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Business Microcredit
Rumunia
Business Microcredit IFN S.A. lends small sums to firms and to people in Romania, over one to six years. Mintos investors lend it money and earn interest. Our memo scores it 60 out of 100, a C, and puts the chance it fails to pay within a year at about 4%.
Kluczowe dane
- Średnie oprocentowanie
- 7.92%
- średnia, niegwarantowana
- Portfel pożyczek
- €3,717,375
- Już od
- €50
Ryzyko utraty kapitału. Oprocentowanie jest ustalone, ale nie gwarantowane: jeśli pożyczkobiorca nie spłaci zobowiązania, możesz stracić część lub całość swoich pieniędzy.
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Analiza AI
AILender memo · Business Microcredit · Romania
Business Microcredit: how likely is it to fail to pay its lenders?
Business Microcredit IFN S.A. lends small sums to firms and to people in Romania, from an office in Iași — money for equipment, for stock, for working capital, over one to six years, at 17% to 40% a year. It has been a licensed non-bank lender since March 2019 and on the National Bank's special register since February 2020. It takes no deposits. Mintos lists it as "Business Microcredit (RO)". This memo asks one question: what is the chance it fails to pay its lenders back in the next 12 months, and why.
THIS IS NOT FINANCIAL ADVICE. This memo was prepared with the help of AI from publicly available documents. It is general information for education only — not a recommendation to buy, sell or hold anything, and it does not take account of your circumstances. Figures may contain errors; check them against the original documents. Investing through P2P platforms can result in the loss of all money invested.
Our score
60/ 100
C Watch
ABCDE
about 4%chance it fails to pay in the next 12 months
1 in 26the same number, put the other way round
Where that sits on our scale
On our scale a C grade carries a portfolio limit of 6%. A second limit also applies: Romania is a D country on our scale, so every Romanian lender we cover is held to 5% between them, and Business Microcredit, Credius and Finopro count as one group inside that 5% because one owner stands behind all three. The tighter limit wins. These caps are a convention of our scale, applied to every lender we cover. They are not advice about your money.
A small lender with an unusually thick cushion — and a 2025 that went backwards
Two things pull in opposite directions here. Business Microcredit is better capitalised than almost any lender we cover: at the end of 2024 the owners' money was $10.6m against $16.4m of assets, about two-thirds of everything the company owns. Very little can go wrong in a loan book that is not absorbed before a lender is reached. That is what holds the score at 60.
Against it, 2025 was a worse year than any figure in the audited accounts shows. Turnover fell 21% to 17.0m lei and profit fell 63% to 3.07m lei. The first half alone earned about 4.7m lei, which means the second half lost about 1.6m. Borrowing rose from 26.3m lei to 49.2m. The filings do not say why any of this happened, and the 2025 accounts have not been audited.
Six things would stop us scoring at all and send the answer straight to E — a default, a missed payment to a platform, a regulator pulling a licence, an auditor doubting the company can continue, a broken promise to a lender, or accounts we cannot rely on. None applies here. Two things would pull the answer the other way, a guarantee from a stronger owner or a credit rating. Neither applies here.
💶Financial strengthB
Profitable in every period we can see, and the owners' money is about two-thirds of what the company owns. Interest was covered 7.3 times in 2024. But the 2025 profit fell 63%.
📉Loan bookC
The cost of bad loans was 3.4% of the book in 2024 — modest against rates of 17–40%. But defaulted loans leave the company at 90 days, sold to a sister firm, so the arrears you can see are not the whole story.
🇷🇴Country: RomaniaD
The leu, not the euro. The largest budget deficit in the European Union. A cap on the cost of credit that covers its consumer loans but not its business loans.
⚖️Group and other risksC
Income down a fifth in 2025, a loss in the second half, borrowing up 87%, and the staff count in the filing down from 40 to 11.
2025 turned down, and we cannot see why. The summary filed with the Ministry of Finance shows turnover down 21% to 17.0m lei and profit down 63% to 3.07m lei. Because the first half earned about 4.7m lei on its own, the second half must have lost about 1.6m. No filing we have explains it, and no audited accounts for 2025 exist yet.
Why this number matters
Every investment carries risk, and risk is not really a letter or a mark out of ten. It is two plain questions: how likely is it that this company fails, and how much of your money would you lose if it did. Put those together and you can see whether the reward is worth it.
For Business Microcredit: about a 4% chance of failing in the next 12 months. If we assume about 30% of the money comes back in that case, the risk costs roughly 2.6% a year. Mintos showed an average rate of 7.92% on these notes on 9 November 2026, so that rate is worth about 5.3% once the risk is paid for. Check the rate you are actually offered: what is left over after the 2.6% is what you are paid for taking the risk.
Show how this works
1. The rate is a promise, not a result
An advertised 10% is what you are promised if everything goes well. What you keep is that rate minus what failures cost you. So the rate on its own tells you very little.
2. Put a price on the risk
Risk cost = chance of failing × share of your money you would not get back. Nobody knows the second number in advance. How much comes back has varied widely from case to case. We use 30% back, 70% lost, as our own working assumption so that memos can be compared with each other — it is not a measured figure, and the answer moves a lot if you choose differently.
3. Compare like for like
Take two imaginary lenders. One pays 14% but has a 17% chance of failing within the year: the risk costs about 11.9% a year, leaving roughly 2%. The other pays 9% with a 2.5% chance: the risk costs about 1.8%, leaving about 7%. The lower rate is the better deal. That is the whole idea.
Where an investor can lend to it
Platform
MintosListed there as "Business Microcredit (RO)", under the Credius brand with its two sister companies, which have their own memos. Platform figures read on 9 November 2026.
Amount outstanding
€3.7mMintos's own figure, read on 9 November 2026. The accounts do not say how much of what the company borrows is owed to Mintos investors.
Rate on offer
7.92%The average rate Mintos showed on these notes on 9 November 2026. Mintos lists them with a buyback.
Mintos risk score
7.0 out of 10Mintos's own score, not ours, as Mintos last updated it on 9 October 2026, read on 9 November 2026. Its four parts: 8.1 for how the loans perform, 7.0 for servicing, 6.5 for buyback strength and 4.2 for the structure of the arrangement.
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