The beginning
2014
Svetlo Penkovski founds Finansi Group in Barcelona.
Our story
We build digital infrastructure connecting demand, data and growth.
KOVA develops technology companies specialising in demand acquisition, distribution and monetisation. We create our own digital products, operate performance technology and work with companies to turn intent into sustainable growth.
12 yearsbuilding and scaling businesses
25+active markets
3 hubsValencia, Porto and Mexico
International talent
10+
Nationalities combining local expertise with an international perspective.
What we are building
More than a company. An ecosystem of digital products.
KOVA brings together marketplaces, comparison platforms, digital brands, distribution tools and proprietary technology. Each company solves a different part of the same system: capturing intent, processing data and connecting opportunities with the right solution.
Our story
More than a decade building products for real markets.
We began by solving real acquisition and distribution challenges. Since then, we have launched brands, products and technology infrastructure that now operate across different markets, verticals and business models.
First product
2015
We launch Kreditiweb and open our first offices in Barcelona.
Growth
2016
The team and operations grow, and we move into larger offices.
Expansion
2017
We launch Sofkredit, our own private financing service.
Consolidation
2018
We reach our first million in revenue and enter a new phase of operational maturity.
Valencia HQ
2019
We move from Barcelona to Valencia, which becomes our main operational hub.
Resilience
2020
During a challenging year, we begin working with French companies and strengthen our international outlook.
International expansion
2021
We launch MrFinan and begin operating in Italy.
New horizons
2022
MrFinan expands to the United StatesandGermany.
Latin America
2023
We launch Finandon and open our first office in Mexico City.
New brands
2024
We open our new headquarters in Valencia and create Loanko.
Present day
2025
We open an office in Portugal and expand our presence within the Portuguese financial ecosystem.
01
Our mission
Turn intent into business opportunities through products, data and technology.
We design the assets where demand originates, develop the technology that processes it and build operations capable of turning every opportunity into a measurable result.
02
Our vision
Build the next generation of demand-driven companies.
We aim to expand an international ecosystem where digital products, data and artificial intelligence make it possible to launch new companies, enter new markets and scale operations more efficiently.
How we build KOVA
We think long term. We build before we scale.
We work with people who understand the problem, challenge established thinking and turn ideas into products that work.
We combine autonomy, data and accountability to move quickly without compromising quality or judgement.
Data-driven decisions
We measure before deciding and share the context required to move forward effectively.
Shared building
Product, technology, marketing, sales and operations work as one system.
Real accountability
Every decision has an impact. We take responsibility for what we launch and operate.
Technology with purpose
We apply technology when it improves the product, the operation or the user experience.
Continuous improvement
We launch, measure and improve. Ideas only create value when they work in the market.
Long-term vision
We build assets, relationships and companies capable of growing beyond a single campaign.
The people behind the system
Product, technology and operations under one shared vision.
KOVA brings together specialists in product, engineering, artificial intelligence, marketing, data, sales and operations. Different teams work on a shared infrastructure to launch, measure and scale digital products.
Leadership
Svetlo Penkovski
Founder & CEO
Defines the group's vision and drives the creation, expansion and operation of new companies within the KOVA ecosystem.
Celia MayorCOO · Operations and growth
Ezequiel CousoCFO · Finance and strategy
Selma MejíaCTO · Technology and product
María RosasOperations · Coordination and execution
Jorge BlascoBusiness Development · Partnerships and expansion
José FernándezProduct and technology · Development and innovation
How we work
We design products. We operate technology. We scale markets.
Our work does not end when a campaign begins. We design the products where demand is generated, develop the technology that processes it and operate the infrastructure required to turn it into growth.
HybridFlexibility and collaboration
InternationalTeams across three hubs
PracticalIdeas become products
Build with us
Would you like to build products that reach real markets?
We look for people with initiative, sound judgement and curiosity who can solve complex problems and turn them into products, systems and operations that create real impact.
Recognised impact
We value work done well, personal accountability and the ability to improve the system.
Flexibility with accountability
We work flexibly, with clear objectives and accountability for results.
Growing challenges
New products, markets and business models that keep us learning and growing.
Shared context
We share information, challenge decisions and solve problems as a team.
Join KOVA
Your next project could start here.
If you are interested in building digital products, operating technology and solving challenges that change across markets, you may be a great fit for KOVA.
We keep building
KOVA's next company is still waiting to be built.
Every new company, integration and market expands KOVA's infrastructure. Talk to us about growing with our products, collaborating with the ecosystem or joining the team.
Talk to KOVA