# Afranga

> Afranga is an EU-regulated (ECSPR) peer-to-peer crowdfunding platform offering fixed-term savings plans with predictable returns. It connects people with idle cash to peer-to-peer financing across European markets.

## About

Afranga is regulated by the European Securities and Markets Authority (ESMA) under the European Crowdfunding Service Provider (ECSP) framework. The platform operates across Bulgaria, France, Germany, Netherlands, Austria, Belgium, Czech Republic, Poland, Spain, Italy, Portugal, Greece, Romania, Slovakia, and Slovenia.

- Founded: 2018
- Headquarters: 79B Aleksandar Malinov Blvd., floor 5, 1712 Sofia, Bulgaria
- Regulation: ECSPR (EU-wide)
- Website: https://afranga.com

## Products

### SaveSmart
Automated savings plans with fixed terms and fixed returns. Choose a plan, deposit funds, and earn predictable monthly interest.
- Terms: 3, 6, or 12 months
- Returns: 8-10% p.a.
- No investor fees
- Auto-allocation across diversified loan portfolios
- URL: https://afranga.com/save-smart

### Marketplace
Browse and invest in individual business loans. Full control over which loans to fund, with filtering by interest rate, term, originator, and risk grade.
- Terms: 3, 6, or 12 months
- Returns: 8-10% p.a.
- No investor fees
- URL: https://afranga.com/marketplace

### Real Estate Loans
Invest in loans backed by real estate assets. Fixed returns secured by independently valued property.
- Interest rate: 9.00% p.a. (fixed)
- Term: 12 months
- Interest paid monthly, principal returned at maturity
- Backed by real estate collateral
- URL: https://afranga.com/real-estate

## Key Pages

- How It Works: https://afranga.com/how-it-works
- SaveSmart: https://afranga.com/save-smart
- Marketplace: https://afranga.com/marketplace
- Real Estate: https://afranga.com/real-estate
- Statistics: https://afranga.com/statistics
- Investor Guide: https://afranga.com/investor-guide
- About: https://afranga.com/about
- Blog: https://afranga.com/blog
- FAQ: https://afranga.com/faq
- Contact: https://afranga.com/contacts

## Key Facts

- Fixed-term investments: 3, 6, or 12 months
- Returns: 6-14% p.a. depending on product and term
- No investor fees
- EU-regulated under ECSPR
- Risk warning: Investment in crowdfunding projects entails risks, including the risk of partial or entire loss of the money invested. Investments are not covered by deposit guarantee or investor compensation schemes.

## Loan Originators

Credirect, Lendivo, Lev Credit, Stikcredit, Svycarska Pujcka, Tiberus

## Contact

- Website: https://afranga.com/contacts
- Help Center: https://help.afranga.com/hc/en-us