In Europe, Santander’s SME franchise connects relationship coverage, digital working capital tools, international banking and dedicated growth-capital vehicles. In 2025, it expanded its Spanish SME franchise while directing new European Investment Bank-backed funding towards competitiveness, sustainability and entrepreneurship in Iberia.
The result is a model that supports businesses across different stages of development, from companies requiring day-to-day liquidity to exporters managing cross-border cash flows and high-growth firms seeking venture debt, long-term finance or equity.
One of Santander’s most important strategic changes was the way it decided which SMEs required deeper coverage.
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