Digital lending built by banking experts.

Finovo is an entrepreneurial team combining high-level banking expertise with next-generation technology.

Start analysisMeet the team

An online credit broker built for the pace clients expect today.

We operate with a clear vision: lending should be digital, fast, and fully secured.

Transparency and verification

An online credit broker with clear and verifiable processes.

National coverage

We give clients across the country access to advice and financing solutions.

Digital-first and secure

Data is protected, and processes are simplified at every stage.

Legal identity and contact details

Finovo is operated by a single Romanian company. The details below are the ones published in the platform's Terms and Conditions and Privacy Policy.

Legal operator
SC Innovative Professional Services SRL
Platform operated
Finovo — www.finovo.ro
Trade Registry
J2019000294124
Sole registration code
RO40506547
Registered office
Calea Florești nr. 4, Cluj-Napoca, Cluj County, Romania
Legal representative
Barbu Nicolae, administrator
Governing law
Romanian law. Disputes are settled by the competent courts in Cluj-Napoca.
Contact email
contact@finovo.ro

You can verify the company registration with the Trade Registry using number J2019000294124. For broker status and complaints, use the official destinations in the consumer protection section.

What Finovo does in each service

Our role changes from one service to another. We spell it out so you know exactly who you are dealing with at every step.

The Biroul de Credit report

Your mandatary

Based on the mandate you grant in the platform, we query Biroul de Credit on your behalf and make your registration record available to you. It is a paid service, priced according to the grid shown in the platform. Checking your own profile does not affect your FICO score, and we neither influence nor guarantee the accuracy of the data Biroul de Credit provides.

Comparing credit offers

Credit broker

We show you credit offers from financial institutions and help you understand your profile before you apply. We do not set the terms of those offers and cannot promise an amount or an interest rate.

The lending decision

Stays with the lender

Every application is assessed separately by the financial institution you choose. Criteria differ between lenders, and the approval decision belongs to each lender, not to Finovo.

Finovo is not a lending institution: it does not grant credit, does not set interest rates, and does not make approval decisions.

Commercial relationships and references

We separate the relationships we actually have from institutions that appear only as an informational reference.

Lending partners

We do not publish a list of lending partners, because we do not have one that is publicly confirmed. The offers you see in the platform come from the financial institutions that make them available, and each keeps its own criteria and its own decision.

For details about a specific offer and the institution granting it, write to us at contact@finovo.ro.

Informational reference: Biroul de Credit

Biroul de Credit is the system we obtain your report from, strictly on the mandate you grant. It is not a commercial partner of Finovo.

Biroul de Credit S.A., Str. Sfânta Vineri nr. 29, Bucharest, Sector 3, Trade Registry J2004002176400, sole registration code RO16140132.

The banks and non-bank financial institutions listed on the home page participate in the Biroul de Credit system. Their participation does not make them Finovo partners.

Service providers

To run the platform we work with providers by category: IT and hosting, identity verification, payment processing, and support. The categories and legal grounds are described in the Privacy Policy.

Read the Privacy Policy

Consumer protection

You can check our standing directly with the authority and file a complaint using the official destinations below.

Complaints straight to us

Send your complaint to contact@finovo.ro. We reply within a maximum of 30 calendar days. Disputes are settled by the competent courts in Cluj-Napoca under Romanian law.

The Finovo team

Finovo is built on complementary experience across banking, technology, and legal expertise.

Roles and experience are self-reported by each team member. The public profiles below are where you can verify them.

Nicolae Barbu

Nicolae Barbu

Co-founder, banking and audit expert

More than 20 years of professional experience, with a banking background at Banca Transilvania and audit experience at KPMG.

Nicolae Barbu on LinkedIn
Alexandru Constantin

Alexandru Constantin

Co-founder, IT and banking systems expert

More than 15 years of experience in research and banking systems at Deutsche Bank and UiPath. Currently CTO of an ASF-authorized crowdlending platform.

Alexandru Constantin on LinkedIn
Oana Dragomir

Oana Dragomir

Legal expert

Lawyer with more than 20 years of experience in financial banking, with a background in Legal500 law firms, BRD, and First Bank. Specialized in mergers, ASF authorizations, and legal management.

Oana Dragomir on LinkedIn

Public material about Finovo

Not every article mentioning Finovo has the same status. We group them by what we can prove about each destination, so you can judge the source yourself.

Guides written by Finovo

Published by us on finovo.ro. Open any guide and see the author shown on the page itself.

Independent editorial coverage

Published on the publication's own editorial path, not an advertising one. The classification rests on the material's address alone.

Sponsored content

Paid advertorial: the publication marks it as advertising in the material's own address.

Mentions with unconfirmed editorial type

We have no public proof of the author. A headline resembling a Finovo guide does not prove who wrote it, so these mentions stay unconfirmed. Open each link and check how the publication labels it.

We remove distance, paperwork, and uncertainty.

We have national coverage and operate primarily digitally, giving clients across the country a platform where data is protected and processes are simplified. We remove geographical barriers and traditional bureaucracy, offering transparent access to financing solutions backed by unquestionable technical and financial expertise.

The right financing starts with a clear analysis.

Check your financial profile in Finovo and find the next step with a team that understands both banking and technology.

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