Financing designed for you

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Inmediate response
We grant financing in minutes
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No guarantees
You don't need guarantees or collateral to get financed
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Transparent
No fine print. All the information at your fingertips
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100% Online
From anywhere, at any time
We are backed by the European Investment Fund
Choose the perfect training and we will finance it for you
We work with the best schools, offering hundreds of trainings for the highest paying professions
Tech
Engineering
Business
Health
Trades
Others

Choose the financing option that suits you best

We offer two flexible payment methods:

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Pay in installments
Spread the cost of your training into fixed monthly payments
Immediate approval
Flexibility to choose the number of months
Transparent costs with no hidden fees
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Pay when you find a job (ISA)
Pay after completing your training and securing employment
No upfront payments
Installments tailored to your income
Maximum flexibility

We have helped many people like you

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Financed students

Centers that trust us

Real stories from over 80 centers transforming access to training

Bcas enables many of our students to achieve their goals and aspirations, which would otherwise be unattainable.

Gonzalo Manrique
Cofunder & CEO

Bcas makes financing simple, fast, and accessible for our students, and help us grow faster as a school.

Christian Rebernik
Founder & CEO

Thanks to BCAS, we reach more students without compromising quality: a financing solution that drives the growth of our training programs.

Fernando Pavón
COO

BCAS enables many of our students to achieve their goals and aspirations, which would otherwise be unattainable.

Ángel Sandoval
Cofounder & CEO

Bcas enables many of our students to achieve their goals and aspirations, which would otherwise be unattainable.

Gonzalo Manrique
Cofunder & CEO

Bcas makes financing simple, fast, and accessible for our students, and help us grow faster as a school.

Christian Rebernik
Founder & CEO

Thanks to BCAS, we reach more students without compromising quality: a financing solution that drives the growth of our training programs.

Fernando Pavón
COO

BCAS enables many of our students to achieve their goals and aspirations, which would otherwise be unattainable.

Ángel Sandoval
Cofounder & CEO

Bcas enables many of our students to achieve their goals and aspirations, which would otherwise be unattainable.

Gonzalo Manrique
Cofunder & CEO

Bcas makes financing simple, fast, and accessible for our students, and help us grow faster as a school.

Christian Rebernik
Founder & CEO

Thanks to BCAS, we reach more students without compromising quality: a financing solution that drives the growth of our training programs.

Fernando Pavón
COO

BCAS enables many of our students to achieve their goals and aspirations, which would otherwise be unattainable.

Ángel Sandoval
Cofounder & CEO

Frequently Asked Questions

What do I need to apply for financing with Bcas?
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To apply for financing, you must be over 18 years old, have a valid ID or residence permit with work authorization, and not be listed in public debt registries. If you meet these basic requirements, you can start the online application, and we will assess your profile to determine if you qualify for financing.

When do I start paying if I choose the ISA model?
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With the ISA, you pay nothing while you study or while you look for a job. You only start repaying when you find work and exceed the established minimum income. If your income falls below the threshold, payments will be automatically paused.

What happens if I don’t find a job after studying?
Plus

If you don’t find a job or your income doesn’t reach the minimum, you make no payments. There are no penalties, no extra interest, and no accumulated debts. The ISA model is designed specifically to protect you during times of unstable income.

Does applying for ISA financing affect my credit score?
Plus

No. Our process does not depend on your traditional credit history. We evaluate your studies, employability, and personal situation, not whether you have taken out loans or credit cards in the past. Therefore, applying for financing with Bcas does not affect your financial score.

How much do I have to pay monthly?
Plus

The ISA adjusts to your economic situation: you only pay a fixed percentage of your income when you are working. Currently, it corresponds to 13.2% of your gross salary. This ensures that the payments align with your actual income and do not impose an excessive burden on you.

EIF complet logo

We have the guarantee of the European Investment Fund

Since mid-2024, thanks to our solid track record and deep industry knowledge, we have the support of the European Investment Fund (EIF). This backing allows us to continue driving our mission and expand our impact, offering innovative and accessible solutions in educational financing

Recognitions

In a very short time, we have received various supports and awards

We are part of Lanzadera for a year
Winners in the education vertical of 2023
Nominated as the startup that has most attracted investors
We have the support of the investment arm of Telefónica
Creating a favorable environment for the development of fintech and insurtech companies in Spain
One of the most exclusive organizations in Spain in the startup world
Participants in the Pan-European organization "Reskilling for Employment"