Lending money professionally in Romania takes more than a company with a suitable objects clause. Non-banking financial institutions are entered in the National Bank registers, and the conditions concern capital, shareholding, management and internal documentation — checked before the first loan, not after.
Pawnshops follow the same route, with their own particularities: the security is a movable asset handed over, and the rules on valuing, keeping and realising it add a layer of their own.
Situations in which we are called
- You want to set up a non-banking financial institution for multiple lending activities
- You are opening a pawnshop and the registration procedure has to be followed
- An existing institution is changing its shareholders or management
- The internal lending rules and documentation need reviewing
- You are preparing for a supervisory inspection
- Framework contracts with customers have to be brought into line with the requirements
What we cover
- Incorporating the company and structuring the shareholding
- The registration file with the National Bank of Romania
- Internal lending rules, risk management and governance
- Pawnshop-specific documentation: valuation, safekeeping, realisation
- Credit and security agreements, with the clauses the law requires
- Anti-money laundering and know-your-customer compliance
How we work
We start with the structure: who the shareholders are, where the capital comes from and who will manage the business. These are examined most closely, and if problems appear it is far simpler to resolve them before filing than to answer requests for clarification afterwards.
Internal rules are not copied from someone else. They have to describe what you actually do — which products, which security, which limits — because that is precisely what gets compared against reality in an inspection.
What helps us start
- The proposed shareholding structure and the source of funds
- The people intended for management, with their experience
- A description of the lending products you will offer
- For pawnshops: the types of assets taken as security
