The world champion in kickboxing, Nicolae Deleu, develops sports in the regions of Moldova, with the support of Microinvest

The founder of Pantera Fitness Club, Nicolae Deleu, is an example of how a dream can turn into a successful business. Starting with a small fitness club and turning it into a successful fitness rooms chain, Nicolae shares his experience on how to use loans correctly, develop business in Moldova, while staying true to his mission of promoting healthy lifestyles in the regions of the country. An important role in his story is played by the cooperation with Microinvest, which became a key factor in the development of his business, demonstrating the importance of support for young entrepreneurs.

Nicolae, can you tell us how your business activity began? How many years ago did you get the idea to open fitness clubs?

My story began with a dream. Since childhood, I have admired entrepreneurs, although my family was far from business. The idea to open Pantera Fitness Club came to me thanks to my passion for kickboxing. I am a world champion in this sport, so I always wanted to do something significant for the sports community. Realizing that there is a need for quality sports conditions in the regions prompted me to open my first gym a few years ago.

What was the first step in realizing this dream? Where did you find the funds to open your first gym?

At the very beginning, I had no experience in business, nor did I have sufficient capital. The first step was based on faith in success and loan funds. I visualized what the gym would look like and step by step started to make that visual into reality, and loans became a necessary tool. I received the necessary resources to start and additional motivation to make my dream a reality. This experience confirmed that loan is actually a very important and useful tool for achieving big goals, especially in business, if you use it responsibly.

After opening your first gym, how did you decide to expand and open new ones?

I think it was not just a wish to expand the business, but a mission to spread a healthy lifestyle and the availability of quality training facilities in different regions of our country. Based on the experience of the first project, I realized what aspects were the most successful and what mistakes should be avoided. Each new fitness club was a project filled with unique ideas and innovations, while maintaining the basic philosophy of our brand – to make fitness accessible and enjoyable for everyone. At the moment, we have already opened three Pantera fitness rooms in cities such as Anenii Noi, Causeni and Hincesti, and this is not the last. We continue to work on expanding our network in order to make a healthy lifestyle available to even more people in the regions.

How do you evaluate the cooperation with Microinvest? How did it influence on the development of your business?

My experience with Microinvest started when I was on the verge of realizing my project and was looking for financial support. Thanks to Microinvest support and trust-based approach to young entrepreneurs, I was able to not only get the necessary funds, but also valuable advice and guidance on business management. Microinvest showed itself not just as a lender, but as a partner interested in my success. This gave me additional confidence in my abilities and motivation to continue developing my project.

What secrets of a successful business can you share with young entrepreneurs? What is the source of energy and motivation?

Really, success in business requires a combination of different factors, and being young adds both special challenges and unique advantages. Above all, passion for your business plays a key role. Youth is often associated with a readiness to take bolder steps, which can be a big advantage or disadvantage. The most important thing is to find the balance. As for energy, for me the source is my family and my lifestyle. Family is not only a source of emotional support for me, but also a constant reminder of what I work so hard for. Sports and a healthy lifestyle also play an important role in helping me keep my physical and mental energy high.

*Microinvest is the only financial organization in Moldova that has the international GOLD certificate in the client protection category. It means a responsible and transparent lending process, fair financing and a constructive approach to any request.

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Client's Name
Client's Surname
Personal Identity Number
Currency
Term
Rate
Amount
Monthly payment
Amount to receive
Purpose
Comments

