Fintech Harbor

The Online & Digital Lending Advisory for Consumer Finance

We’re Fintech Harbour, and we can’t wait to start collaborating together. Your vision is important to us. We’re eager to map out the needs of your business, and provide the necessary tools and advise to achieve a successful future. We are seasoned and hands-on advisor, with more that 10 years of expertise turning delivering tailored solutions on time and adapt to your strategy and market needs.


Who We Are

Solutions for your Digital Consumer Finance Success

Fintech Harbour was born with a single mission: to be the most successful, innovative and ground-breaking advisory in the digital lending landscape in Madrid. We approach each of our clients and projects with fresh eyes to develop customized, unique tactics and strategies. Let us help make your business plans a reality. Are you ready to set your digital lending product or business on the path to success? Give us a call today and see what we can do for you.

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Fintech Harbour Solutions

Adapted to your Needs

Backed by a team of experienced professionals and partners, our strategic and tactical services meet the needs of all types of clients looking for guidance and execution of their online lending initiatives in Spain - from small startups to medium size firms - and deliver lasting changes with measurable growth. Get in touch to learn how Fintech Harbour can help your future success.


Introductory Advisory

Market Expert Guidance

  • Looking to launch, re-launching, develop or implement your digital consumer finance business or online lending product and need market expertise / knowledge?

  • Need help planning or executing your actual or next project?

  • Let us guide and assist you. Any organization can move forward with small incremental changes, but building for the future in today’s rapidly evolving environment means taking bold chances and making insightful decisions and here is where Fintech Harbor does its best.

Strategic Planning Session

Grow Your Business

  • We examine what organizations are doing to stay relevant and competitive in this fast-paced world, and which ones are doing it best.

  • We then strategize using smart tools and global resources and local Partners thanks to our extensive network  in order to understand the implications of every choice our clients can make.

  • We get involved in the 5 main pillars of any digital lending product:

  1. Customer acquisition - onboarding

  2. Scoring & Underwriting

  3. Disbursement and repayment

  4. Debt Collection & portfolio management

On top of those strategic pillars, we do offer, of oucrse, all Legal support in every phase of your proyect.

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Our Projects 

Helping Businesses Blossom

Fintech Harbour solves each client’s issues by providing a comprehensive approach backed by our Partners and  seasoned professionals. Our process fosters collaboration and innovation to ensure we not only understand the core needs of clients, but also help them develop successfully. Read our success stories below.

Customer Acquisition & Credit Risk Scoring

  • SHUTTLE99’s main goal is to help online businesses with two of their main problems: customer acquisition and credit risk management.

  • Whether you're a business that needs help to make risk decisions or an that needs to acquire qualified traffic, we can help you!

  • OB-Scoring: Turn Open Banking / PSD2 bank transactions into a score


Digital Onboarding UX

  • Zenoo designs, builds and helps you optimize your digital onboarding strategy

  • Need digital onboarding set up yesterday but lack the in-house resources? Zenoo Consultancy ensures you have a world-class team of digital onboarding consultants dedicated to your project, on-demand.



Debt Collection & NPL Portfolio Management -

Nuami main focus is debt recovery using the latest technology in collection.


Risk & Fraud Prevention

Pioneer by developing Fraud & Risk solutions using AI 

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Fintech Law Firm 

An Innovative Solution by

Build credit scoring using transactional-data


Your Partner

Fintech Harbor has the best advisory partners in each pillar of the digital lending landscape from customer acquisition,-onboarding, scoring-underwriting, disbursement and payment methods and collections. 


Eduardo Marin 

Fintech Expert Advisor

Eduardo is a passionate and seasoned professional, entrepreneur and pionier in Fintech & Digital Lending Landscape in Spain and Europe; with a strong background in business strategy, sales & marketing and  business development, influenced by an international and dynamic environments in the US, Germany, France and Spain.

Eduardo´s background includes companies like Nielsen, HighCo Group, Kreditech, CrossLend, SlimPay or Ferratum Bank.

He´s also an active member of the Fintech industry and has participated in top events, roundtables and member of the  Fintech-InsurTech Association (AEFI).

Meet your future partners !

Support Center

We´ll drive you to the best response to fulfill your requirements

Our business is based on providing professional guidance , which means we receive many questions from prospects and clients. 

Every question is important to us, so don’t hesitate in reaching out.

How do I know that Fintech-Harbour is the right Advisor for me?

We manage each project and request personally. As experts in the online lending field, we bring all the right knowledge and expertise for each of the areas of the consumer finance process.

How do you customize your services for niche companies?

The Spanish market, in the online lending arena, is constantly transforming and reshaping, so it requires a pool of experience partners and his network to deliver the expected answers and solutions in each of the phases and for each profile of company knocking on our doors.

My company is struggling in a changing marketplace. Can you help us stay relevant?

We can first understand what put you in that situation by deep-diving in every area of the process from the regulatory and legal regime to your recovery tactics.

How do I start soliciting initial advisory ?

It is very simple; We first have an initial talk, filling in a simple questionnaire and have an interview to fully understand your needs and the feasibility to approach the project correctly !

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