123Credit, the first marketplace in Romania dedicated to credits of personal needs, car, mortgage and refinancing, reports a remarkable increase to two and a half years after the investment Omnia Capital. The platform rapidly strengthens its position as a 'digital creditor', in a sector in which traditional banks invest massively in digitization, but in which the lending still depends on largely outdated processes.
In 2024, 123redit intermediated over 600 million lei in loans, 5 times more than in 2023 when the volume of distributed credits was 117 million lei, and for 2025 it is estimated to exceed 1 billion lei in distributed credits! A performance over the budget, generated by an agile team, supported by efficient systems that allow the rapid and scalable execution, in a market in transformation, driven by digitalization, expansion and consumption.
Over 500,000 Romanians chose 123redit in 2024, validating the investment thesis: access to lending must be digital, fast and accessible. The platform uses systems that reduce the application process only a few minutes, completely online, even for loans that, traditionally, involved waiting weeks and multiple bank visits.
The applicant can check his instant eligibility online through a pre-Scoring engine connected to ANAF and the Credit Bureau with the dedicated support from a personal broker throughout the process, to maximize the chances of approval.
For customers, 123redit means efficiency, transparency and equal access to a wide range of lending solutions. For financial institutions, the platform reduces costs, delivering qualified applicants and significantly better conversion rates.
The company became profitable in 2024, a rare performance for a start-up still in full expansion. 123Credit continues to expand their offer through leasing products, strengthening its position as a 'digital creditor' in Romania. Since the beginning of 2025, the platform has intermediated multiple leasing applications, including the financing of a Ferrari and a private plane.
Matei Ladea, co-founder of Omnia Capital and shareholder of 123redit, emphasizes:
“In a fragmented market, still dominated by bureaucracy and massive investments of banks in digitalization, I quickly scaled the most efficient and accessible digital lending solution, integrating efficient systems with specialized human assistance and completely simplifying the customer's experience. We budge to conclude 2025 with over 1.1 billion lei, In the second place at national level.
Article supported by 123redit
