In·bo·nis /ɪnˈbəʊ.nis/


From the latin legal term "in bonis" meaning "solvent" or "master of one's assets".

What drives us?

  • Accelerating the positive impact of small and medium business by building tust and improving the linkages between large institutions and SMEs.
  • Building solutions that have the efficiency large institutions need at scale, while empowering SMEs to remain nimble and hyper-local.
  • Working with clients, mostly banks and large multi-nationals, to improve how they work with small and medium enterprise.

Who are We?

  • Alberto Sanchez Navalpotro

    Alberto Sanchez Navalpotro

    Chief Executive Officer & Co-founder

    Alberto is an experienced investment professional with a passion for small business lending. Alberto was most recently Investment Director at Gravitation, the holding company of Charles Beigbeder (founder of SelfTrade and Poweo) and at private equity fund Jolt Capital. Prior to that, Alberto was a consultant at Kaiser Associates and Trade Finance analyst at Bibby Financial Services in the UK. Alberto has an MBA from ESCP Europe and an economics degree from Universidad de Alcalá.

  • Justin DeKoszmovszky

    Justin DeKoszmovszky

    Chief Impact Officer & Co-founder

    Justin is an experienced strategy professional with a passion for accelerating the positive impact of small business. Justin has led sustainability strategy at SC Johnson, PUMA and OVO Energy. He was also a consultant at BMC and Kaiser Associates. Justin is on the faculty of Cambridge University’s Institute for Sustainability Leadership. Justin holds MBA and BS (Applied Economics) degrees from Cornell University.

  • Antonio Alcalde

    Antonio Alcalde

    Risk Policy Director & Co-founder

    Antonio leads Inbonis’ credit decisions. He has over 25 years of experience leading national and international finance teams across BBVA. He has been Chief Risk Officer in various regions and countries at different stages of their economic cycles : Spain and Portugal during the crisis (2007-2011), Latin America during growth (2002-2007), and Argentina during depression (1997-2002). He holds legal, finance and managerial degrees from la Universidad de Deusto, IESE, INSEAD and Universidad Austral.

  • Ángeles López

    Ángeles López

    Communications Director

    Angeles is a journalist specialized in economic information and business communication. She has worked for paper & online newspapers (Diario 16, Estrella Digital) and in the press department of the Empresa Municipal Promoción Madrid. In 2011, she founded Una Pareja Como La Nuestra, an agency specialized in corporate image and communication. Ángeles holds a master’s degree in Economic Journalism and Business Communication from the University of Nebrija, a degree in Journalism from the UCM (CEU San Pablo) and a diploma in Interior Architecture from the School of Decorative Arts in Madrid.

  • Denís Cepeda Mateos

    Denís Cepeda Mateos

    Software Engineer

    Denis is fascinated by simple solutions that solve big problems. He leads INBONIS’ software development. Denis has designed and developed custom applications in banking and insurance for companies like Bankia and Groupama Seguros. He holds an engineering degree in Computer Science from Universidad Complutense de Madrid.

  • José Ramón Vázquez

    José Ramón Vázquez

    Data Scientist

    José Ramón Vázquez is passionate about discovering the hidden signals in a universe of noise. As a data scientist at INBONIS, he applies machine learning techniques to the collection and analysis of SME information (quantitative & qualitative). “Joserra” holds a doctorate from the Universidad Complutense de Madrid and carried out his doctoral thesis in particle physics on the fluorescence telescopes of the Pierre Auger cosmic ray observatory in Argentina.

  • Juan Ramos

    Juan Ramos

    Design Director

    Juan is INBONIS’ design lead and we rely daily on his expertise in computer graphics, design and digital marketing. As an infographer, he has collaborated with different media (Diario 16, El Mundo) and creative agencies (DPI, Olivé Estudio), receiving several SND awards. In 2000 he took the leap into digital marketing by joining BetyByte, a pioneer company in creating virtual communities (Coca-Cola, Movistar) and loyalty technology plans. In 2011 he founded Una Pareja Como La Nuestra, an agency specialized in corporate image and communication. Juan holds a degree in Advertising and Public Relations from Universidad Complutense de Madrid.

  • Lucía Aragoneses Montero

    Lucía Aragoneses Montero


    Lucía is part of INBONIS design team and focuses largely on the user interface, user experience and graphical design of our apps and websites. She also applies her multi-media skills, especially with regards to film and photography, to INBONIS content creation. Lucia holds a Fine Arts degree from Universidad Complutense de Madrid and a master’s degree in graphic design from Tracor.

  • Samuel Santiago

    Samuel Santiago

    Front-End Analyst

    Samuel is an experienced web application developer. “Samu” began his professional career as a draftsman in a paper press, but, after taking an introductory programming course, he fell in love with the online world, to which he has dedicated his career. Working with various online marketing agencies and independently, Samu has delivered for clients like El Corte Inglés, ONO and Securitas Direct. Samu holds a master’s in Web Application Design & Development from Centro CICE.

  • Gert Pregel

    Gert Pregel

    Director of Data, Modeling & Analytics

    Gert has held senior management positions at leading banks Santander and BBVA, such as Head of Management Control Global Markets, Head of Customer Knowledge and Value Based Management and Head of Corporate Strategic Analysis. Gert holds a Master in Finance and Applied Economics from Wharton and an MBA from IESE, and graduated as civil engineer from Universidad Politécnica de Barcelona.

Advisory Board

  • Charles Beigbeder

    Charles Beigbeder

    Advisory Board Member

    Charles is the President of his investment holding company, Gravitation, with which Alberto has been linked since 2008. Charles was the founder and CEO of Selftrade (a pioneering online broker in France, Spain and the United Kingdom) as well as Poweo Direct Energie). Charles holds an engineering degree from the École Centrale Paris.

  • Elena Gómez Pozuelo

    Elena Gómez Pozuelo

    Advisory Board Member

    Elena is an influential businesswoman in the digital economy in Spain having established herself as a successful entrepreneur and investor. Elena is co-founder and President of BebedeParis.com (the first global franchise network for gifts for newborns) and co-founder of womenalia.com (the first professional network for women with more than 300,000 users). Elena is President of Adigital, the first association of digital companies in Spain. Elena holds a degree in law from Universidad Autónoma de Madrid.