MytripleA Offers Businesses in Spain Crowdlending Opportunities, Factoring Services, and a Way for Investors to Diversify Portfolios

MytripleA Offers Businesses in Spain Crowdlending Opportunities, Factoring Services, and a Way for Investors to Diversify Portfolios
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Matt Walker
By: Matt Walker
Posted: May 6, 2020
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In a Nutshell: MytripleA is a crowdlending platform in Spain that provides businesses and individuals with alternative paths to raising capital while delivering returns to investors. The company also provides a factoring service for its borrowers. On the investment side, clients can choose from a guaranteed return option or higher-risk investments with the chance of higher returns. The company provides both businesses and investors with a wealth of tools and resources to help guide them through the world of crowdlending.

Businesses and freelancers often need access to capital beyond what they hold in their bank accounts, whether they are just starting out or are looking to take their operations to the next level.

Banks have traditionally met this need through their business loan services — in theory anyway. The truth is that many companies and individuals may be denied traditional loans for any number of reasons that aren’t necessarily tied to the loan-recipient’s ability to pay it back.

Thankfully, companies and gig workers have other options to choose from these days.

MytripleA LogoMytripleA is a crowdlending platform in Spain where businesses have access to financing from private or institutional investors offering loans with competitive terms.

“MytripleA was born out of the need for companies to obtain financing from sources other than banking and investors to obtain an attractive return on their money by lending it directly to the real economy,” said company CEO Jorge Antón.

The company was founded in 2013 by Jorge and Sergio Antón, and has since helped secure financing for nearly 2,500 projects in Spain and earned thousands of MytripleA investors higher than average returns in the process.

“MytripleA is positioned as a leading platform in alternative financing and investment in the Spanish market with exponential growth and with increasing brand recognition in Spain and beyond its borders,” according to the company website.

With more than 40 employees, MytripleA keeps offices in Madrid and Soria.

An Alternative Financing Option for Spanish Businesses

Crowdlending has its origin in the concept of crowdfunding, according to MytripleA, which emerged in the 1990s. It served as a model to finance small projects of an artistic or cultural nature through individuals who contributed money in the form of a donation or in exchange for a non-monetary reward.

“Over the years, crowdfunding has evolved and expanded into new alternative financing models such as equity crowdfunding or the crowdfunding of loans called crowdlending,” according to the company website. “Individuals who offer their money go from being patrons to investors. Individuals and companies can get loans through this method.”

In addition to helping businesses access capital, MyTripleA also provides its clients with access to its factoring services.

“MytripleA is the only platform in Spain where companies can obtain both loans and anticipate their clients’ invoices through the factoring service,” Jorge said. “In addition, these companies can obtain loans from 2% per year.”

Businesses and individuals can obtain MytripleA’s investor-funded loans and access its factoring service all online, without ever having to leave the office, according to the company.


“We are a benchmark group in alternative financing for investors and companies, and we have made it possible thanks to connecting directly and easily the investment of private investors or companies with the financing of Spanish companies,” according to MytripleA.

Businesses and individuals may apply for a loan online at the MytripleA website, and begin the five-step process to obtain funding. Once the lender receives an application, it determines the funding worthiness of the applicant.

“The platform studies the operation and evaluates it with a rating,” according to the website. “In the case of MytripleA, with a rating from A+ (lowest risk) to F (minimum rating that the company must achieve to be published). Based on said rating, the platform sets a maximum and fair interest rate for both parties.”

Once a project is approved, it is published in MytripleA’s marketplace, and it’s there that investors can lend their money at the interest rate established by the platform.”

“Once the amount is completed by contributions from multiple investors, the money is transferred to the company,” according to the website. “From this moment on, you can only focus on your business. The platform will be in charge of collecting the fees and distributing it among the investors who have participated.”

The Potential Benefits of Using MytripleA to Diversify Investment Strategies

“For MytripleA investors, the advantage is being able to diversify their money both in risk and in products, since they can invest their money in different companies and in loans or factoring,” Jorge explained. “They can also choose if they would prefer to invest in a guaranteed way or obtain a higher return.”

Safe investments are insured by guarantee societies and guarantee a 2% annual return plus the Euribor, the basic rate of interest used in lending between banks on the European Union interbank market.

Jorge Antón

Jorge Anton is the Co-Founder and CEO of MytripleA.

“These are only offered by MytripleA Loans and have the advantage of having the endorsement of a Reciprocal Guarantee Company that guarantees 100% of the invested capital and ordinary interests,” according to the website. “If you are looking for security in your investments, this is your product!”

For those investors willing to take on more risk for the potential of higher returns, MytripleA facilitates that as well.

“In this type of investment, a higher return on the portfolio is achieved,” according to the website. “If you prefer to obtain a higher return on your investments by diversifying between different operations, you have found your product!”

The platform facilitates medium- and long-term investment options in these loans and short-term investment options in its factoring service.

MytripleA users can invest in companies for as little as €50. And the company does not charge commissions on investments.

“We do not charge any commission to the investor. Zero is zero. No small print,” according to the company.

MytripleA currently has more than 5,500 investors registered on its platform. These users have collectively invested €93,624,554 in companies, and have earned €1,738,216 in interest.

An Award-Winning Platform That Provides Customers with Valuable Financial Literacy Resources

MytripleA not only offers its robust crowdlending platform for companies and investors, it also provides a wealth of tools and information to help users get the most out of its services.

Borrowers can count on MytripleA’s commitment to clearly define the loan terms risks and conditions of its financing and investment products.

“No hidden fees or fine print,” according to the website. “You will know all the characteristics from the beginning.”

Borrowers gain access to an easy-to-use control panel where they can check past and future payments, and much more, according to the company.

MytripleA Screenshot

MytripleA provides its borrowers and investors with a wide range of tools and resources to learn about the world of crowdlending.

And it provides a free, in-depth guide about the world of crowdlending when it comes to financing businesses.

“With this complete guide on crowdlending financing for companies, you will know everything about this alternative financing to banking, where better conditions can be achieved and in an agile and transparent way,” according to MytripleA.

Companies can also take advantage of a number of handy tools, including a loan simulator, an expert portal, a financial dictionary, and a blog that addresses a number of finance topics.

Likewise, investors can also download a free guide.

“With this complete guide to investment in crowdlending you will learn in detail about this financial alternative in which you can make your money profitable, lending it directly to Spanish companies previously analyzed and without having to give up the security of your money,” according to the company.

Investors can also use MytripleA’s profitability simulator and also gain access to the expert portal, financial dictionary, and extensive blog as well.

Jorge said the company also prioritizes customer feedback it receives via email and social media channels and regularly evaluates ways to improve or expand its services.

“At MytripleA, we are constantly evolving and thinking about new services to offer our clients,” Jorge said.

The company has been recognized by the fintech community with multiple awards for its role as an innovative company in Spain.