Interest from 6.5%

Apply online in 15 minutes

Answer in maximum 1 day

Build the future with affordable loans

We will prioritize funding for SMEs and startups aiming to digitize their businesses, promote the green economy, and invest in business development. The funding for the first 50 companies, which will benefit from interest-free loans, is made possible through the project “Accelerating Digital Transformation in the Public Sector of the Republic of Moldova,” funded by UNDP Moldova. After the “50 Zero-Interest Loans” campaign concludes, we will continue to finance SMEs at fair rates, quickly, and 100% online.

Fagura can help your business with

Boost cash flow

Refinance

Salary

Resource management

Business growth

Financial security

SME Loan Calculator

On Fagura, you can obtain a loan with a fair scoring based on an algorithm that underpins the platform and analyzes your credit history.

Borrow

€5000

€1000

€25000

Credit history

Credit period

12 luni

12 months

60 months

Time period 12 luni

Interest 16.9 %

Annual Effective Interest (APR) 16.90 %

Loan amount 1000

You receive 1000

You pay 1093.92

	Payment date	Monthly payment	Body	Interest	Credit balance

Apply for a loan

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.

Why borrow on Fagura?

Choose to grow financially with Fagura through online loans

100% online

Applying, signing, managing the loan agreement – everything happens exclusively online. Fast and efficient.

Prepayment at no cost

You can pay off the loan at any time. It costs you absolutely nothing extra.

Make your business known

When you apply for a loan online, you also showcase your business. The community of investors on Fagura finds out about you and which can lead to winning new customers.

We support startups

Your company can get a loan on Fagura even if it was established 2 months ago. We want to grow together.

How do you get fast loans on Fagura?

On Fagura SMEs borrow directly from investors

Investors can lend small amounts to several Romanian SMEs. The interest paid by the borrowers goes back to them as profit. Fagura manages the connection between entrepreneurs who want to grow their businesses and investors who want to increase their income by supporting Romanian companies. At Fagura, we emphasise the potential of each company, irrespective of its age.

Create account

Create an account

You register on the platform as quickly as ordering a pizza.

Complete the loan application

It lasts as long as making yourself a cup of tea. Write the loan amount you need and for how long, add a brief description of your business, upload a few documents online and you're done.

Investors finance the loan

Investors on Fagura read your presentation and decide to lend you. A loan is financed by several investors in a maximum of 14 days.

You sign the contract and receive the money

You sign the contract digitally and Fagura transfers the money into your bank account. The loan instalments you pay go directly to the investors who financed you.

Companies like yours, financed on Fagura

In short: you can take the loan fastfast, without paperwork or going anywhere, directly from people who believe in your business plan and want to grow financially with you.