1. Name and Contact Information of the Creditor
Creditor
Address
Phone number
Email Address
Web page

3. Costs of the credit
Rates related to the credit
Annual Percentage Rate of Charge (APR) This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers	%
In order to obtain the loan in accordance with the agreed terms and conditions, it is mandatory to conclude an insurance contract to guarantee the loan or a contract for another ancillary service.
Related costs
Any other costs deriving from the credit agreement	Fee for services rendered in relation to usage of credit, calculated and paid as follows: of the credit and paid by the Debtor on the date of granting the credit from own sources or is deducted by the Creditor from the amount of the credit The negotiation / prolongation of the credit can take place by mutual agreement of the parties, by signing an additional agreement, the Creditor being entitled to request an increase in the interest rate within the limits provided by the legislation in force. In case of negotiation / prolongation of the loan, the Borrower shall pay to the Creditor, at the date of the negotiation / prolongation a commission in the amount of 2% from the credit balance at the time of negotiation / prolongation.
Conditions under which the costs related to the credit agreement can be changed	The Sides can change the costs related to the credit by written agreement signed by both parties; For the non-constitution of the guarantees within the agreed term, the Creditor is entitled to calculate, and the Client will pay to the Creditor an Interest of delay in the amount of 5% annually, applied to of the daily balance for each day of delay, starting with the date following the term established for the constitution of the guarantee/ s and until the date of the proper execution of the respective obligation.
Obligation to pay for notarial fees / mortgage registration fees / fees for noting the prohibition of pledge in the Transport Register related to the pledge of means of transport (agricultural machinery)	Paid by the Client , except as otherwise provided in the pledge / mortgage agreement.
The cost for the valuation of real estate proposed in pledge	Paid by the Client directly to the Evaluator
Costs in the case of late payments Missing payments could have severe consequences for you (e.g. forced sale) and make obtaining credit more difficult
The repayment of the loan is free of charge in the secondary offices of the Creditor, as well as at the discretion of the Debtor through the representatives authorized to collect loan payments. The list of which and their fees are published on the website of the Creditor (www.microinvest.md/cum-achiti-creditul/). In case the Debtor use payment methods with fee, the Debtor cover all the costs of repayment of the loan and undertake to make the payments in such a way that the Creditor receives the agreed repayment amount and without any deductions by third parties processing the refund payment.
In accordance with and arising from the provisions of art. 15, para. 7), lit. a) from Law no. 202/2013, any payments related to the granted credit (commissions, taxes, penalties, late interest and any other type of payment), except interest, will be applied and collected within the limit of the ceiling of 0.04% of the total value of the credit per credit day multiplied by the number of days of actual use of the credit (hereinafter 'Ceiling'). Therefore, the Lender will be entitled to apply and collect the costs, excluding interest, exactly in the fixed or percentage amount established in the contract if the said ceiling allows, and if the ceiling is lower than the value of at least one cost, excluding interest, then the Lender will be entitled to reduce the fixed/percentage amount and apply and collect any of the applicable costs only within the limit of the ceiling value. When calculating the ceiling, the costs already applied and collected will be taken into account, with the exception of interest, which reduces its value. (Representative example: if the amount of the penalty is 20 MDL per day, and the ceiling value at that time is 16 MDL, then a maximum of 16 MDL will be collected).

4. Other important legal aspects
Right of withdrawal You have the right to withdraw from the credit agreement within a period of 14 calendar days	Yes
Early repayment You have the right to repay the credit early at any time in full or partially	Yes
The creditor is entitled to compensation in the case of early repayment The Debtor may repay the loan in full or in part in advance, notifying the Creditor in writing 3 days in advance, and paying an early repayment fee of:	% from early repaid amount, if the period of time between the date of early repayment and convened maturity exceeds one year; % from early repaid amount.The early repayment can be made only if the Debtor has no outstanding debts on interest or other amounts to be paid in accordance with the Contract. % from early repaid amount, if the period of time between the date of early repayment and convened maturity does not exceed one year.
Database usage The creditor must inform you immediately and without charge of the result of a consultation of a database, if a credit application is rejected on the basis of such a consultation. This does not apply if the provision of such information is prohibited by law or is contrary to objectives of public policy or public security The parties may agree on additional terms and conditions, which will be included in the credit agreement.	Yes
Right to a draft credit agreement You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision does not apply if the creditor, at the time of the request, is unwilling to proceed to the conclusion of the credit agreement with you	Yes
The period of time during which the creditor is bound by the pre-contractual obligations	This offer is valid for 15 calendar days after it is issued.
In this regard, I subsequently declare that: I was provided with the necessary information, the essential characteristics of the above-mentioned credit product were explained (interest rate, number of commissions, credit costs, early repayment conditions, total amount to be paid), as well as the consequences of non-compliance with contractual clauses; the costs included in the total cost of the loan were explained to me, including the costs for ancillary services related to the credit agreement; I was offered the possibility to negotiate individually the contractual clauses in the credit agreement that I intend to sign, I negotiated individually the granting commission, the monthly commission, the amount of penalties and I mention that its clauses do not disadvantage me, being fair in the report mine with the creditor; I was asked by the creditor about the probable importance of the information provided and whether essential circumstances that I expected to be provided were not omitted in order to make an informed and rational decision about concluding the potential credit agreement. the information provided and the corresponding explanations allowed me to assess, including the personal analysis of other offers of third party creditors, whether the proposed credit agreement is tailored to my needs and financial situation; I know the content of the contract and all its conditions have been explained to me, I have understood and accepted them, and the documents and information underlying the conclusion of the contract are complete and accurate; I know the law, the normative acts that will govern the contract, as well as the lack of consumer quality; I have no ambiguities or misunderstandings regarding the terms of the contract; the credit product corresponds to the purpose described above and will be used according to the destination and the economic activity carried out. The assets procured/resulted/constructed/repaired from received loan sources will be registered/transmitted in the social capital of the company where my business activity is carried out and/or will be used jointly by the members or individually however strictly for running my business activity. (Signature)