Are you looking for fast and reliable financing for your ideas? No matter what your plans are, Mikro Kapital can help make your dreams a reality. Whether you want to launch a business, invest in your current company, or simply need funds for a vacation to get inspired, Mikro Kapital has the right loan for your plans – be it a business loan or an agricultural loan.

Mikro Kapital IFN SA is a non-banking financial institution specialized in financing small and medium-sized enterprises, as well as individuals. As part of the international Mikro Kapital Group and a member of the European Microfinance Network (EMN), Mikro Kapital provides its clients with top-quality financing services. Our philosophy is based on honesty and transparency.

Mikro Kapital offers loans of up to 700,000 RON with repayment terms of up to 10 years! This allows us to meet any financing request from small and medium-sized businesses.

Clients can access business loans, agricultural loans, and personal loans, with Credit Officers always available to provide guidance on the most suitable financing solution.

As a Mikro Kapital client, you enjoy 7 key benefits

  1. Only a minimal set of documents is required to apply for a loan.
  2. Loan amounts ranging from 2,000 to 700,000 RON.
  3. Transparency, speed, and flexibility in all our lending products.
  4. Fast approval: for amounts up to 45,000 RON, you get a response within 2 days.
  5. Grace periods and flexible repayment schedules tailored to your business’s seasonality.
  6. Repayment terms up to 10 years.
  7. No down payment required for purchasing movable or immovable assets.

Financing is available for everyone!

We provide loans for both small and medium-sized companies. Whether your company is an SRL, SA, PFA, II, IF, you are a freelancer, or you run a private office, we can finance you! At Mikro Kapital, you can quickly and easily access agricultural loans, business loans, or personal loans.

We finance all types of needs

Working Capital Loans:

  1. Financing for inventory
  2. Payments to suppliers
  3. Payment of salaries or taxes
  4. Refinancing working capital loans from other institutions

Investment Loans:

  1. Financing for vehicle acquisition
  2. Financing for machinery and equipment
  3. Financing for real estate
  4. Financing for workspace setup
  5. Refinancing investment loans from other institutions

Quick Mixed-Purpose Loans:

Any combination of the above: Working Capital + Investment Loans

No matter your financial need, come to Mikro Kapital – together, we’ll find the perfect solution!