“Can a microlending specialist use open banking data infrastructure to automate underwriting and scale financial inclusion in Spain while keeping loan decisions near real-time?”
Loaney is a Spanish financial institution specializing in microlending, offering microloans from €30 to €600 with single-installment repayment within 30 days. The company positions itself as an instrument of financial inclusion, targeting clients historically excluded from traditional banking. To scale efficiently, Loaney adopted open banking infrastructure (Powens/Unnax) for real-time bank account data, enabling automated onboarding and creditworthiness assessment in seconds.
Loaney connects to bank accounts through Powens.
The Embedded Finance Index 2026 maps 2 layers in Loaney's stack: Lending (Microloan (€30–€600, single installment, max 30 days)); Open banking (Powens).
Loaney is headquartered in Spain.
Get a read on where your own stack stands against Loaney and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.