Finetic Consulting blog

What a manufacturing business or factory costs in Spain (median €750,000, 4.7x pre-tax profit), industrial unit prices, environmental permits, staff and checks. Calculat…

What warehouses cost in Spain (313 listings from 2026, median €780/m²), rents of €4–6/m², 5–8% yields, tenanted units, soil and fire checks, VAT or ITP, taxes. Calculato…

What a solar farm costs in Spain (≈€650,000 per MW), projects vs building, the grid connection, €36/MWh captured price, old regulated plants, taxes and checks. Calculato…

What a hectare of olives, citrus and almonds costs in Spain (Ministry data and 47 listings from 2026), water rights, income per hectare, CAP subsidies, taxes and checks.…

What Spanish companies sell for (80 listings, 2026), shares or assets: debts, staff, leases, ITP and VAT, due diligence, form D-1A for foreign buyers, financing. Calcula…

What a hair salon, barbershop or beauty salon traspaso costs in Spain (median €22,000), opening from scratch, permits, stylists, chair rental, taxes and checks. Calculat…

What a food truck or food trailer costs in Spain (median €10,000 from 204 listings), whether you need a licence, where trucks may trade, ITV, hygiene and tax. Calculator.

What a car rental business costs in Spain (median €249,000), opening with a new fleet, Canary and Balearic rules, registration tax exemption, staff and payback. Calculat…

What a car wash traspaso costs in Spain (median €30,000), hand wash, self-service bays and tunnels from scratch, discharge permits, drought rules, staff, taxes and check…

How to start a construction or renovation company in Spain: start-up costs, REA registration, health and safety, insurance, 10% VAT on renovation, wages and payback. Cal…

What a gym traspaso costs in Spain (median €57,000), opening from scratch, leased equipment, noise rules, trainer qualifications, 21% VAT and checks. Calculator.

What a language academy costs in Spain (median €35,000), opening from scratch or a franchise, permits, Cambridge and DELE centres, nurseries, VAT and modules, checks. Ca…

What a petrol station costs in Spain (median €700,000 with land), traspaso and operator-let sites, branded or independent, permits, EV charging, margin per litre, taxes.…

What a supermarket or convenience store traspaso costs in Spain (median €30,000), freehold shops, Dia franchise terms, hours, alcohol and tobacco rules, taxes and checks…

What a vineyard hectare and a winery cost in Spain by region, grape and wine prices, revenue per hectare, payback, taxes and what to check before buying. Payback calcula…

What a rural hotel or guest house costs in Spain (about €100,000 per room), rules in Andalusia, Valencia and Catalonia, land and water checks, 27% INE occupancy. Calcula…

Can you buy a chiringuito in Spain? Seasonal permits and concessions under the Coastal Law, 2026 tender fees, listing prices, seasonal payback and what to check. Calcula…

What a restaurant traspaso costs in Spain (median €89,000), freehold and beach restaurants, opening from scratch, kitchen licences by region, staff, taxes and checks. Ca…

What management reporting is, how it differs from financial accounting, what it includes, the main formats, a plan-vs-actual example, how to set it up, and how it works …

What a cash gap is, temporary vs structural gaps, the cash conversion cycle formula, a worked Spanish SL example, a cash-flow calendar, what to do and how to avoid it. C…

Revenue vs income vs profit in plain terms, what EBITDA and EBIT are, EBITDA margin, a worked example of a Spanish SL from revenue to net profit, and Spanish account lin…

How to calculate a project’s payback period: simple and discounted payback formulas, a worked example, Excel, what a normal payback is, and how it compares with ROI, NPV…

What NPV means, the net present value formula, a worked example, NPV and XNPV in Excel, how to choose a discount rate, NPV vs IRR, and a calculator with IRR and payback.

What a garage traspaso costs in Spain (median €59,000) and opening from scratch, RD 1457/1986, licences and waste, sector margins, payback and what to check. Calculator.

What it costs to open or buy a self-service laundromat in Spain, royalty-free franchises, revenue and costs, licences, module taxation and what to check. Payback calcula…

What a small hotel or hostal costs in Spain (€97,000 per room), INE occupancy and room rates, 4–6% returns, limits in the Balearics and Canaries, and what to check befor…

What it costs to buy a campsite or build a glamping site in Spain, regional rules, rural land and DIC, occupancy and revenue, 6–10 year payback, and what to check before…

What a café or bar traspaso costs in Spain (median €75,000) and opening from scratch, what a traspaso includes, regional licences, modules, payback and what to check. Ca…

What IRR means, the internal rate of return formula, a worked example, IRR and XIRR in Excel, what a good IRR is, where IRR misleads, and a calculator with NPV and payba…

How to pay yourself from a Spanish SL in 2026: director's salary, dividends, shareholder loans, self-employed contributions, worked figures at €50–400k profit and a calc…

Spanish holding companies in 2026: the 95% exemption on dividends and gains, selling a stake personally vs via a holding, the ETVE regime, tax-neutral share transfers, t…

What burn rate and runway are, gross vs net burn, a monthly model, what to add in Spain (social security, VAT, payment terms, ENISA), burn multiple, default alive and a …

