Community Borrow Invest

Welcome to our community: borrow easily, invest smartly!

Seeking Funds or Pursuing Profits? Let’s thrive financially together. Join the Fagura Community!

Create account
Under 15 minutes to apply
Loans up to 20k euros
Profits between 10% and 20%
8.5 million euros

Intermediated investments

1.4 million euro

Interest paid to investors

2150+ loans

funded since Fagura’s launch

6.9%

The minimum interest rate for borrowers

Fagura aims to empower upcoming generations to drive financial prosperity. We are building the first digital community bank in Eastern Europe for millennials and their successors, enabling them to invest, borrow, make payments, and transfer funds instantly. Join the Fagura community today!
Learn more about Fagura

How it works

Investors lend directly to companies that are looking for fast loans or refinancing online. An investor funds multiple companies to reduce his risk.

Investors receive monthly payments from borrowing companies, consisting of the loan principal and the interest. These funds can be reinvested or withdrawn from the investor account. The choice is yours!

On Fagura, investors and borrowers support each other’s financial growth. Algorithms assess loan applications objectively, analyse credit histories, calculate interest rates, and assign risk scores.

Fagura assigns the payments received to each of the investors. In case of outstanding payments, we employ loan recovery procedures at the highest market standard.

Business SRL
Business development loan

Entrepreneurs seeking business financing can easily apply for a loan online on Fagura. If approved, multiple investors on the platform will fund the loan.

Companies pay their instalments on a monthly basis according to the payment schedule attached to the loan contract. The advantage: they build a positive credit history.

We don’t have any active loans at the moment, please try again later.
Interested to find out more? See all
Borrow
€5000
€1000
€7500
Credit history
Credit period
12 luni
12 months
48 months
Details
Monthly repayment
434.71 €
Total savings
1244.84 €
Annual interest rate:
7.90 %
You pay
5216.53 €

*Bear in mind some important general info: The minimum term for granting a loan on Fagura is 12 months, and the maximum term is 48 months. If you have a good credit history, the minimum Annual Percentage Rate (APR) will be around 6.5%, in the case of a bad credit history - the maximum Annual Percentage Rate (APR) will be 38.9%. To make it easier for you in understanding the figures, please find below an example:
Example calculation: Let's say you have a good credit history and you need to borrow €1000. If your request is aproved, you will get €1000 and will have to return back a total of €1071.24, which includes the interest. You will have to return the funds during 12 months, by paying €89.27 monthly. Your annual interest will be 12.9% (APR). But that's an example. To find out your exact quote, you will need first to complete a loan application.

Benefits

Choose to grow financially with Fagura through online loans

Apply online while having your coffee
Everything is digitally native, even the signature. Borrow or refinance online. Invest easily and quickly, wherever you are.
Get the answer in a day
You receive the response to your online SME loan application within 24 hours. Everything is digitized and efficient.
Get your business known
Your loan pitch makes your brand known to all the community members on Fagura. This way, you can even find new customers.
Grow financially by helping others
When you invest, you also support Romanian businesses that are striving for expansion or are just embarking on their journey. This contributes to the growth of both the economy and your profit.

User reviews

The trust and satisfaction in the Fagura community has earned us a 4.7 out of 5 rating on Trustpilot
  • Real profit. Good and quick feedback. A pleasant experience in investments.
    Dorin Baltag
  • It's a great opportunity for investing. An easy app, user-friendly, nice experience.
    Viorel Gamurar
  • I knew at each step where I am and how much time is needed to finish the application.
    Grigore M
  • There are ups and downs still but overall it is a great product. Highly recommend it!
    Serghei

Make the investments from your smartphone

Easily access and manage your investment portfolio, manually or automated. Take advantage of the Secondary Market, just a click away.

Fagura Apps

Are you new to the world of investing?

Don't worry, we're here to help. We're happy to answer any related questions you might have.

Quick answers Invest

Quick links

Why should I choose Fagura?
Ce condiţii trebuie să satisfac pentru a deveni un investitor?
Who can get a Fagura loan?
Ce înseamnă gradele de risc A - G și dobânda personalizată?

