Finetic Consulting blog

How to get the Spain digital nomad visa in 2026: requirements, income from €2,849 and for families, documents, UGE filing, timelines, fees, taxes, Beckham and a full-yea…

Startup accelerators and incubators in Spain in 2026: Lanzadera, Decelera, BStartup, Wayra, SeedRocket, what they invest, how much equity they take, dilution and red fla…

EU AI Act (Regulation 2024/1689) after the Digital Omnibus: deadlines, risk classes, AESIA and Spain's bill, fines in euros, compliance costs and AI startup due diligenc…

Licence types under Spanish law, royalty rates by industry, the 25% rule and relief from royalty, 24/19% withholding and treaties, VAT, Patent Box and transfer pricing, …

Corporate compliance in Spain: the Article 31 bis model, whistleblowing from 50 staff, AML, company fines, programme costs and how compliance affects deal value in M&A.

What lex mercatoria means, the UNIDROIT Principles and the CISG, which law governs a Spanish company's contract, and how it changes interest, currency, penalties and dam…

ICC arbitration costs for a company in Spain: 2026 cost scale and calculator, full budget for a €2–10m dispute, duration, third-party funding, damages and provisions.

What FIDIC contracts are, how the 2017 Red, Yellow and Silver Books differ, how they work in Spain, and how advance payment, interim payments, retention and delay damage…

Incoterms 2020: chart of the 11 rules, risk transfer, EU customs value, Spanish import VAT, revenue timing and an EXW vs DDP calculation for a €400,000 shipment.

What a takeaway traspaso costs in Spain (median €28,500), kebab and pizza shops, opening from scratch, licences, extraction, Glovo and Uber Eats fees, dark kitchens, tax…

What a bakery traspaso costs in Spain (median €48,500), bakehouse or bread shop, opening from scratch and franchises, permits, night shifts, 4% VAT on bread and checks. …

What a padel club costs in Spain (traspaso median €290,000, about €45,000 per court), opening costs, court roofs, noise, 21% VAT and pre-purchase checks. Calculator.

What an investment memorandum is and how it differs from a pitch deck, business plan and CIM: 12 sections, a worked example, a template structure and EU prospectus rules.

13 active VC firms investing in Spanish startups in 2026, with cheque sizes by stage, angel networks, ENISA and Fond-ICO co-investment, and how to pitch a fund.

What a franchise costs in Spain: 65 franchises in 2026 — entry fee, royalties, marketing levy, investment; buying a franchised outlet, contract checks, coffee shop examp…

How to open a business bank account in Spain for an SL: capital certificate, documents and beneficial owner, why banks refuse, bank vs neobank, €100,000 cover, accounts …

How a Spanish SL can invest surplus cash: deposits, Treasury bills, funds, ETFs, property. 2026 corporate tax, the art. 21 exemption, patrimonial status and a €1.5m exam…

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, what goes in a monthly management reporting pack, a report format template, reporting by management level, and management vs financial repo…

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…

The payback period formula for equal and uneven cash flows, the discounted payback formula, worked examples, Excel steps, what a normal payback is, and a calculator.

The NPV formula with step-by-step examples, the shortcut for equal cash flows, NPV in project management, NPV vs IRR, NPV in Excel, and a calculator with IRR and payback.

Car repair garage or mechanic shop for sale in Spain: traspaso prices (median €59,000), opening costs, licences and waste rules, margins, payback and what to check. Calc…

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…

Business valuation for sale step by step: normalised profit, a 3–5× profit benchmark in Spain, net debt, a worked example of an SL with €1.5m revenue, documents and time…

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.

Where to find investors for a startup or small business: investor types, private investors, VC funds, loans and crowdlending, and how to raise money. We work online worl…

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.

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.

Cost of starting a business in Spain in 2026: how to set up and register a company (SL) — fees from €140, €1 capital, steps, running costs, tax, shelf companies and the …

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…

Startup funding in Spain in 2026: ENISA loans of €25,000–1.5m, CDTI Neotec grants up to €250,000, regional grants, 15% tax for startups. Checked 25 October 2026.

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 means in business and for startups, traction metrics by stage from pre-seed to Series A, traction vs vanity metrics, and how to show traction to investors.

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.