Microinvest, part of the BT story
When we talk about the BT Group, we primarily think of Romania. But the Group's story also extends beyond the Prut River, where, through Victoriabank and Microinvest, we support people and businesses in the Republic of Moldova.
And if the name Microinvest is not yet familiar to you, we have a few interesting things to share.
With over 23 years of experience, Microinvest is the leader in the non-bank lending market in the Republic of Moldova and is part of the Banca Transilvania Financial Group through Victoriabank, its sole partner.
The company offers financing for individuals, entrepreneurs, and farmers. From a business needing new equipment to a farmer modernizing their operations or a family renovating their home.
9 billion MDL in financing. And a few figures that tell the story
Microinvest ranks 5th in the financial sector of the Republic of Moldova, and the results show the scale of its activity:
- Over 9 billion Moldovan lei (approximately 450 million euros) – the loan portfolio.
- Over 52,600 active clients, individuals and legal entities.
- Approximately 45% market share in non-bank lending.
- 59% of the portfolio is dedicated to entrepreneurs and farmers.
- Ranked 1st by the number of Agro loans granted in the Republic of Moldova – practically every second Agro loan is granted by Microinvest.
Agriculture is one of the sectors where Microinvest has a significant presence. In addition to holding the top position by number of Agro loans granted, the company also ranks second in the financial sector by the value of its Agro loan portfolio.
From branch to loans managed by phone
Just like in Romania, financial services in the Republic of Moldova are becoming increasingly digital.
Microinvest combines the consultancy offered through 18 secondary offices or agencies as they are called in Romania, with online services already used by over 23% of clients.
From the Microinvest app, clients can:
- Apply for loans and track application status.
- Sign documents remotely for eligible transactions.
- Check the repayment schedules and payment history.
- Pay installments and check the next due date.
- Receive funding in your account via MIA, depending on the product.
Starting this year, the app also includes features for entrepreneurs, who can apply for financing and credit limit increases directly from their phone.
A part of these developments are carried out by Microinvest Technology, the subsidiary that internally develops software solutions for the company.
Two markets, the same direction
Whether we are talking about a family business in Romania or a farm in the Republic of Moldova, access to financing can make the difference between a plan and putting it into practice.
In Romania, the BT Group supports entrepreneurs through banking services, leasing, microfinancing, and investments. In the Republic of Moldova, Victoriabank and Microinvest contribute in the same direction, with solutions adapted to the local market.
The story continues, with new digital services and financing opportunities for people and businesses on both sides of the Prut.
