Focused on the user and their needs, the TRIOTECA platform makes use of artificial intelligence to provide personalized recommendations based on the financial profile. In 2022, mortgages worth +1.5 billion euros were approved.
In Spain, 1,840 mortgages are signed every day, and aware of the increasing number of people who prefer to carry out their financial transactions as quickly as possible, TRIOTECA offers a comprehensive service from start to finish, allowing users to carry out each of the stages of the online process, from comparing offers to signing the mortgage, eliminating the need to go to a bank branch and, consequently, significantly reducing the time and costs associated with managing a mortgage.
The company, founded by Ricard Garriga and Sara Orra, Spanish entrepreneurs with previous experience in the technology sector, and led by the steering committee, including Ricard Martí CTO, Clara Llongarriu PMO and Yolanda Guerrero as director of people, meets the needs of anyone interested in obtaining a mortgage in Spain and who value the transparency, efficiency and convenience of a comprehensive digital solution for online mortgage management. Traditionally, the process of obtaining a mortgage has been complex and opaque, leading many consumers to feel overwhelmed and confused. TRIOTECA addresses this problem by offering a platform that, through the use of artificial intelligence, it automates much of the mortgage application process, offering, in turn, a more efficient and transparent experience. In addition, through the use of artificial intelligence, users obtain real-time answers and personalized recommendations, allowing them to obtain an overview of the different options available and make an informed decision about the mortgage that best suits their needs. Thanks to its innovative model, the company has built strategic alliances with the vast majority of Spanish banks, such as La Caixa, BBVA, Santander, Banc Sabadell, EVO, allowing them to offer users of their platform access to mortgage offers from a wide range of banks.
Since its launch in 2018, TRIOTECA has experienced rapid growth in Spain, achieving a constant increase in the number of users of the platform, approving 50 mortgages per day. The company has received investment from internationally recognized Fintech players such as the American fund FinRebel or the founders of Lendi, the leading digital mortgage broker in the Australian market, among others, which has allowed it to accelerate its expansion in the market.
How has Intelectium helped them?From Intelectium we have worked together with the TRIOTECA team to achieve a Enisa Growth worth more than 600,000€, which will allow the company to continue growing and expanding in the Spanish market. From Intelectium, we have become the leading financial partner for TRIOTECA. The first help we got for them was the Enisa loan. We will keep you updated on the company's news!
Enisa Growth
La Línea Enisa Growth 2023 offers participatory loans of up to 1.5 M€ to improve the competitiveness of companies, for companies that audit accounts. For those companies that do not audit accounts, the aid limit will be €300,000.
- Main requirements: The company must be more than 24 months old. The business model must be innovative or novel, and cannot, as a general rule, be framed in the real estate or financial sector. Own funds must be at least equivalent to the amount of the loan.
- Interest rate: A first tranche with Euribor +3.75% and a second tranche with variable interest depending on the company's financial profitability, with an established maximum limit of an additional 8%.
- Commissions: Opening commission of 0.5% of the capital granted.
- Expiration: The amortization of the loan is up to 9 years, including the grace period that lasts up to 7 years.
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