each operation and then derives it to the relevant brand. Its stated vision is to become the leading reference in alternative financing in Spain, consolidating a reputation as a trustworthy, efficient firm capable of structuring financial solutions adapted to each economic scenario, and to be the first option for those seeking capital outside the traditional banking circuit.

Kontactalia Finance is the financial division of Grupo Kontactalia, a Spanish group whose founder, Alejandro Melero García, has been active in the credit ecosystem since 2009. The firm describes itself as a pioneer of alternative financing in Spain, a market that grew as borrowers — particularly SMEs, self-employed professionals and property developers — found it increasingly difficult to obtain credit from conventional banks after the financial crisis. The group's stated mission from 2009 onward has been to transform the lending ecosystem between private individuals, companies and real-estate developers on a model built around absolute transparency and ethical rigour. Over time the business consolidated its regulatory standing. Kontactalia Finance is registered in the Spanish consumer credit register under number 439/2013 and appears in the Banco de España's register of real-estate credit intermediaries under code D238. Its founder holds the EFPA España LCCI certification in real-estate credit, which the firm presents as evidence of continuous legislative and procedural updating, and he has been recognised with a Golden Star award for professional excellence. The company organises its activity through specialised group brands. Financia-T serves companies, PrestaPro serves property developers and Prestamistas.es serves private individuals. Kontactalia Finance acts as the umbrella financial division: it analyses each operation and then derives it to the brand specialised in the client's case. This structure allows the group to address distinct borrower profiles — from a private individual needing liquidity against a home to a developer financing a project — while keeping a single underwriting philosophy based on the viability of the operation and the quality of the real-estate collateral rather than on automated credit scoring alone. Its product design reflects that philosophy: loans from €15,000 to €200 million depending on the asset, LTV of up to 50% for companies and up to 40% for individuals with all costs included, nominal annual rates from 8% on large transactions (generally from 10%), and tailored amortisation — French system, interest-only or bullet — over up to 20 years depending on profile. The firm accepts high CIRBE, RAI or ASNEF records and often operates outside CIRBE for companies and developers, advertises pre-approval in 24–48 hours, and insists that signing always takes place before a notary chosen by the client. Its stated vision is to become the leading reference in alternative financing in Spain and the first option for those seeking capital outside the traditional banking circuit.

• 2013

  Kontactalia Finance is registered in the Spanish consumer credit register under number 439/2013.

• 2009

  Alejandro Melero García begins activity in the credit ecosystem, later described as the origin of Grupo Kontactalia's mission in alternative financing.

• Kontactalia Finance is registered in the Banco de España's register of real-estate credit intermediaries under code D238.

• Founder Alejandro Melero García is recognised with a Golden Star award for professional excellence.

Regulated, non-bank alternative financing secured by real estate, aimed at borrowers rejected by or underserved by traditional banks, with underwriting based on viability and collateral rather than blind scoring.

• Mortgage-guaranteed alternative loans

  Loans from €15,000 to €200 million depending on the asset, with LTV up to 50% for companies and up to 40% for individuals, nominal annual rates from 8% on large transactions (generally from 10%), and amortisation tailored to the borrower (French system, interest-only or bullet) over up to 20 years.

• Financia-T

  Group brand for companies seeking alternative financing.

• PrestaPro

  Group brand for real-estate developers.

• Prestamistas.es

  Group brand for private individuals.

1. 1Financiación alternativa | Kontactalia Financefinanciacionalternativa.net
2. 2Sobre nosotros: nuestra empresa y equipo | Kontactalia Financefinanciacionalternativa.net
3. 3Kontactalia Financewikidata.org