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%
15 million euros

Intermediated investments

2 million euro

Interest paid to investors

3200 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 These funds can be reinvested or withdrawn from the investor account.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.

 "LEGANTE COMPANY" SRL

"LEGANTE COMPANY" SRL

LEGANTE dorește să extindă producția premium de haine pentru copii, modernizează showroom-ul și lansează o platformă online în România, Irlanda și Anglia, combinând estetica unică cu materialele naturale și confortul maxim.

 "IMPERIALTOP" SRL

"IMPERIALTOP" SRL

Transformăm etajul 2 al cafenelei noastre într-o sală de primire a oaspeților, completând experiența sushi și oferind un ambient primitor și confortabil.

 "VIVACAR PLUS" SRL

"VIVACAR PLUS" SRL

Extinderea magazinului de piese auto pentru a satisface cererea crescuta

 "WAKE UP COFFEE" SRL

"WAKE UP COFFEE" SRL

Combinația perfectă între cafea de specialitate și mâncare rapidă, oferite într-un mediu modern și eficient. Extinderea și modernizarea cafenelei „To Go & Fast Food” vor aduce gust autentic și servire rapidă, completate de un sistem de comenzi online și de livrare rapidă.

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.

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

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

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

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

Fagura Capital SRL. Cod fiscal: 1024600049862 Înregistrat în Registrul furnizorilor de servicii de finanțare participativă cu nr. 1, autorizat în temeiul Hotărârii CNPF nr. 51/2 din 05.11.2024. Investiția în proiecte de finanțare participativă implică riscuri, inclusiv riscul pierderii parțiale sau integrale a fondurilor investite și nu sunt garantate/protejate de mijloacele Fondului de acoperire a depozitelor bancare, conform Legii nr. 160/2023 cu privire la garantarea depozitelor în bănci, și nici de cele ale Fondului de compensare a investitorilor, conform Legii nr. 171/2012 privind piața de capital. Este posibil ca investiția dumneavoastră să nu genereze niciun venit. Acesta nu este un produs de economisire și vă sfătuim să nu investiți mai mult de 10% din capitalul dumneavoastră net în proiectele de finanțare participativă. Este posibil să nu puteți vinde instrumentele de investiții atunci când doriți. Dacă sunteți în măsură să le vindeți, este posibil totuși să înregistrați pierderi.