Credia

What Credia does

Credia Fintech SRL is a Romanian fintech startup (registered in 2020 in Oradea, Bihor County) that operates credia.store, a three-sided digital credit-aggregation marketplace connecting physical retailers and service providers (merchants), banks and non-bank financial institutions / IFNs (lenders), and end consumers. The platform enables any merchant to offer installment payments at the point of sale; consumers receive competing installment offers while still in-store; and lenders receive pre-qualified, risk-scored loan applications through an API. Pricing is not publicly disclosed and merchant or lender onboarding is demo-based.

The platform is API-first, transmitting structured risk-analysis inputs (ANAF tax-authority checks, Biroul de Credit bureau checks, customer identity, product/purchase data, and lender-specific fields) to lender partners, with an in-house engineering team building bespoke integrations for lenders whose roadmap does not permit rapid API onboarding. Target decisioning time is approximately 30 minutes while the customer remains in the merchant store, supported by end-to-end electronic-signature workflows (either Credia's advanced e-signature or lenders' own remote-signature systems). A vertical integration with DentIntel.net, a dental practice-management platform, embeds Credia directly into the clinic workflow, and the company describes its consumer-side referral mechanism (consumers recommend new merchants and receive a success bonus) as a crowdsourced merchant-acquisition channel.

The business model is built on transaction fees on matched credits, supplemented by consumer-referral bonuses for onboarding new merchants and advisory services supporting Romanian SMEs through the government-backed IMM Invest program (state-guaranteed loans up to 10 million RON) in cooperation with SME specialist Răzvan Hărătău. The company is currently Romania-only, with 1-10 employees, GDPR-compliant data practices (self-attested), and a single disclosed institutional investor — Techcelerator, which led a seed round in January 2020 (with an additional ~$54,022 round recorded in April 2020). Founder and CEO is Andrei Benghea Malaies.

Name

Credia

Legal name

Credia Fintech SRL

Website

https://credia.store

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Credia Fintech SRL operates a three-sided digital credit-aggregation platform in Romania, connecting physical retailers and service providers with banks and IFNs to offer consumers real-time point-of-sale installment financing, plus SME financing advisory services.

Ownership category

akta.pro rank

Product category

Credit Aggregation / Lending Marketplace Platform

NAICS

Consumer Lending (522291), Sales Financing (52222)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYBPAFAFAK

Customer Service/Support CRM & Contact Center Platforms

Business & Public Services/Marketing, Advertising & PR Services/Marketing Technology & CRM Services

SECONDARYFSANADAG

Real Estate Private Credit (CRE Debt)

Financial & Insurance/Private Equity & Venture Capital/Private Credit / Direct Lending Funds

Keywords

• Credit aggregation platform
• Point-of-sale financing
• Installment lending marketplace
• Merchant lending API
• Consumer credit broker

Headquarters

HQ city

Oradea

HQ country

Romania

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Aggregation/transaction fee from matched credits: Credia acts as a digital broker connecting merchants (where buyers originate) with lenders (banks and IFNs that fund the credit). Revenue is implicitly generated as a fee or commission on each successfully matched installment credit, taking a slice of the value chain between retailer, lender and consumer (WIN/WIN/WIN model).
2. Referral success bonus (consumer-to-merchant referrals): Consumers receive a success bonus when a merchant they referred is onboarded onto Credia, implying a referral/referral-based incentive structure between Credia and consumers.
3. SME financing advisory services (IMM Invest program): Credia supports SME owners in preparing applications for state-guaranteed credit programs (IMM Invest), in cooperation with an SME financing specialist (Răzvan Hărătău), suggesting advisory/service revenue alongside the core aggregation business.

Pricing tiers

Go-to-market motion4 records

Core offering

Credia (credia.store) is a digital credit-brokerage platform that connects three sides — physical retailers and service providers (merchants), end consumers (buyers) and lenders (banks and IFNs) — to deliver point-of-sale installment financing in Romania. Merchants can offer credit to customers at the till in minutes without requiring a shopping card (only ID and a phone), consumers receive competing installment offers in real time, and lenders get pre-scored, API-routed loan applications with electronic signature executed in-platform. The offering is structured as one core SaaS-style web/native application with dedicated merchant, lender and consumer modules and an add-on for SME IMM Invest state-guaranteed financing.

Product overview

Credia (credia.store) is a single unified digital financing-aggregator platform offered as a marketplace that connects three sides — merchants/retailers, consumers (buyers) and lenders (banks and non-bank financial institutions / IFN-uri) — around an in-store installment-credit use case. The offering is structured as one core platform (credia.store) with three dedicated sub-products: 'Credia for Consumers (cumpărători)' for buyers accessing fast installment financing at the point of sale, 'Credia for Retailers/Merchants (comercianți)' that lets any merchant offer rapid credit to its customers (and, from June 2020, also SME financing), and 'Credia for Lenders (finanțatori)' which exposes the platform's API so lenders can receive pre-scored loan applications, perform risk analysis and sign contracts digitally. On top of this base, Credia also offers an add-on called 'IMM Invest program support' that helps Romanian SMEs access the state-guaranteed IMM Invest financing program with the help of an embedded SME financing specialist.

