16 February 2026, 09:00 Ultima lună cu vechile condiții din Referral Program Valorifică Bonusurile

Online financing for small businesses with big ambitions

Get funding directly from investors, fast and hassle-free. Get rid of bureaucracy and trips to the bank. You sign digitally and borrow online with a fixed interest rate.

Create account
Interest from 6.5%
Apply online in 15 minutes
Answer in maximum 1 day

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
€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.

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 doesn't cost you anything 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
01
Create an account
You register on the platform as quickly as ordering a pizza.
02
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.
03
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.
04
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, which are financed on Fagura

Choose to grow financially with Fagura through online loans

SANMARYA STAR SRL

SANMARYA STAR SRL

Oferim încălțăminte din piele naturală, diversificată, pentru bărbați și femei, adaptată schimbărilor sezoniere, printr-o colaborare solidă cu Otter distribution.

58.0%
2 Days remaining
Sum €5 000
Investors 53
Interest 22.65%
AUTOMATION EXPERTS SRL

AUTOMATION EXPERTS SRL

Investiția în servicii de automatizare industrială va susține finalizarea rapidă a lucrărilor pentru clienți de renume, sporind eficiența în industria alimentară.

100%
8 Days remaining
Sum €2 900
Investors 51
Interest 22.65%
PAO COOKIE DELIVERY SRL

PAO COOKIE DELIVERY SRL

Furnizăm mese sănătoase pentru 446 de beneficiari, contribuind la bunăstarea elevilor. Proiectul nostru este vital pentru educația și sănătatea tinerelor generații.

40.4%
1 Days remaining
Sum €7 000
Investors 48
Interest 31.65%
GHITESCU TRANS SRL

GHITESCU TRANS SRL

Livrarea de colete Easybox cu o echipă extinsă, asigurând servicii rapide și eficiente.

58.8%
8 Days remaining
Sum €6 000
Investors 68
Interest 23.4%
Interested to find out more? Start investing

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.