Fagura is a fintech platform specializing in crowdlending, operating in two key markets: the Republic of Moldova and Romania. In both markets, the platform connects investors with individuals and businesses seeking loans. While the general principles are similar, there are differences determined by the legal specifics of each region.
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In the Republic of Moldova, Fagura operates through fagura.com and offers loans to both individuals and businesses. The maximum loan amount available is €20,000, with interest rates ranging from 6.9% to 45.9% per year, depending on the borrower’s profile. This model provides financing access for both consumers and businesses, contributing to economic growth. Investors in this market can expect an estimated annual return of 12% to 18%.
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In Romania, Fagura operates through fagura.ro and is exclusively dedicated to businesses, supporting small and medium-sized enterprises (SMEs). Companies can access financing of up to €7,500, with interest rates between 6.5% and 35.9% per year, determined by Fagura’s scoring system. This model encourages entrepreneurs to expand their businesses and improve their access to capital. Investors in Romania can expect an estimated annual return of 10% to 16%.