Differentiator

Problem solved

Functional benefit

Products and services

• credia.store Credia's core digital financing-aggregator platform (credia.store) that connects merchants (retailers/service providers), consumers (buyers) and lenders (banks and IFN/non-bank financial institutions) into a single online lending marketplace. It enables any merchant to offer installment payments to its customers, provides buyers with rapid and flexible credit at the point of sale, and delivers qualified, pre-scored loan applications to lenders. The platform is described as a 'WIN/WIN/WIN' solution and is offered as a flexible, intuitive web application under continuous development.
• Credia for Consumers (cumpărători) Consumer-facing module of the Credia platform that gives buyers access to fast, flexible installment financing for nearly any product or service at partner merchants. At the point of sale, the buyer presents an ID card for identity validation, answers a few questions, confirms interest via an SMS code on their personal phone, receives competing installment offers from Credia's financial partners, signs digitally and leaves with the product. Also includes a 'recommend a partner' referral feature with a success-based bonus.
• Credia for Retailers/Merchants (comercianți) Merchant-facing module of the Credia platform that lets any retailer or service provider (dentists, sports stores, opticians, installers, etc.) offer rapid credit to their customers at the point of sale in a few minutes, with no need for the customer to own a shopping card (only ID and a basic phone are required). From June 2020 it also extends to SME (IMM) financing. The module includes merchant onboarding/login via app.credia.store.
• Credia for Lenders (finanțatori) Lender-facing module of the Credia platform that lets banks, branches of international banks, IFN-uri in the General Registry and IFN-uri in the Special Registry connect via an API to receive pre-qualified credit applications from new customers at partner merchants. Lenders get ANAF and BC inquiry approvals, purchase-type data and configurable fields, can sign contracts digitally inside the platform (advanced e-signature) or via their own remote-signature system, and can also offer financing to the SMEs (IMM-uri) present on the Credia platform.
• IMM Invest program support Add-on offering within Credia that helps Romanian SMEs apply to the government-backed IMM Invest financing program (state guarantee, interest-subsidized loans up to 10 million RON for working capital or investments). Provided in partnership with Răzvan Hărătău, an SME financing specialist, who assists merchants with eligibility assessment, sizing of the loan request and preparation of the bank application file.

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• iCredit Romania: Romanian online consumer-credit provider offering fast in-store and online personal loans through its own platform. Directly comparable to Credia as a Romanian credit-aggregation / consumer-lending intermediary competing for the same merchant and consumer flow.
• Viva Credit: Romanian IFN offering online consumer loans and POS installment credit through partner merchants. Competes head-on with Credia for the same merchant relationships and end-consumer credit demand in Romania.
• TBI Bank: Bulgarian-headquartered bank with a large Romanian consumer-credit business, including in-store installment financing at retail partners. A direct peer in the Romanian POS credit market that Credia positions itself to aggregate on the lender side.
• Divido: UK-origin POS financing platform that aggregates multiple lenders behind a single in-store credit decision for retailers. Closest functional analogue to Credia's API-driven, multi-lender POS credit model, although operating at larger scale and across more geographies.

Broad incumbents

• Klarna: Global BNPL and consumer-credit aggregator offering point-of-sale installment products to merchants across Europe. Conceptually the same three-sided model (merchant–consumer–lender) at scale, serving as the strategic template Credia is replicating in Romania.
• Scalapay: Italian BNPL platform offering pay-in-3 and installment products at online and offline merchants across multiple European countries. A broader-incumbent POS credit aggregator with a comparable merchant–lender–consumer triangle.
• BRD – Groupe Société Générale: One of Romania's largest banks and a major issuer of consumer-credit cards and POS installment products. A potential lender partner or competitor depending on whether it builds its own in-store credit flows versus integrating with Credia.

Regional players

• PayPo: Polish BNPL provider offering 'pay later' and installment financing at online and offline merchants. A Central/Eastern European POS credit peer that validates the regional model Credia is pursuing in Romania.
• Twisto: Czech BNPL and consumer-credit platform serving merchants across CEE with in-store and online installment products. Regionally comparable to Credia as a CEE consumer-credit aggregator addressing the same use case in a different country.

Emerging players

• FintechOS: Romanian fintech infrastructure company providing digital onboarding, credit-origination, and core-banking tooling to banks and lenders. Comparable as a fellow Romanian fintech building API-based credit infrastructure, though serving lenders rather than merchants directly.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Crediastore-113248820129333
• LinkedInlinkedin.com/company/credia-store

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credia