Finomeny: Pioneering Digital-First Debt Collection

Finomeny is a digital-first debt collection platform powered by advanced AI, redefining how debts are managed across industries. We partner with clients in diverse verticals—financial services, e-commerce, BNPL, utilities, and telecom (including leaders like Telefónica)—to deliver seamless, efficient, and empathetic debt recovery solutions. Our technology streamlines complex processes, while our commitment to positive outcomes ensures clients and their customers alike benefit. With Finomeny, debt collection isn't just about recovery; it's about creating value and building trust. Join us to transform the way the world handles debt.

Finomeny is launching with a bold focus on Spain's financial services sector, but our sights are set far beyond. Backed by an international team and global shareholders, we're building a platform designed for rapid growth. By year 2, we plan to expand into key regions across Europe, Latin America, and the UAE, while diversifying into verticals like e-commerce, BNPL, utilities, and telecom. Our scalable, AI-driven platform is engineered to adapt and thrive in new markets and industries, positioning us as a global leader in debt collection. Partner with us to join a vision that's as dynamic as it is ambitious.

Our B2B2C model is built on collaboration and flexibility, enabling us to serve clients across multiple sectors, from financial institutions to e-commerce and utilities. We integrate seamlessly with our partners' systems, managing their debtor portfolios with precision and care. By treating their customers as our own, we deliver resolutions that balance efficiency with empathy, fostering trust and long-term value. Whether working with a telecom giant or a BNPL provider, our tailored approach ensures we meet the unique needs of each partner, driving results that strengthen relationships and enhance outcomes.

In Spain, we're hitting the ground running, leveraging our team's extensive network and deep industry expertise across financial services, e-commerce, and utilities. Our direct selling strategy targets top-tier clients, from banks to telecom providers like Telefónica, building partnerships through customized solutions that address their specific challenges. We don't just pitch—we listen, adapt, and deliver value that resonates. This focused approach, combined with our proven track record, positions Finomeny to quickly capture market share and establish a reputation for excellence in Spain's dynamic landscape.

We're launching with a strong foundation, aiming for €100,000 in monthly turnover during our initial 2–3 months as we build momentum. From there, we anticipate steady growth, increasing by roughly €100,000 each month to reach €1 million by year-end. These projections reflect our strategic approach, blending market demand with our ability to scale efficiently across verticals. Our focus is on sustainable growth, driven by a platform that adapts to new opportunities and delivers consistent value. We're excited to share this journey with partners who share our vision for success.

Our platform is designed to handle a wide range of debt portfolios, with transaction values spanning €100 to €10,000, depending on the industry and debt profile. From small e-commerce debts to larger utility or telecom accounts, we tailor our approach to maximize recovery while respecting each customer's circumstances. This flexibility ensures we deliver impactful results for our partners, no matter the scale or complexity of the portfolio. With Finomeny, you gain a partner who turns diversity into opportunity, driving value across every transaction.

Our pricing is thoughtfully designed to be competitive, flexible, and aligned with the needs of our partners across industries like BNPL, utilities, and financial services. By benchmarking against market standards and customizing to local and sector-specific dynamics, we offer a value proposition that's hard to beat. Our goal is to make our services accessible while delivering exceptional returns, fostering partnerships built on mutual success. With Finomeny, you get pricing that works as hard as you do, tailored to drive growth and satisfaction.

We keep fraud and chargebacks in check with a robust, AI-supported system designed for reliability:

• Smart Validation: We use €1 pre-authorizations and filter plans by debt age and payment behavior to ensure high success rates.
• Intelligent Retries: AI-driven retries target paydays, with fallbacks like pay-by-link or Bizum, cutting failures by 25–40%.
• Targeted Incentives: Offers like "Pay 20% now, reduce 30% off" with soft declines keep payments flowing smoothly.

This approach minimizes risk and maximizes trust, protecting our partners' interests across every transaction.

Finomeny operates as FINOMENY TECH S.L., a Spain-based company with a global outlook. Our details are: Business Name: FINOMENY TECH S.L. CIF/NIF: B21683370 Fiscal Address: Calle de la Sófora, 15, 28020 Madrid, España Country: Spain Telephone: +34 912 90 06 87 Contact Email: admin@finomeny.es We also collaborate with a parent company based in Luxembourg, strengthening our international presence. Further details about our structure and vision are available as our partnership discussions deepen, ensuring a conversation tailored to your goals.

Finomeny operates as FINOMENY TECH S.L., a Spain-based company with a global outlook. Our details are:

Business Name: FINOMENY TECH S.L.
CIF/NIF: B21683370
Fiscal Address: Calle de la Sófora, 15, 28020 Madrid, España
Country: Spain
Telephone: +34 912 90 06 87
Contact Email: admin@finomeny.es

We also collaborate with a parent company based in Luxembourg, strengthening our international presence. Further details about our structure and vision are available as our partnership discussions deepen, ensuring a conversation tailored to your goals.