Many talented students face financial barriers that keep them from joining high-demand programs like coding bootcamps or tech training. BCAS helps by offering flexible financing, such as Income Share Agreements, where students pay only after getting a job, and affordable instalment loans.
The Madrid-based edtech company recently raised €30 million in debt funding, led by MyInvestor with Orilla AM as a key partner. This brings total funding to over €55 million across debt and equity.
Position BCAS as Europe’s leading education financier
Founded in 2021 by co-CEOs Bosco González del Valle and Javier Ausín, together with Manuel Avello, the BCAS team brings experience from finance, tech, and education. They saw firsthand that students needed funding tied to real outcomes, not just another loan that could weigh them down if jobs didn’t materialise.
González del Valle shares with TFN, “ We started Bcas in 2021 after realising how many talented people were unable to access quality education simply because they couldn’t afford it upfront. It wasn’t a personal experience, but a clear, underserved market need: there were no flexible, fair financing options for students, especially in vocational and high-employability programs.”
How do they do it? BCAS uses their own tech to review student backgrounds, job prospects, and program quality, so every financing offer is tailored to the individual.
“Our strength lies in our proprietary scoring model, built specifically for students, which blends employability, academic and financial variables to underwrite future potential, not just past income. We’ve also developed a fully digital onboarding dashboard for schools, and a payment infrastructure that adapts to both ISA and Pay-in-Instalments logic,” elaborates González del Valle.
BCAS stands out by offering both ISAs and low-interest instalment options. They carefully vet more than 60 partners, including Ironhack, thePower, The Bridge, ISDI, 4Geeks, UNIR, EIP, and HACK A BOSS, and focus on programs that make a big impact.
On diversity, González del Valle says, “In Spain, our main competitors in the education space are Sequra and Aplazame, especially around upfront and short-term financing. What sets Bcas apart is our exclusive focus on education, the flexibility of our products, and our risk-sharing structure with training partners.”
What about diversity?
On diversity, González del Valle notes, “We’re currently a team of 27 people. While we still have work to do in terms of gender and background diversity, we’re conscious of the challenge and committed to improving it as we grow.”
So, what’s next for BCAS?
This new funding will help BCAS finance more than 6,000 additional students, support annual growth of over 50%, and improve profitability. It will also allow BCAS to expand its instalment loan offerings alongside ISAs.
González del Valle concludes, “Our goal is to become the leading platform for flexible education financing in Europe. That means scaling our ISA and Pay-in-Instalments products, entering 2–3 new countries, building stronger school partnerships, and improving our tech and risk capabilities — all while maintaining sustainable unit economics.”
