Afranga
Bulgaria · Consumo · Fundada 2021
Nuestra nota
Rentabilidad media
16,0%
máximo anunciado
Regulación: ECSPR licence, decision 863-DUKF of 12 Sep 2023 (Financial Supervision Commission, Bulgaria)
0,5 % de cashback sobre el dinero que deposite e invierta en sus primeros 90 días
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Nuestro veredicto
Afranga is better regulated than most platforms paying double-digit rates: AFRANGA EOOD holds an ECSP licence from Bulgaria's Financial Supervision Commission (Decision 863-ДУКФ, 12 September 2023), passported to France, and client money sits in individual accounts at Lemonway rather than in the platform's own account. That is a difference in how money is handled, not in what it is lent to. By Afranga's own originator figures, about 95% of invested money sits with Stikcredit, Lendivo and Tiberus, companies built by the same team; Afranga's sole owner, Svetlin Sabev, sits on Stik-Credit's board, and Stik-Credit's audited 2024 accounts show BGN 10.1 million owed to it by related parties. There is no buyback and no compensation scheme, so six originators on the page behave like one exposure.
Leer nuestra reseña completa de AfrangaRegulación, rentabilidad, comisiones, riesgos y nuestro veredicto, en detalle (en inglés).Lo que funciona
- ECSP licence from Bulgaria's FSC (Decision 863-ДУКФ, 12 September 2023), confirmed on the AMF white list rather than merely claimed
- Client money held in individual accounts at Lemonway, an ACPR-licensed payment institution, outside Afranga's own accounts
- Anchor originator Stik-Credit publishes audited accounts with an unqualified opinion from Zaharinova Nexia, showing a 2024 net profit of BGN 6.8 million
- No marketplace fees, a €10 minimum per loan, early withdrawal of up to 30% on SaveSmart for 1%, and a secondary bulletin board since August 2026
Lo que no
- About 95% of the money on Afranga's originator page sits with Stikcredit, Lendivo and Tiberus, which share a founding team
- No buyback and no compensation scheme; the terms disclaim any warranty of borrower solvency
- Headline figures do not match: €100M+ invested on the homepage against €43.05 million on the statistics page, and 'up to 16%' against averages of 8.97–11.58%
- Short, interrupted history: relaunched in March 2025, no auto-invest, and the secondary market only weeks old
Para quién es
Investors who want a licensed platform at the high end of the rate range and will treat the whole position as one bet on one Bulgarian lending group, sized accordingly.
Desglose de la nota
Cómo se calcula esta puntuaciónCada dimensión se puntúa de 0 a 10 a partir de datos documentados, luego se multiplica por su peso y se suma. No se redondea hasta el final.
Cifra tomada de: go.afranga.com · 19 sept 2026 · Afranga advertises 'up to 16%'. Its own originator table shows per-originator averages of 8.97-11.58%, and independent trackers report realised returns of 12.9-14.7%. We publish the advertised maximum because the platform's own pages do not agree on an average.
Seguimiento de condiciones
Releemos las condiciones públicas de esta plataforma cada día y registramos lo que cambia.
