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▶ 6:20 · Payments & Banking Infrastructure · Debt funds replace banks for scaling services roll-ups

now playing · Payments & Banking Infrastructure

Private Marketstailwindscore 8/10josé luis cogolludo

Roll-up consolidation wins in fragmented Spanish advisory market

The Spanish accounting and tax advisory market is 95% firms with fewer than five employees, creating a large consolidation opportunity. Afianza shows a buy-and-integrate model works: acquir…

Payments & Banking Infrastructuretailwindscore 7/10josé luis cogolludo

Debt funds replace banks for scaling services roll-ups

Traditional banks lend on trailing EBITDA (3x) and require rigid scoring, while debt funds underwrite projected growth, offering larger facilities (Euribor+6% vs Euribor+2%) with delayed dr…

AI Applicationstailwindscore 7/10josé luis cogolludo

Professional services automation blocked by fragmentation, now viable at scale

No software vendor builds for 5-person firms (95% of market), leaving legacy systems that can't handle scale. At €80M revenue, Afianza can finally fund proprietary client portal and OCR/aut…

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