Claret Credit

What Claret Credit does

Claret Credit (legal entity: Claret Euro Credit IFN S.A.) is a Romanian non-banking financial institution (IFN) founded in 2013 and regulated by the National Bank of Romania (BNR) under registration numbers 41–110279/09.08.2013 (General Registry) and RS-PJR-41-110082/16.02.2018 (Special Registry). The company is a wholly-owned subsidiary of the international financial group Zuk Finance, which operates across Europe, Asia, and the United States. Claret exclusively serves legal entities (companies, SMEs, micro-enterprises, and entrepreneurs) in Romania through a portfolio of six core credit products: investment credits with real estate collateral (up to 2.5 million RON, up to 10 years), agricultural credits under the AgriCredit brand (up to 200,000 EUR, farmland-collateralized), working capital credits (up to 2.5 million RON, with or without guarantee), a fully digital MicroCredit Online product (5,000–10,000 RON, 24-hour approval), revolving credit lines (up to 750,000 RON), and personal credits with real estate guarantee (up to 900,000 RON) for clients with negative credit history.

The company operates a proprietary digital lending platform that supports end-to-end online application, automated decisioning, electronic contract signing, and direct fund disbursement for microcredits, combined with internal business intelligence analytics for tracking sector-specific financing patterns. It runs a hybrid distribution model: a self-serve digital channel for small-ticket credits and a consultative direct sales force via three physical branches in Bucharest (headquarters), Brașov (opened November 2025), and Timișoara, covering western and central Romania. Revenue is generated through interest income on loans (rates ranging from 2% monthly on secured credits to 19.99% annual on microcredits), one-time loan arrangement fees (e.g., 500 RON on microcredits), and ongoing administration commissions (e.g., 4% annual on representative investment credit calculations). Pricing is transaction-based with no subscription or recurring SaaS component, and customer acquisition relies on content marketing (blog, SEO), organic social media (Facebook, Instagram, LinkedIn, YouTube), and free financial consultation as a top-of-funnel engagement channel.

In 2025, Claret achieved 83 million RON in credit volume (150% year-over-year growth), served 700+ businesses through its microcredit program, and grew net assets approximately 30% to 142 million RON. The portfolio is positioned in the top 10 Romanian IFNs by assets for legal-entity clients (excluding leasing companies and bank-owned entities). Under CEO Mircea Lupu, appointed in 2025, the company has undergone management team consolidation, process digitalization, and geographic expansion, and joined the Association of Microfinance in Romania (AMF) in January 2026 to align with industry ethics and responsible lending standards.

Name

Claret Credit

Legal name

Claret Euro Credit IFN S.A.

Website

https://claret.ro

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Claret Credit is a Romanian non-banking financial institution (IFN) regulated by BNR, lending exclusively to SMEs, micro-enterprises, and entrepreneurs via secured investment credits, agricultural credits, working capital loans, digital microcredits, and revolving credit lines across three physical branches and online channels.

Ownership category

akta.pro rank

Product category

Non-Banking Financial Services / Alternative Lending

SIC

Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSAAAHAG

Private Credit / Direct Lending

Financial & Insurance/Asset & Wealth Management/Asset Management — Fixed Income & Credit

Keywords

• Non-banking lending
• Sme financing
• Microcredit services
• Agricultural lending
• Alternative lending

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Core revenue from interest charged on various credit products including investment credits, working capital loans, agricultural credits, and microcredits. Interest rates range from 2% monthly for secured loans to 19.99% annual for microcredits
2. Loan Arrangement Fees: One-time fees charged upon loan disbursement, such as 500 RON arrangement fee for microcredits
3. Administration Commissions: Ongoing monthly or annual administration commissions on loans, such as 4% annual administration fee mentioned in representative calculations

Pricing tiers

Distribution channels3 records

Marketing channels8 records

Core offering

Claret Credit (Claret Euro Credit IFN S.A.) is a Romanian non-banking financial institution that lends primarily to legal entities and entrepreneurs through secured and unsecured credit products — investment credits with real estate collateral, agricultural credits, working capital credits, revolving credit lines, and 100% online microcredits (5,000–10,000 RON), plus a personal-needs credit with real estate guarantee. Distribution blends a fully digital application and approval channel (24-hour decisioning for microcredits) with in-person consultative sales at branches in Bucharest, Brașov, and Timișoara.

