---
title: "Banks study the use of artificial intelligence to grant credit to SMEs with no financial history — Marsanne Studio AI watch"
description: "The Spanish banking industry is exploring predictive AI models to assess the risk of SMEs with no credit history."
url: "https://marsanne.studio/en/ai-watch/banks-study-the-use-of-artificial-intelligence-to-grant-credit-to-smes-982683/"
lang: "en"
---

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Analysis · 24 September 2026

# Banks study the use of artificial intelligence to grant credit to SMEs with no financial history

Original title, in Spanish: “La banca estudia usar inteligencia artificial para dar crédito a pymes sin historial financiero”

**Publication**

Diario Autónomos y Emprendedor (Spain)

**Author**

Unsigned

**Published on**

24 September 2026 · read in the page structured data · updated on 24 September 2026

## Summary

According to the article, more than 659,000 Spanish companies are less than two years old and lack a financial history, according to the INE's Dirce, or 19.9% of the 3.31 million active companies. These companies, mostly SMEs concentrated in retail, construction, professional activities and hospitality, struggle to obtain credit through traditional methods. The banking industry is therefore studying the use of predictive models based on artificial intelligence to analyse variables such as the company's age or the behaviour of comparable companies. According to Equifax estimates, these models could improve risk prediction accuracy by 30%. The article specifies that this is still a technology under study, which does not guarantee that financing will be obtained.

Summary based on the full text of the article.

[Read the article on Diario Autónomos y Emprendedor →](https://www.autonomosyemprendedor.es/articulo/pymes/banca-estudia-usar-inteligencia-artificial-dar-prestamos-autonomos-historial-financiero/20260924150447055984.html)

## Figures cited

-   659,000 companies
    
    Spanish companies less than two years old with no financial history
    
    Spain, 2025
    
    > « Más de 659.000 empresas tienen menos de dos años y carecen de historial financiero »
    
    Source: INE (Dirce)
    
-   19.9 %
    
    Share of Spanish companies less than two years old among active companies
    
    Spain, 2025, out of 3.31 million active companies
    
    > « estas compañías representaban el 19,9% del total de empresas económicamente activas, que ascendía a 3,31 millones »
    
    Source: INE (Dirce)
    
-   30 %
    
    Improvement in risk prediction accuracy through predictive AI models
    
    > « estos modelos predictivos podrían elevar un 30% la precisión en la predicción del riesgo »
    
    Source: Equifax
    

## Classification

**Country**

Spain

**Company size**

SMEs

**Industries**

Banking, insurance, asset management, finance departments

**Companies**

Equifax (cited)

**Keywords**

bank credit, SMEs, financial history, predictive models, credit risk, autónomos

Entry written by Marsanne Studio from the cited article, with the help of an AI model (claude-sonnet-5). The rights to the article and its illustrations belong to Diario Autónomos y Emprendedor. Entry translated from French by Claude Sonnet 5.5.