ABOUT US
Why Kova Builder exists💥
Kova Builder was created to solve a recurring problem:
Great service businesses struggle to acquire and convert demand efficiently, even when the service itself is valuable and the market opportunity is clearly there. We build companies that fix that problem at scale.
2014


Svetlo Penkovski founded Finansi Group in Barcelona 🏅


2015
Launch of our first product: Kreditiweb! We opened our first offices in Barcelona 🌟


2016
We are moving again! this time to a bigger office 😎














We launched Sofkredit, our own private equity lending service 🫱🏻🫲🏾
Pandemic hit us hard, but we started collaborating with French companies! Oh là là 🥐
We launched Finandon! We opened our first offices in México! 🌮
We reached our first million turnover! 🤑
👋🏽 Goodbye Barcelona! We moved to Valencia 🍊
We launched MrFinan & started trading on la bella Italia 🤌🏽🍝
❤️ We opened our Headquarters in Valencia and we create Loanko ⚖️
MrFinan starts rocking on the USA🤘🏼& also Germany!! 🥨
Hello Portugal! We opened our office and entered the Bank of Portugal
2017
2018
2019
2020
2021
2022
2023
2024
2025
Our history
Our mission
At Kova Builder, our mission is to design and scale the next generation of tech-enabled companies that transform how services operate and grow.
We identify structural inefficiencies in fragmented markets and convert them into scalable, innovative, and profitable business models. By leveraging data, automation, and performance-driven systems, we build sustainable growth engines that create long-term impact and redefine industry standards.
Our vision
To become the leading venture builder for complex, service-based industries, building and scaling the next generation of tech-enabled, revenue-driven companies across multiple markets and geographies.
Our vision is to systematically identify inefficiencies in fragmented sectors and transform them into structured, scalable businesses powered by data, automation, and performance-driven growth models — creating a global portfolio designed for long-term value, operational excellence, and continuous market evolution.
Team Kova Builder




Svetlo Penkovski
Founder & CEO




























Celia Mayor
Ezequiel Couso
Selma Mejia
María Rosas
CLO
Thomas
Motivation Manager 🐾 CEO lover
Jorge Blasco
Raffaele Cortese
UX, UI & Brand Manager
Paid & SEO Manager
COO
CFO
CTO
















Judith Tavira
Petru Pastela
Jose Fernández
Ivan Yaroslavskyy
Legal & HR Manager
Platforms Manager
Project IT Manager
Backend Manager
Our mission
At Kova Builder, our mission is to create the next generation of tech-driven startups that transform industries and solve real-world challenges.
We focus on identifying market inefficiencies and turning them into scalable, innovative, and profitable businesses. Our goal is to drive long-term, sustainable impact by using cutting-edge technology and data-driven strategies to disrupt markets and redefine industries.
Our vision
To be the world’s leading Venture Builder, building and scaling high-performance digital startups that lead the way in innovation and disruption.
We aim to redefine industries by creating businesses that aren’t just profitable, but that set new standards for what’s possible, delivering lasting value and making a real difference in the world. Our vision is to empower companies that challenge the status quo and build a future of continuous growth and transformation.
Our values
The Kova culture is defined by ethical and professional principles that constitute our philosophy and define the way we work.




Transparency
Collaboration
Integrity
Innovation
Improvement
Commitment
We prioritize transparency, communicating openly and accurately to foster trust and ensure clarity in everything we do.
We foster teamwork and collaboration, uniting diverse skills to create a dynamic, innovative, and productive work environment.








We uphold honesty, reliability, and ethics, ensuring consistency in our actions and building lasting trust with our people.
We constantly seek cutting-edge technology to meet market demands, staying ahead of trends and innovating.
We focus on continuous improvement, optimizing products, services, and processes to enhance quality, performance.
We are committed to our goals, tackling challenges with focus, perseverance, and determination to exceed expectations.
