Efin.ro

What Efin.ro does

Efin.ro is a Romanian financial services comparison and consumer information platform operated by RisCo Servicii Financiare SRL (registered 2014, headquartered in Bucharest). The platform enables individual consumers, small businesses, and companies to compare credit products (personal loans, mortgages, auto loans, Prima Casa, refinancing), term deposits, credit cards, and leasing from a broad panel of Romanian banks and non-bank financial institutions (IFN). Its core proprietary asset is the Credit Scoring algorithm, described as unique to Romania, which uses 5-15 parameters derived from historical loan repayment data to generate a 0-100 repayment probability score, with bank-specific scoring sub-models for 13 institutions including BCR, BRD, Raiffeisen, Alpha, ING, and Banca Transilvania. Supporting modules include salary calculators, a financial news and guides library (221+ guides), an online bill payment service integrated with 10+ Romanian utility providers, and a separate business directory (Firme.Efin.ro).

The platform is delivered as a self-serve web product following a product-led growth model: comparison tools, calculators, and credit scoring are free to end users, while revenue is generated through (1) affiliate referral and lead-generation fees from Romanian banks and IFN institutions that pay for visibility and qualified applicant leads, and (2) a professional training division delivering financial analysis, business planning, and financing structuring courses to enterprise clients such as BCR, Alpha Bank, Petrom, Garanti Bank, and BancPost. Distribution is purely organic digital — content marketing, SEO, and a Facebook page — with no physical branches. The company is privately held, has no disclosed parent or venture funding, and operates exclusively within Romania, with reported cumulative scale of 91,305 credit applications and 922,329+ Credit Scoring visitors.

Name

Efin.ro

Legal name

RisCo Servicii Financiare SRL

Website

https://efin.ro

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Efin.ro is a Romanian financial services comparison platform operated by RisCo Servicii Financiare SRL, offering credit scoring, loan/deposit/card/leasing comparison, salary calculators, and bill payment to Romanian consumers and SMEs, monetizing via bank affiliate lead generation and enterprise financial training courses.

Ownership category

akta.pro rank

Product category

Financial Services Comparison

NAICS

Credit Bureaus (56145)

SIC

Loan Brokers (6163)

akta.pro primary industry

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

Keywords

• Financial product comparison
• Credit scoring services
• Loan comparison platform
• Bank deposit comparison
• Financial comparison portal

Headquarters

HQ city

Gheorghe Doja

HQ country

Romania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Advertising and lead generation from financial institutions: The platform monetizes through partnerships with banks and financial institutions by displaying their credit products. Financial institutions pay for visibility and lead generation when users apply for their products.
2. Professional training courses: Training division offers specialized financial training courses for entrepreneurs and financial analysts. Courses cover financial analysis, business planning, funding structuring and negotiation, time value of money, and strategic business evaluation.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Efin.ro is a Romanian online financial services comparison platform that lets users search, compare, and apply online for credit products (personal loans, mortgages, auto loans, Prima Casa, refinancing), term deposits, credit/debit cards, and leasing from a broad set of Romanian banks and non-bank financial institutions. Its distinctive feature is a proprietary Credit Scoring algorithm unique in Romania, supplemented by loan/salary calculators, bill payment services, financial guides, and a professional financial training course program.

Product overview

Efin.ro is a Romanian financial services comparison platform operated by RisCo Servicii Financiare SRL. The platform operates as a multi-module financial portal featuring Credit Scoring (the core proprietary algorithm unique in Romania for creditworthiness evaluation), a comprehensive credit comparison platform covering personal loans, mortgages, auto loans, and refinancing options, term deposit and card comparison services, bill payment integration with utility providers, salary calculators, financial training courses, and a company database (Firme.Efin.ro). The Credit Scoring system serves as the primary differentiator, while the comparison and calculator tools form the supporting service ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• Firme.Efin.ro: A Romanian business directory providing company information, registration data, contact details, and financial indicators for companies in Romania.

Products and services

• Credit Scoring A proprietary algorithm that evaluates individuals' creditworthiness on a 0–100 point scale using 5–15 parameters and historical loan repayment statistics. Unique in Romania, it determines repayment capacity and associated risk before a formal credit application is made.
• Credit Comparison Platform Comparison platform for credit products across multiple Romanian banks and financial institutions, covering personal loans, mortgages, real estate loans, Prima Casa (first home) loans, auto loans, and refinancing options.
• Depozite la Termen (Term Deposits) Comparison platform for term deposits across Romanian banks, covering RON, EUR, USD, and GBP currencies with various maturity periods.
• Carduri (Cards) Comparison platform for credit cards and debit cards from various financial institutions in Romania.
• Leasing Leasing comparison services for individuals and businesses, including auto leasing and equipment leasing.
• Calculator Salarii (Salary Calculators) Suite of salary calculators including gross-to-net (Brut la Net), Author Rights calculator, and PFA (sole proprietor) calculator.
• Plata Factura (Bill Payment) Online bill payment service for utility companies including telecommunications (Vodafone, Orange, Cosmote, Romtelecom), cable (RCS RDS, UPC), and energy providers (Enel, E.ON, GDF Suez, Congaz).
• Training si Cursuri de Pregatire Financiara Professional financial training courses for entrepreneurs and analysts covering financial analysis, business planning, financing structuring and negotiation, time value of money, and strategic business evaluation.
• Firme.Efin.ro (Company Database) Free database of Romanian companies with official registration data, contact information, financial indicators, and business sector information sourced from the Trade Registry and Ministry of Finance.
• Credit Scoring for Banks

