The company
About Kalebo
A careful cross-border financial-services platform for non-domestic second-home buyers and owners.
Why we exist
Affluent buyers from the Nordics and Northern Europe still face fragmented, slow processes when financing a home in Spain or France. Kalebo exists to turn home-country data into bank-ready local cases — with experienced people in the loop.
Operating principle
Automation prepares. A Kalebo specialist explains the offers and the warnings. The bank or insurer remains the decision-maker. That boundary is the product.
Authorisation
Kalebo Financial Services España, S.L. is in formation and intends to apply for the authorisations required to operate as a credit intermediary and related activities. No regulated activity is carried out before authorisation is granted.
The founders
Kalebo Financial Services is led by its founders, who bring experience from international banking, finance and financial technology across the Nordics, Germany and France.
Joar Langeland
Founder
More than 30 years in international banking and financial services, followed by a decade advising fintech companies. Knows the Nordic and German markets.
Magnus Magnusson
Co-founder
More than 30 years in international finance and humanitarian organisations. In recent years an investor in and supporter of early-stage companies, with a network across the Nordics and France.
Valdemar Magnusson
Co-founder and CTO
Leads platform and product development. Has designed and delivered fintech products and platforms in the Nordic market.