EU Crowdfunding License

Under 15 minutes to apply

Loans up to 20k euros

Profits between 10% and 20%

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 These funds can be reinvested or withdrawn from the investor account.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

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.

Below are some of the investment opportunities available on the platform. You can invest anytime, starting from 25 euros.

IUSTIN’S BOOK SRL

Scopul acestui proiect este de a revoluționa modul în care oamenii își gestionează emoțiile și își regăsesc echilibrul interior, printr-o platformă inovatoare de vindecare emoțională bazată pe membership. Ne propunem să transformăm experiențele membri ai comunității noastre online și să le oferim acces la soluții personalizate, resurse interactive și ghidare profesională. Într-un context în care piața dezvoltării personale este în continuă expansiune, acest proiect răspunde cererii crescânde pentru instrumente care să aducă rezultate reale, rapide și de impact. Cu o bază solidă construită prin vânzarea constantă a 1.000-1.500 de cărți lunar, platforma va reprezenta un punct de referință pentru o generație care își prioritizează sănătatea emoțională și mentală. Avem o viziune clară și un plan bine definit, iar cu sprijinul necesar vom transforma această inițiativă într-o resursă de neprețuit pentru zeci de mii de oameni.

RBN DESIGN SRL

Scopul folosiri banilor este pentru a incepe un nou proiect ce necesita anumite resurse financiare in vederea de achizitii si pregatire colectiv.

ELECTROKYP ST SRL

Deplasarea la domiciliul clientului , service electrocasnice

DINA DIGITAL LAB SRL

Achizitionarea unui aparat cad-cam si a softului in leasing pentru a reduce total platile lunare catre furnizori si a produce produsul finit in-house

See all the pitches

Use the calculator below to check the figures for a loan on our platform. Bear in mind that these numbers are just estimates, and you will have an exact calculation when applying for a loan.

Borrow

€5000

€1000

€20000

Credit history

Credit period

12 luni

12 months

48 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.

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