Questions about borrowing, answered plainly

No. Corentis is a technology platform, not a lender or financial institution. Lending is carried out by the licensed financial entity that operates the product. Corentis provides the software the entity uses to run a compliant lending process — it makes no claim to any licence or regulatory registration on its own behalf.

Products built on Corentis are designed first for companies and self-employed borrowers (autónomos). The operating entity can also configure consumer lending where its licence allows. Whether you can borrow depends on the specific product, the operating entity's policy, and the outcome of identity and creditworthiness checks. Exact eligibility criteria are confirmed by the operating entity before launch.

Before any disbursement, the operating entity completes identity and financial-crime checks: KYC (know-your-customer) for individuals, KYB (know-your-business) for companies, anti-money-laundering (AML) checks, and screening against sanctions and politically-exposed-person (PEP) lists. Enhanced due diligence and source-of-funds checks may apply on a risk basis. No application moves to signing or disbursement before these checks are complete.

Your income, existing obligations and repayment capacity are assessed for affordability, using the information you provide and consented external sources such as credit bureaus. The aim is to check that any borrowing is sustainable, not just that you are eligible. An offer is only generated after this assessment.

No. Approval is never guaranteed, and credit is not risk-free. Every application is subject to a creditworthiness assessment, and submitting an application is not an offer of credit. Only borrow what you can afford to repay.

Before you commit you see the full cost of credit: the nominal interest rate (TIN), the annual percentage rate (TAE), any fees, the total cost of credit and the total amount payable over the term. You can see a worked representative example on the pricing page.

For business lending, the terms — including any early-repayment compensation — are set out in the pre-contractual information and the agreement itself, so you can review them before signing. You can repay early, in full or in part, at any time, with any compensation applied within the limits agreed and disclosed up front. Where consumer credit applies, the borrower additionally has the statutory right to withdraw from the agreement within 14 calendar days without giving a reason, repaying principal plus accrued interest as disclosed. Exact statutory periods are confirmed for the applicable product before launch.

The operating entity uses identity, contact, financial and affordability data, supporting documents and device or usage data. Where automated assessment is used it is designed to be explainable, and you have a route to human review of an automated decision where applicable. Full detail on data and your rights is in the privacy policy.

You can raise a complaint at any time. Start with customer support, then submit a formal complaint to the operating entity's customer-care service, which acknowledges and handles it within the applicable timeframe. If it remains unresolved, you can escalate to the competent external dispute-resolution body. See the complaints page for the full process.