What a cap table is, how to calculate dilution from pre-seed to Series A, option pool and SAFEs, anti-dilution, the cap table of a Spanish SL, a calculator and a free Ex…

How to calculate pre-money and post-money, the Berkus, Scorecard, Risk Factor Summation and VC methods with calculators, one startup valued four ways, and valuation in a…

What a pitch deck is, the 12 slides and what investors look for on each, how many slides, send-ahead vs presentation decks, the round slide, pitching in Spain, mistakes …

Why investors want a team before the deal: 10 reasons, who counts as the team, how to build it without money — vested equity, options, deferred pay — and what to do if a…

How to value a business before selling: normalising profit, multiples, DCF and net assets, a worked equity value example, what raises and lowers the price, selling in Sp…

How to value cash, work and the idea, a worked equity split example, 4-year vesting with a 1-year cliff, leaver rules and how to secure it all in a Spanish SL.

The stages a startup goes through, how pre-seed differs from seed and Series A, who invests at each stage and what they expect, round sizes and how it works in Spain.

Investor types — VCs, business angels, crowdfunding, family offices, corporates: terms, pros and cons, assessment criteria, where to look by stage and in Spain.

How ENISA assesses a startup visa project: innovation, scalability and the financial section. Which numbers the form asks for, the funding scheme and the 4-year forecast.

What counts as founder commitment — cash, loans, IP, deferred pay — how much to put in, ENISA's own-funds requirement, documenting it in a Spanish SL and a contribution …

Free startup readiness check: answer 20 questions on team, market, unit economics, offer and risks, get a score per block and see what investors will question first.

How to win an investor with no collateral and a low pre-money: milestone tranches, covenants, 1× preference, three deal configurations, conversion maths, Spanish SL stru…

What an MVP is and how it differs from a prototype and PoC, no-code MVP types, the investor risks it reduces, metrics, 6 steps to build one, examples and a checklist.

Is your MVP investor-ready? Check the 10 points investors look at — segment, conversion, retention, CAC payback — and score yourself with the interactive checklist.

Why an idea is not yet an asset, how investors see risk, what to check first, which documents each stage needs, what to add for Spain, three preparation routes and the t…

Why AI answers are averaged, where AI helps a startup and where a person is needed, how to set tasks, what investors notice in AI-written documents, summit examples.

The Finetic founder's answers at the summit: 9 questions of an investment strategy, packaging vs consulting, why not work for a percentage, a founder's first steps.

What unit economics is, how to calculate CAC, LTV, margin, payback and churn, a full worked example, LTV/CAC benchmarks and mistakes that make a model look too good.

How to check a financial model: actuals comparison, balance checks, sensitivity and stress tests, sign-off and monthly updates — with a checklist.

How to set relationships, choose the level of detail, build scenarios and organise assumptions in a financial model: steps 10–14 and a model with 18 scenarios.

How to link a sales forecast to the roadmap, success markers and resources: steps 5–9 of the financial model method, a sales plan example and common mistakes.

What a financial model is, which sheets it has, which metrics investors check and where to start: a 20-step method, common mistakes and an NPV and IRR example.

What investors want, setting goals and limits on concessions, the documents you need, term sheet terms with a stake calculation, investor questions, follow-up and a chec…

The partnership between Finetic Consulting and the international Partner Group Network: presenting a project to investors, independent assessment, contacts and how to pr…

Partner or investor, the role you need at each stage, what to prepare, how to write the listing, where to search online and in Spain, how to test a partner and formalise…

How a niche differs from an idea, 5 steps to find and test a niche, sizing the market with TAM, SAM and SOM, checking a niche in Spain, plus a scoring checklist.

The fundraising process: materials, investor list, outreach, meetings, due diligence, term sheet and closing — with a walkthrough of a Vestbee profile and application.

How much it costs to start a business in Spain in 2026: SL set-up from €140 in fees, €1 capital, running costs from €2,000 a year, SL or autónomo, corporate tax. Calcula…

Who should launch a startup, 8 steps from mission and MVP to financial plan and investors, what to do yourself and where you need an expert, and launching in Spain.

Why good projects are hard to find, the deal funnel, 7 startup evaluation criteria, a due diligence checklist, checking a Spanish SL and the 50% income tax relief condit…

ENISA loans up to €1.5m, CDTI Neotec up to €250,000, empresa emergente status at 15% tax, a 50% investor tax credit, regional programmes. Checked against the law.

Where to find calls, how selection works under Spain's Subsidies Act, which documents you need, why applications fail, when money is paid and how to avoid a cash gap.

What traction is, which metrics to show for SaaS, marketplaces, e-commerce and B2B, what investors expect at pre-seed, seed and Series A, and traction before revenue.

Equity via an SL capital increase, convertible loans, SAFEs, participating loans: how each instrument works under Spanish law, with pros and cons for founders.

The four types of crowdfunding, how a campaign works, what to prepare, EU Regulation 2020/1503 and the CNMV in Spain, fees, and pros and cons for founders and investors.

Who business angels are, six myths about them, seven steps to an investment, how they assess startups, plus angel networks, the 50% tax credit and ENISA in Spain.

What a startup concept is, its 7 building blocks, how it differs from a business plan and deck, how to write one in 7 steps, a one-page template, an example and 6 myths.