What Guides Us

Our Values

At KapitalStark, every decision is guided by four core values we embody every day.

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🔍

Transparency

No hidden fees, no surprises

We believe trust is built through clarity. At KapitalStark, every rate, every fee and every condition is explained without jargon.

  • Full APR displayed from simulation
  • Zero hidden application fees
  • Readable DSP2-compliant loan offer
  • Objective comparison of alternatives
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🤝

Accessibility

Financing for everyone

We are convinced that every person deserves access to fair financing, regardless of their origin or situation.

  • Solutions for non-standard profiles
  • Professional and personal microloans
  • Support for those excluded from banking
  • 5 branches + online advisor
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🎓

Expertise

15 years of experience at your service

Founded in 2010, KapitalStark was built on the competence of its teams. Our 42 advisors are certified and continuously trained.

  • 42 certified Mediadores de Crédito advisors
  • Banco de Portugal registration N° 4567
  • 40h annual continuing education
  • Network of 200+ banking partners
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🌱

Responsibility

Financing the future consciously

KapitalStark is committed to responsible financing. We rigorously assess the sustainability of each application to protect clients from over-indebtedness.

  • Rigorous taxa de esforço analysis
  • Compliance with Banco de Portugal prudential framework
  • Priority green project financing
  • Solidarity microloan programme
In Numbers

Our Values in Action

98%

satisfied clients

50,000+

projects financed since 2010

< 24h

preliminary response time

€0

hidden fees guaranteed

CSR

Our Responsible Commitments

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Green Financing

Preferential rates on high-energy-performance real estate (EPCs A/B) and electric vehicles.

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Financial Inclusion

Social microloan programme in partnership with CASES and RNBC to support those excluded from mainstream banking.

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Fighting Over-indebtedness

All advisors trained to recognise over-indebtedness warning signs. Systematic rejection of non-viable applications.

♻️

Environmental Impact

BREEAM Excellent certified positive-energy office. 100% carbon offset of professional travel since 2023.

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Financial Education

KapitalJeunes programme: 200 interventions in schools and universities each year to raise awareness about budget management.

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Local Presence

5 branches in Portugal, partnership with local Câmaras de Comércio, support for the social and solidarity economy.

Share Our Values?

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