Ion Creanga – Lendiball Interview 2026

Therefore, today we’d like to invite Ion Creanga, Director of Business Development and Operations at Lendiball, to the blog. Welcome to TodoCrowdlending, Ion!

1 – Hello Ion! First of all, for those crowdlenders who aren’t yet familiar with the brand, I’d like you to briefly tell us what Lendiball is.

Lendiball is a European alternative investment platform launched in 2025. Its goal is to connect investors with short-term consumer loans originated by regulated non-bank financial institutions within the Virtula Group ecosystem.

The platform was built with a clear philosophy: transparency, simplicity, and predictable returns. Instead of listing dozens of unrelated originators, we focus on a smaller and fully understood structure so investors can clearly see where their money is going and how the lending business operates.

We facilitate direct access to these lending opportunities, particularly in markets that still offer consistently attractive returns from a risk-adjusted perspective.

2 – What would you say is Lendiball’s unique value proposition for investor users? What are its differentiating factors compared to other competing alternatives?

Our main differentiator is transparency and alignment.

Many platforms scale by onboarding numerous loan originators across different countries. While this may appear diversified, it often becomes difficult for investors to fully understand the underlying risks.

At Lendiball, we chose a different approach. The originators operate within the same group structure, which allows for better operational control, faster decision-making, and clearer reporting.

We keep the structure simple: investors purchase receivables backed by real consumer loans and supported by the loan originator’s balance sheet. Combined with a buyback mechanism and audited financial reporting, this creates a framework where risk is visible and understandable.

For investors who prefer to fully understand where their returns come from, the structure becomes quite intuitive once reviewed in detail.

3 – I definitely think one of Lendiball’s differentiating factors is its focus on the Moldovan market… what is it about Moldova that makes it so special? Why is it attractive from a loan market perspective?

Moldova is often underestimated, but it has proven to be a very dynamic market for non-bank lending.

Online consumer lending started relatively early in the country, and several international groups later entered and successfully scaled their operations. The fact that multiple international players validated and expanded in this market is a strong signal of its underlying potential.

Another key factor is regulation. Moldova has implemented strict lending rules, including borrower debt-to-income limits and mandatory reporting to credit bureaus. This creates a disciplined environment and helps prevent excessive borrower leverage.

From a risk-adjusted perspective, this combination of demand, regulation, and market maturity creates solid lending opportunities.

4 – Tell us a little about the Originator and its structure, about Victoria Credit, Virtula, etc. Is it regulated? What is its market position and track record to date?

The loans available on Lendiball are currently generated by Victoria Credit, a Moldovan non-bank financial institution operating since 2012.

Over more than a decade, the company has issued over €10 million in loans and developed stable underwriting and risk-management practices. More importantly, it has operated through different economic cycles, which is a stronger indicator than short-term performance metrics.

Within the structure, Virtula Group acts as the holding and operational backbone behind the lending activity.

Investors purchase receivables linked to these consumer loans, with the structure clearly defined in the Assignment Agreement. Everything we describe is already visible to investors through our published documentation and reports.

5 – Changing the subject a bit… Where does the name Lendiball come from? Why did you choose this name?

The idea behind the name was to create something simple and memorable.

«Lendi» comes from lending, while «ball» reflects the idea of movement and circulation of capital: money moving efficiently between investors and borrowers.

We wanted something dynamic and approachable rather than overly corporate, because community is an important element of the platform.

6 – And… beyond the name… how did the platform come about? What is its main reason and purpose?

Lendiball was created based on our direct experience within the lending industry.

We saw that many investors were interested in alternative lending, but often struggled to understand how different platforms were structured. In many cases, complexity was used instead of clarity, and we wanted to reverse that.

The goal was to build a platform where the structure is simple, the originators are clearly identifiable, and investors can follow how the lending business actually operates.

In essence, Lendiball bridges real lending operations with investors looking for transparency and consistency.

7 – Let’s talk a little about the team behind the platform… what can you tell us about Nicolai? How did you meet and decide to join forces for Lendiball? How do you complement each other on a daily basis?

Nicolai, our CEO, and I come from the same ecosystem and have worked within closely related structures over time.

My background includes being directly involved in building the Moldovan lending operations that are now part of the Lendiball ecosystem, so I’ve seen the business from the inside: underwriting, collections, and risk management.

Nicolai brings strong operational and financial discipline, while I, for the moment, can focus more on business development, partnerships, and investor communication.

This combination works naturally because it is built on real operational experience within the same ecosystem. We understand both how loans are generated and how they should be presented transparently to investors.

8 – What goals have you set for Lendiball in 2026? What updates or new features are on the way?

2026 is focused on strengthening the foundation of the platform.

Our priorities include expanding the investor community, improving platform infrastructure, and increasing transparency through regular reporting and communication.

At the same time, we are working on further developing the lending operations so the platform can scale while maintaining the same level of discipline and risk management.

The focus is on steady, sustainable growth.

9 – What does Ion Creanga’s investment portfolio look like? What assets do you invest in?

My investment approach is based on diversification.

I allocate across different asset classes, including equities, alternative lending, and some exposure to digital assets. Each plays a role within a balanced portfolio.

Alternative lending is particularly interesting because it can generate consistent cash flow and has relatively low correlation with traditional markets.

That said, I always believe investors should do their own research (DYOR) and avoid concentrating too much capital in a single investment.

10 – Do you think the current geopolitical context is a good time to invest in P2P platforms?

Geopolitical uncertainty is always a factor in financial markets, and it reinforces the importance of diversification.

Alternative lending can play a role in a portfolio because returns are primarily driven by borrower repayments rather than market volatility.

However, every investment carries risks, and investors should always consider their personal situation and risk tolerance before making decisions.

11 – Final message for the community (in Spanish)

Para cerrar, me gustaría dar las gracias a Jesus y toda la comunidad de TodoCrowdlending por el interés y las preguntas.

Nuestro objetivo con Lendiball es construir una plataforma basada en la transparencia, la disciplina y una relación a largo plazo con los inversores.

Sabemos que este tipo de inversión requiere confianza, y la única forma de construirla es siendo claros, consistentes y abiertos en la comunicación.

Seguiremos trabajando para mejorar la plataforma y aportar valor real a los inversores que buscan alternativas bien estructuradas.

Muchas gracias.

Thank you so much for your time, Ion!

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