Blog

Secondary Market 2.0 – vânzarea fracționată și cum vedem totul în portofoliul de investitor

Secondary Market 2.0 – vânzarea fracționată și cum vedem totul în portofoliul de investitor

July 28, 2023
Fintech-ul cu „cel mai mare impact social” la Moldova Innovation Awards 2023

Fintech-ul cu „cel mai mare impact social” la Moldova Innovation Awards 2023

June 16, 2023

Partners and contributors

We partner with the best in the industry and collaborate with top donors
Partners
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Sponsors and contributors
USAID logo
Sverige
BERD logo
EFSE logo
WNISEF

Fagura in the Media

Press Image Fintech-ul Fagura intenționează să intre pe piața din România. Compania va oferi o platformă de finanțare participativă pentru împrumuturile IMM, cu un mecanism automatizat de scorare a creditului, oferind decizii rapide. Fagura a atras recent o finanțare de 780 mii de euro în runda a doua de pe platforma Seedrs din Londra. 17 februarie 2023
Press Image Fintech-ul Fagura, câştigătorul grupei scaleups a acceleratorului InnovX BCR, ediţia 2021-2022, a încheiat o rundă de equity crowdfunding pe platforma Seedrs din Marea Britanie pentru a-și susține creșterea în următorul an și jumătate. Compania are în plan să ofere în România finanțare pentru IMM cu un cec mediu de cca 10.000 de euro, pe o perioadă de la 1 până la 3 ani. 25 ianuarie 2023
Press Image Fagura.com a finalizat cea de-a doua rundă de investiții, la o evaluare post-money de 5,78 milioane euro. Cei peste 280 de investitori vor primi cca 13% din equity. Articolul conține declarații de la Angels și Mozaic Ventures, care au investit în rundă. 26 ianuarie 2023
Press Image Fintech-ul Fagura, evaluat la 5 mil. euro într-o nouă campanie de finanţare. În cadrul rundei de finanţare, fondatorii proiectului au venit cu investiţii proprii în valoare de 118.000 euro. În prezent, Fagura deţine o autorizaţie de creditare nebancară în Republica Moldova şi a depus dosarul de autorizare la ASF România, cu scopul obţinerii unei autorizaţii europene de crowdfunding. 24 noiembrie 2022
Press Image Fagura se extinde în finanțarea de startup-uri și IMM-uri de pe piața românească. Compania și-a validat modelul de împrumuturi prin crowdfunding în Moldova, unde oferă opțiuni alternative de finanțare pentru tinerii antreprenori cu idei de a-și lansa afacerile. Cu un model validat, Fagura planifică să se extindă în viitor în Europa de Est. 16 august 2022
Press Image Startupul Fagura a câștigat grupa Scaleups a acceleratorului InnovX BCR, ediția 2021-2022. Fagura a câștigat și premiul ZF IT Generation Star și un premiu din partea Mindspace, partener al InnovX-BCR. Compania intenționează să dezvolte un marketplace de credite, cu potențial de scalare și gata de lansare pe noi piețe. 24 februarie 2022
Fagura Contact Support

We are here to help you

Working hours: Monday - Friday: 9.00 - 18.00
Credit applications can be submitted online 24/7

Visa and Mastercard Approved

Investing in crowdfunding projects involves risks, including the risk of partial or total loss of the invested funds. Your investment is not covered by deposit guarantee schemes established in accordance with the Directive 2014/49/EU of the European Parliament and of the Council. Also, your investment is not covered by investor compensation schemes established in accordance with the Directive 97/9/EC of the European Parliament and of the Council. Your investment may not generate any income. This is not a savings product and we advise you not to invest more than 10% of your net capital in crowdfunding projects. You may not be able to sell your investments when you want to. If you are able to sell them, you may still make a loss.

Your investment may not generate any income. This is not a savings product and we advise you not to invest more than 10% of your net capital in crowdfunding projects. You may not be able to sell the investment instruments when you want to. If you are able to sell them, you may still make a loss.