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MytripleA is a Spanish lending platform, founded in Soria in 2013 by brothers Jorge and Sergio Anton, where private investors from 50 euros fund loans and invoice advances to Spanish small businesses.
Its main product is the guaranteed loan. A regional mutual guarantee society, supervised by the Bank of Spain, guarantees 100% of capital and ordinary interest on first demand; roughly 40% of that exposure is counter-guaranteed by CERSA, a Spanish state body, which is itself counter-guaranteed by the European Investment Fund. If a borrower misses three monthly payments, the guarantee society pays those instalments within 60 days or settles the whole loan early. These loans returned 5.05% in 2024 and have never recorded a default. They were 61% of the loan book to 2020 and are about 97% of recent lending, so they are what most investors here actually hold.
Two other products sit alongside, and neither is guaranteed. Unguaranteed measured-risk loans, rated A to F by the platform, pay 3% to 10% over 12 to 18 months. This is where the losses are, and the book has largely wound down: of the money still outstanding from it in August 2023, 91% was in default. Invoice advances pay 3% to 7% over Euribor for about three months, with credit insurance the platform describes as something that may exist rather than something that always does, from an insurer it does not name.
The lending side holds a CNMV crowdfunding licence, number 10 since October 2023, and its own Bank of Spain payment institution licence, so investor cash sits in a regulated payment account, though with no deposit guarantee.
The factoring side runs through a separate group company that no regulator supervises and that appears on the CNMV's public list of unauthorised entities - MytripleA states this itself on every factoring page. Investors pay no fees; the group earns from the businesses it finances. The site is Spanish only, and the public statistics stop at loans made in 2020.
License / Regulation: ECSPR (CNMV); factoring arm unsupervised | Licence 10 |
MyTripleA offers peer-to-peer loans primarily to SMEs in Spain. The loans can be either guaranteed or non-guaranteed. Guaranteed loans involve backing by SGRs, reducing risk for investors. Non-guaranteed loans offer potentially higher returns but with increased risk. The platform caters to both retail and professional investors, providing investment opportunities in a range of industries from manufacturing to services
On the last published volumes, covering 2015 to 2020, guaranteed loans were 53.1 million euros and unguaranteed loans 34.3 million, so 61% of the loan book carried a guarantee. Add the other two lines, 44.0 million euros of factoring and 9.4 million of confirming, and guaranteed loans were 38% of all investor money. The mix has since shifted hard: on the regulatory disclosure, guaranteed loans are roughly 97% of everything lent since 2022, although total lending has collapsed from 266 loans in 2020 to 59 in 2024. The gap nobody can close is factoring. Its credit insurance is described as something that may exist rather than something that always does, the insurer is not named, and no factoring figures have been published since 2020. So the share of investor money that has ever been protected is somewhere between 38% and 69%, and the platform publishes nothing that would narrow it.
Brothers Jorge and Sergio Anton founded the company in 2013 and launched it in 2015. Jorge Anton is the sole registered administrator and general director of the licensed entity — a lot of power in one pair of hands — and a single holding company, MytripleA Valores, owns the whole group; its ultimate owners are not disclosed. The advisory board carries weight: a former BBVA head of investment banking, a co-founder of Idealista and a former Amazon-BuyVip technology chief. Accounts are audited by Eudita Exeltia. Staff numbers are not published.
On guaranteed loans the process is precise: after three months of arrears the guarantee society must pay the three missed instalments — capital plus ordinary interest — or pay off the whole loan; you never chase the borrower yourself, though payouts can lag and late-payment interest is not covered. On everything else, MytripleA contacts the borrower, then hands the case to a collection agency or law firm — which takes an unpublished percentage of whatever is recovered, plus legal costs, before you see anything. No recovery statistics have ever been published, and investor accounts describe cases dragging on for years without updates.
Nothing, on paper: MytripleA currently charges investors no commission, withdrawals are free, and there is no account or management fee. Three real costs still bite. On defaulted loans, the collection agency's percentage and any court costs come out of your recovery before you are paid. If MytripleA buys an invoice position back from you early, it deducts the 1% transfer tax it incurs. And Spanish tax: 19% is withheld at source on loan interest. The platform earns from borrower-side fees and the factoring discount, which is how the zero-fee offer is funded.
Yes — sustained and specific. Trustpilot rates MytripleA 3.0 out of 5 from 16 reviews, 56% of them one-star: a December 2025 reviewer could not get an account verified for weeks; a March 2025 reviewer described a loan in default for five years; another reported money stuck three years with no court updates. An eleven-page Rankia forum thread running to March 2024 repeats the same themes — weak vetting, evasive answers on recoveries, negative overall returns on unguaranteed loans — with some users proposing a joint complaint, while others defend the guaranteed loans and confirm the guarantee society has paid out in full. The most serious formal item: MytripleA Gestion, the unregulated company running the factoring line, has been on the CNMV's public list of unauthorised entities since at least March 2021. No sanction, fine, court judgment or insolvency was found against any group company.
That is the question the platform does not answer. It works with ten regional societies but names only two (Avalam and Afin), and never tells you which one stands behind a specific loan — even though the guarantee is only as strong as that particular institution. Also worth knowing: the guarantee excludes late-payment interest, and you can wait up to six months from the first missed payment before it pays. And there is no maximum on how much you may invest — the platform reads the EU rules as imposing categorisation, not limits.
Businesses apply online and MytripleA assigns unguaranteed loans a rating from A (safest) to F (riskiest), though it never explains what goes into the score or how each grade has performed. For invoice advances it sets a credit limit per invoice debtor before invoices can be listed. For guaranteed loans there is a genuine second check: the regional guarantee society does its own independent credit assessment before agreeing to back the loan, which is why that book has behaved so differently. What you will not find is an approval rate, the scoring method, or any table linking grades to actual defaults — and forum critics argue the vetting of unguaranteed borrowers is too loose.
