Lendermarket Welcomes Best Credit: Digital Consumer Lending from Romania

We are pleased to announce the launch of Best Credit Invest IFN S.A. ("Best Credit") as a new Loan Originator on the Lendermarket platform. This partnership gives investors exposure to short- and medium-term consumer loans in Romania, originated by a licensed non-banking financial institution (NBFI) with an established track record in the market.

Best Credit is a fully digital lender that provides fast, fixed-rate consumer loans to individuals in Romania, with the entire process, from application to disbursement, completed online.

About Best Credit

Founded in Râmnicu Vâlcea, Romania (trade register J38/555/2014), Best Credit has built an entirely digital consumer lending platform over more than a decade of operation. The company is licensed by the National Bank of Romania (registered under RS-PJR-39-110080) and specialises in short- and medium-term, small-value personal loans.

Until 2024, Best Credit grew on an entirely organic basis, funded through reinvested profits rather than external capital.

What This Means for Investors

• Access to Romanian consumer credit investments opportunity: exposure to a licensed NBFI operating in a regulated market that is expanding annually, according to National Bank of Romania data cited in the company's materials.
• Short- and medium-term liquidity investments: loans have a 30  to 720 day  term, with an average loan size of RON 4,000 (EUR 800).
• Investment portfolio diversification possibility: a short- and medium-term consumer lending originator, distinct in profile from SME or property-backed lending already on the platform.

How BestCredit manages operational risks 

Best Credit's underwriting follows best-practice automated due diligence and verification processes rather than relying on manual, paper-based checks.

• Automated scoring and verification: applications are assessed through an automated credit scoring engine, with OCR-based document checks, digital KYC and e-signature, and direct integration with ANAF and credit bureau data.
• Fixed, standardised lending terms: loans of RON 1,000 to RON 10,000 (EUR 200 to EUR 2,000), fixed interest rate, 30  to 720 day  tenor, each loan includes life insurance* linked to the end borrower, which may cover outstanding repayments if an insured event occurs, subject to the Loan Originator’s applicable insurance policy terms and exclusions
• Track record on non-performing loans: according to the company's own reporting, loans more than 90 days past due (NPL 90+ DPD) run below 20 to 25%, which it describes as in line with the wider Romanian NBFI sector, with an annual recovery rate on non-performing loans of 65 to 70%.