// Origin
We review every application the way one tends a tree.
Bonsai Finance was born in 2018 from the realization that a loan is neither a product nor an algorithmic act: it is a fifteen-year commitment between two signatures. We founded the firm to bring time, careful reading and human judgment back to an industry that had lost the habit.
Our team in Madrid now brings together fourteen advisors and reviews more than 2,400 applications each year across seven European countries. We turn down one application in four. That is the condition for supporting those we accept all the way to the final payment, with no automated reminders or contractual surprises.