Quantifiable outcome

• 922,329+ visitors have used the Credit Scoring service
• +1 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability2 records

Feature1 record

Partnerships

13 partnerships are on record, tiered minor and core.

• Tradeville.euminorChannel Partner/ Reseller/ DistributorStock broker partner offering Forex and CFD trading services. Listed as a partner under the 'PARTENERI EFIN.ro' section on the website footer.
• BCR (Banca Comerciala Romana)coreOthersMajor Romanian bank offering credit products through the platform. Multiple credit categories available including personal loans, mortgage loans, and Prima Casa programs. Primary provider partner with dedicated credit scoring models.
• BRD - Groupe Societe GeneralecoreOthersRomanian bank offering credit products through the platform. Available products include personal loans, mortgage loans, and deposits.
• Raiffeisen BankcoreOthersRomanian bank offering credit and deposit products through the platform. Multiple credit categories and dedicated credit scoring model available.
• Alpha Bank RomaniacoreOthersRomanian bank offering credit products through the platform. Available products include deposits, personal loans, and mortgage loans.
• ING Bank RomaniacoreOthersRomanian bank offering credit products through the platform. Available for credit comparison and deposit products.
• CEC BankcoreOthersRomanian state bank offering credit and deposit products through the platform.
• Credit Europe BankcoreOthersRomanian bank offering credit and deposit products through the platform.
• Garanti Bank RomaniacoreOthersRomanian bank offering credit products through the platform. Available for credit comparison and deposits.
• UniCredit Bank RomaniacoreOthersRomanian bank offering credit products through the platform.
• Banca TransilvaniacoreOthersRomanian bank offering credit and deposit products through the platform. Major player in the Romanian banking market.
• Various IFN institutionsminorOthersNon-banking financial institutions (Institutii Financiare Nebancare) offering credit products through the platform. Includes various credit providers beyond traditional banks.
• RisCo - Verificare FirmecoreStrategic or Co-development PartnerCompany verification and business intelligence service. Listed as a linked partner for firm verification, contact information, and client lists. Sister company under the same corporate umbrella.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Conso.ro: Romanian personal finance portal aggregating banking products, loans, and credit comparisons. Comparable as a Romanian market direct competitor in the consumer credit comparison and lead-generation space.
• Finder.com: Global financial product comparison platform operating across multiple geographies. Comparable as an international consumer-finance comparison site with affiliate referral revenue across credit cards, loans, and banking products.
• Credit Karma: US-based credit score and financial product comparison platform owned by Intuit. Closest conceptual peer: free credit scoring tool paired with affiliate lead generation across credit cards, loans, and deposit products.
• Bankrate: US financial comparison publisher for banking, lending, and credit card products. Comparable as a content + comparison platform with affiliate lead-generation revenue across deposits, mortgages, and consumer credit.
• FinZoom.ro: Romanian financial comparison platform offering credit, deposit, and loan product comparisons. Directly comparable as a domestic peer operating in the same Romanian market with similar lead-generation revenue model and bank aggregation functionality.
• NerdWallet: US personal finance comparison platform offering credit cards, loans, banking product comparisons and educational content. Comparable as a content-driven, affiliate-revenue financial comparison site targeting consumer financial decisions.
• LendingTree: US online loan marketplace that connects borrowers with multiple lenders. Comparable as a multi-lender lead-generation and comparison platform with affiliate economics in consumer lending.

Broad incumbents

• MoneySupermarket: UK-listed financial comparison platform covering loans, mortgages, insurance, and banking. Comparable as a broader incumbent comparison portal with affiliate revenue from multiple financial institutions in a single national market.
• GoCompare: UK financial and insurance comparison platform (now part of Future plc). Comparable as an established European comparison marketplace with consumer-facing product comparison across credit and deposit products.

Emerging players

• BankBazaar: India-based financial product comparison marketplace for credit cards, loans, and insurance. Comparable as an emerging-market comparison platform using lead-generation model with proprietary credit eligibility tools and bank aggregator functionality.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/efin.ro
• LinkedInlinkedin.com/company/efin.ro

Revenue estimate

Valuation estimate

Number of profiles

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 Efin.ro