Efg Leasing

What Efg Leasing does

Efg Leasing is a private, for-profit Bulgarian consumer finance company operating under the BarzaKasa brand. Per the available firmographic data, it offers online short-term consumer loans and installment loans to individual borrowers in Bulgaria, accessed through its website at efgleasing.bg. The company's headcount is reported at 1-10 employees, indicating a very small operating team consistent with a niche or early-stage online lending platform rather than a scaled balance-sheet lender.

The business model is consumer lending: origination of short-term cash loans and longer-duration installment loans to retail borrowers, with revenue derived primarily from interest and fee income on the loan book. The .bg domain and BarzaKasa branding point to a Bulgaria-domiciled target market, with distribution through an online channel. The source material does not disclose pricing, interest rates, loan tenor, underwriting approach, funding sources, or capitalization.

The input data is materially incomplete: the company website returned only a loading/verification page during enrichment, and consequently no management team, funding history, partnerships, customer logos, geographic footprint details, or technology stack information could be verified. The description above reflects only what is explicitly stated in the supplied firmographics; no further claims about scale, profitability, or strategic positioning are made.

Name

Efg Leasing

Website

https://efgleasing.bg

Company type

Private

Headcount range

1–10 employees

Short description

Efg Leasing is a small, private Bulgarian online consumer lender operating the BarzaKasa brand, offering short-term loans and installment credit to retail borrowers in Bulgaria through efgleasing.bg.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Sales Financing (52222)

SIC

Finance Lessors (6172), Personal Credit Institutions (6141)

akta.pro primary industry

E-commerce & Digital Checkout Installment Financing (FSAKAFAC)

akta.pro secondary industry

Rent-to-Own / Lease-to-Own Short-Term Credit (FSAKAMAK)

Keywords

• Consumer lending
• Short-term loans
• Installment loans
• Online lending
• Personal finance

GTM type

B2C

Offering type

Services

Cost components

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

Core offering

Efg Leasing originates and distributes online short-term consumer loans and installment loans to individual borrowers, marketed under the BarzaKasa brand. The company operates a small digital storefront (1-10 employees) accessible through its corporate website, focused on direct-to-consumer personal credit products.

Differentiator

Problem solved

Functional benefit

Products and services

• BarzaKasa Short-Term Consumer Loans
• BarzaKasa Installment Loans

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Direct peers

• Easy Credit Bulgaria: Easy Credit is a Bulgarian non-bank consumer lender providing cash loans and installment credit to individuals. It competes directly with EFG Leasing in the same Bulgarian consumer credit market.
• Vivus (4finance Group): Vivus is one of the largest online short-term and installment lenders in Bulgaria, operating a digital storefront similar to EFG Leasing's BarzaKasa product. Both target Bulgarian consumers with small-ticket, short-duration credit originated online.
• Ferratum (Multitude): Ferratum (now Multitude) is a pan-European digital lender offering short-term consumer loans and installment credit, with an active Bulgarian presence. It is a direct competitor in the online consumer loan category that BarzaKasa serves.
• Credissimo Bulgaria: Credissimo is a Bulgarian online consumer and small-business lender offering fast-approval cash loans. Its digital origination model and short-term loan products overlap directly with BarzaKasa's offering.

Broad incumbents

• BNP Paribas Personal Finance Bulgaria: BNP Paribas Personal Finance operates consumer credit operations in Bulgaria, including installment and personal loans. It is a large international bank-affiliated competitor in the same consumer lending category.
• UniCredit Consumer Financing (Bulgaria): UniCredit Bulbank's consumer finance division offers personal loans and installment credit across Bulgaria. As a bank-affiliated lender, it competes with EFG Leasing in the broader consumer credit category with deeper funding and broader brand recognition.
• TBI Credit (part of TBI Financial Group): TBI Credit is the consumer lending arm of one of Bulgaria's largest financial groups, offering consumer loans and POS financing at national scale. It represents an established incumbent that competes with EFG Leasing on both standalone and point-of-sale installment lending.

Regional players

• Zalety (Provident-style home credit): Home credit / agent-based consumer lenders operating in CEE retail customer lending categories. They serve overlapping consumer segments in Bulgaria and adjacent markets with installment loan products comparable to those offered by BarzaKasa.

Emerging players

• Cashforce / Monefit (IPF Digital): Monefit is a digital consumer lending brand operated by the International Personal Finance group, active across CEE and Baltics. It uses a similar online short-term and installment loan model to BarzaKasa in regional European markets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat1 record

Key risks5 records

Key highlights4 records

Customer concentration

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 Efg Leasing