Pan Finance Spotlight Series: Nemuru

Nemuru was founded to address and resolve the frictions in the financial world by uniting companies, their clients, and banks through an agile, flexible, and omnichannel financing platform. The company revolutionizes the consumption of products and services, offering a seamless and efficient solution to meet diverse financial needs.

Nemuru's mission is to democratise access to financing, enabling customers to unlock their spending potential and helping businesses and lenders grow. Traditional banks often provide financing solutions to a majority of the public, but significant groups of consumers still lack full access to financial options or face difficulties obtaining financing for specific needs. Nemuru bridges this gap by offering lending solutions for merchants, platforms, and banks, ensuring better service for final customers and facilitating business growth.

Founded in 2018 and based in Barcelona, Spain, Nemuru consists of enthusiastic professionals committed to revolutionising consumer lending. The company provides a credit-as-a-service platform that allows businesses, platforms, and lenders to enhance their sales and portfolios. The platform acts as a credit intermediary, offering an advanced API that can be easily integrated by merchants, platforms, payment gateways, or lenders to provide customized lending solutions.

Nemuru offers various financing options, including Buy Now, Pay Later (BNPL), Point of Sale (POS) financing, consumer financing, auto loans, and white-label lending platforms. The platform manages the entire financing process, from client self-management of loan requests to payment processing, ensuring a hassle-free experience for businesses and their clients.

The team at Nemuru comprises curious, ambitious, and enterprising individuals with extensive professional and personal experience. They work with the mission of generating a positive impact on people, society, and the work environment. Nemuru's goals and objectives are centered on providing high-quality solutions both in technology and personal relationships with users. The company's short-term focus is on scaling its business model and adapting to constant change, while its long-term challenge is to achieve continuous and sustainable growth.

Through its innovative approach and customer-centric philosophy, Nemuru is set to transform the consumer lending landscape, making credit services accessible, simple, and convenient for all parties involved.

Pere Monràs - CEO & Co-founder

Enric Gilabert - Co-Founder and CIO?

Alex Agramunt Larraz – Head of Finance & Strategy