Easy Credit

What Easy Credit does

EASY CREDIT IFN S.A. is a Romanian non-banking financial institution (IFN) founded in Constanța on 28 May 2009 and operating under a 92,000,000 lei share capital. The company extends secured credit to both Romanian and foreign citizens aged 18+ and to legal entities (SRL, PFA, II, IF) registered in Romania. Its portfolio spans seven product lines: consumer credit secured by real estate mortgage (5,000-500,000 lei, up to 60 months, 36-46.69% APR), mortgage credit for real estate investment (up to 120 months, 14.4% APR for RON or 8% above BNR reference rate, with 60-80% own-contribution requirements), consumer credit with movable/immovable guarantees (28.80% APR under Law 243/2024 caps), treasury/working-capital credit for legal entities (5,000-2,000,000 lei, negotiable rate), factoring and discounting of commercial receivables, irrevocable guarantee letters for public-procurement and tax purposes, and seasonal credit for cyclical industries such as tourism and agriculture. All products share fixed interest rates, no analysis or administration fees, no early-repayment commissions under OUG 52/2016, and a 48-hour approval commitment from document submission.

The underlying operating platform is a credit-processing and management system with ISO 27001 information security certification, a 30-second web application form, a public credit simulator, and an ANSPDCP-registered personal-data processing workflow. Distribution is hybrid: 11 customer-facing branches across Bucharest (three sectors), Constanța, Galați, Timișoara, Iași, Cluj-Napoca, Brașov, Craiova, and Ploiești, staffed Monday-Friday 09:00-17:00, supported by an inside-sales call center with a 60-minute application-callback SLA. Revenue is generated almost entirely from interest on loans, with supplementary fees from guarantee letters and factoring transactions; the company advertises no fees outside interest, which makes net interest margin the dominant earnings driver. Customer segments are split between individuals (primary, with admitted Biroul de Credit entries permissible) and legal entities (primary, working-capital and SME use cases). The company holds BNR General Register nr. RG-PJR-14-110261/26.06.2009 and Special Register nr. RS-PJR-14-110077/07.08.2017, plus OSIM trademark registrations for 'EASY CREDIT' and 'CREDIT IN 48 DE ORE'.

Name

Easy Credit

Legal name

EASY CREDIT IFN S.A.

Website

https://easycredit.ro

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

51–100 employees

Short description

Easy Credit IFN S.A. is a Romanian non-banking financial institution, founded in 2009, that extends secured consumer, mortgage, treasury, factoring, and guarantee-letter credit to individuals and SMEs across Romania via 11 branches and digital channels, with 48-hour approval and fixed interest rates.

Ownership category

akta.pro rank

Product category

Non-Bank Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Non-bank lending
• Consumer credit
• Mortgage financing
• Business factoring
• Financial services

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Loans: Easy Credit generates revenue primarily through interest charged on loans. Interest rates are fixed monthly percentages (e.g., 2.4%-3.25% per month for consumer credits). The company explicitly states no analysis fees, no administration fees, and no commissions are charged, making interest the primary revenue stream.
2. Guarantee Letter Commissions: Commissions for issuing and managing guarantee letters, including issuance fees, analysis fees, and administration fees for extensions or modifications
3. Factoring/Scontare Fees: Fees for financing commercial receivables through factoring and discount operations, with transparent interest rates adapted to each client's needs

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Easy Credit IFN S.A. is a Romanian non-banking financial institution that grants secured loans and credit facilities to both individuals (persoane fizice) and legal entities (persoane juridice such as SRL, PFA, II, IF). Its portfolio includes consumer credits secured by real estate mortgage, mortgage loans for real estate investments, treasury/working capital credits, factoring and discounting of commercial receivables, guarantee letters, and seasonal credits, with fixed interest rates and approval within 48 hours.

Product overview

Easy Credit IFN S.A. is a non-banking financial institution (IFN) offering a comprehensive portfolio of credit products for both individuals and legal entities. The product portfolio includes: (1) Consumer credit products with real estate mortgage guarantees for individuals, (2) Mortgage credit for real estate investments, (3) Consumer credit with general movable guarantees, (4) Treasury credit with mortgage guarantees for legal entities (SRL, PFA, II, IF), (5) Factoring and discounting services, (6) Guarantee letters, and (7) Seasonal credit products. All credit products are characterized by fixed interest rates, no analysis fees, no administration fees, and rapid approval within 48 hours. The company operates through 11 branch locations across Romania with national coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit de consum cu garanție ipotecară (Consumer credit with real estate mortgage)

Quantifiable outcome

• Credit approval in 48 hours from document submission
• +3 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Scale indicators7 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• CEC Bank: State-owned Romanian commercial bank with the largest branch network nationwide; a broad incumbent that competes with Easy Credit on consumer and SMB lending products with deposit-funded cost-of-capital advantage, though it does not target subprime borrowers.
• Alpha Bank Romania: Universal Greek-owned bank operating in Romania offering consumer mortgages, SMB credit, and factoring; serves as a broad incumbent competing on pricing, deposit funding, and branch coverage across Easy Credit's product range.

Direct peers

• Credius IFN: Romanian online and branch-based lender focused on personal loans with mortgage collateral and refinancing; directly competes with Easy Credit's core product of consumer credit secured by real estate and pivots on similar speed and transparency value propositions.
• Kiwi Finance IFN: Romanian non-bank lender specializing in mortgage and consumer credit intermediation and direct lending; competes with Easy Credit's mortgage investment and consumer mortgage products under the same BNR regulatory framework.
• BRD Finance IFN: BRD Groupe Société Générale's non-bank financing arm offering consumer and auto loans in Romania; comparable in product set and BNR oversight, though it benefits from the BRD deposit base and larger balance sheet.
• Viva Credit IFN: Romanian IFN offering online personal loans and credit lines; comparable in serving the near-prime segment and offering fast digital origination, even though Easy Credit leans more on physical branches and secured products.
• Cetelem Romania (BNP Paribas Personal Finance): BNP Paribas subsidiary offering consumer credit and credit cards in Romania through partner retailers and direct channels; comparable in regulated NBFI consumer lending, distribution channels, and APR bands in the Romanian market.
• Patria Credit IFN: Romanian non-bank financial institution (IFN) offering consumer and small-business credit with physical branches and rural reach; closely comparable to Easy Credit in product mix, customer segments (including subprime/Biroul de Credit borrowers), and BNR-registered IFN operating model.
• Provident Financial Romania: International home-collected credit provider operating in Romania for personal installment loans; comparable in serving subprime and rural consumers with fixed-rate installment products and home-visit advisory overlay.
• TBI Credit: TBI Bank/Easy acquisition created one of Romania's largest NBFI lenders focused on consumer credit and BNPL at point of sale; directly comparable in product set (consumer installment credit) and BNR-regulated IFN operations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCPMIKvDcZPXPCQ2b3BtlmOQ
• Facebookfacebook.com/easycredit.ro
• LinkedInlinkedin.com/company/easycredit4allifns.a.

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

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 Easy Credit