Product overview

Claret Credit is a non-banking financial institution (IFN) offering a portfolio of lending products exclusively for legal entities and entrepreneurs in Romania. The product suite includes secured investment credits (real estate guarantee, up to 2,500,000 RON), agricultural credits under the AgriCredit brand (up to 200,000 EUR), working capital credits (with/without guarantee), online micro-credits (5,000-10,000 RON, fully digital), credit lines (up to 750,000 RON), and personal credits with real estate guarantee (up to 900,000 RON). The company combines digital processes with human consultation, operating physical branches in Bucharest, Brașov, and Timișoara alongside online application channels.

Differentiator

Problem solved

Functional benefit

Brands

• AgriCredit: Agricultural credit product providing financing up to 200,000 euros for agricultural investments, with land as collateral.
• MicroCredit Online

Products and services

• MicroCredit Online pentru Firme (Online Micro-Credit for Companies)

Quantifiable outcome

• 83 million RON credit volume in 2025, 150% growth YoY
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Asociația de Microfinanțare din România (AMF)coreStrategic or Co-development Partner · 1 January 2026Claret became an official member of the Romanian Microfinance Association (AMF) in January 2026. AMF brings together over 20 members, the most relevant players in Romania's microfinance sector. The association promotes high ethics, professionalism, and responsibility standards in the non-banking financial sector, and supports financial inclusion for entrepreneurs with limited access to financial services.
• Claret Solutions S.R.L.minorOthersRelated company (CUI 38856257) to which Claret may disclose: identity data, contact data, professional and family life data, financial data, transaction and property data, for the purpose of fulfilling contractual obligations, legal obligations, and protecting legitimate interests.
• Partner Banking InstitutionsminorOthersBanking institutions partnered with Claret for credit operations. Personal data is transmitted to banking partners (as Operators) to execute lending activities.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Ferratum Romania (multitude SE): Digital consumer and small-business lender in Romania under the Multitude SE group. Comparable to Claret in digital origination speed and small-ticket credit focus.

Broad incumbents

• TBI Bank: Digital bank active in Romania (and Bulgaria) with strong consumer-credit and SME-lending franchises. Competes for the same underbanked SME and consumer borrower pool with both physical and digital distribution.
• Libra Internet Bank: Digital-native Romanian bank serving SMEs and entrepreneurs, including agribusiness. Direct competitor for Claret's SME and agricultural lending segment, with deposit-funded balance sheet.
• Cetelem IFN (BNP Paribas Personal Finance Romania): Large consumer and SME credit provider in Romania, part of BNP Paribas. Overlaps with Claret's personal-credit-with-real-estate-guarantee product and is an established incumbent in the same regulatory framework.
• BRD Finance IFN (BRD - Groupe Société Générale): Bank-affiliated consumer-credit IFN in Romania. Overlaps with Claret in personal-credit-with-real-estate-guarantee and broader SME financing, with materially larger balance sheet.
• Provident (International Personal Finance Romania): Established home-credit and consumer-loan provider in Romania with doorstep and digital channels. Comparable product set to Claret's microcredit and personal-credit offerings, with much larger scale.

Direct peers

• Patria Credit IFN: Romanian microfinance IFN focused on rural and small-business lending, including agriculture. Closely comparable to Claret's AgriCredit and microcredit products, with similar target customer profile.
• Credius IFN: Romanian IFN offering personal and SME loans, including real-estate-backed credit lines and short-term installment products. Comparable in customer segment, product structure, and regulatory category.
• Viva Credit IFN: Romanian non-banking financial institution focused on SME and personal lending with similar product mix (microcredit, working capital, real-estate-backed loans). Most direct domestic competitor in the legal-entity IFN segment.

Regional players

• Kiwi Finance: Romanian IFN and loan-broker platform focused on consumer and SME refinancing and lending. Competes with Claret in the same domestic market across personal and business credit products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC7KijzXz4jc6AZkxPizB8sw
• Facebookfacebook.com/Claret.Credite.Rapide
• LinkedInlinkedin.com/company/claret-%C2%A9
• Instagraminstagram.com/claret_credit

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 Claret Credit