Crowdlending romeno para PMEs com licença ECSP a partir de 25 €.
A Fagura é uma plataforma de crowdlending sediada em Bucareste sob regime ECSP, focada no financiamento de PMEs romenas e da região CEE. Ativa desde 2021, oferece mínimo de 25 €, auto-invest e mercado secundário, com fluxo transparente de monitorização de mutuários para empréstimos ativos e em atraso.
Fagura is a consumer crowdlending platform based in Romania, supervised by ASF (Romania). Investors deposit funds, browse open opportunities and commit capital project-by-project or via automated rules.
Once a project is fully funded, the platform releases capital to the borrower and collects scheduled payments — interest plus principal — which are credited to your investor account. Most European platforms publish a public dashboard with projected and realised cashflows.
The platform advertises target gross yields in the 10–14% APR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Romania macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Suited to investors wanting direct exposure to sme opportunities with a 24 months horizon, comfortable with default risk and limited liquidity. Minimum ticket from €25. Recommended portfolio size: 20–30 deals for adequate diversification; treat as a complement to traditional fixed-income, not a substitute.
Capital at risk. Investments on Fagura are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@fagura.com — confirm on the platform’s contact page before sending sensitive information.Fagura operates under supervision of ASF (Romania). Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
The minimum ticket per deal is €25. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
Advertised gross yields are 10% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; a secondary market is available if you need to exit early.
In an underwriting failure, the platform pursues the contractual recovery path — collateral realisation, debt-collection enforcement or court proceedings, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
Investor cash held on the platform is segregated from Fagura’s own balance sheet, as required by the rules of ASF (Romania). In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
Typical project duration is 24 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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I've been investing on fagura for a few months and right now i have almost 15% roi. I think that is decent
Overall good app. Authentication can be slow at times.
I’ve been investing on Fagura for several years and overall my experience has been positive. Returns have been solid and the platform offers interesting opportunities for investors. Recently I had a situation where the communication could have been clearer at the beginning, but after further discussion the team reviewed the case and handled it fairly. I appreciate that they were willing to listen and reconsider. For me the important point is that as the platform continues to grow, I would like to see further development in customer support and more efficient communication with investors. These aspects are very important for building long-term trust. Overall I remain a satisfied investor and I hope the platform continues to grow and improve.
invest asap to get the interest faster
Session expires every day, even though it's an app, so have to log in again with 2fa every day, and it tells yoy about the expired session only after filling in login credentials. Very annoying. Also, the app refuses to exit when i prsss the back button on my phone, i have to use task manager to switch to another app.
Good app
Mult succes
As an entrepreneur Figura is my partner în developing ROCMAN as a technological startup.
Am gresit numărul la înregistrare, si pe urmă nu am mai putut sa-l corecteze sau să-l introduc din nou
Mai sunt posibilități de îmbunătățire, dar funcționalul curent deja permite monitorizarea buna a investiției
Great team and project!
app mostly smooth, some bugs (same loan appearing twice or menus temporarily disappearing)