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Non-bank microfinance·Case study

B&B Credit

Site with a brand-reflective design plus a fast online application, on Next.js, for a CNPF-licensed microfinance company in Moldova.

Sector
CNPF-licensed microcredit
Year
2024
Duration
1.5 weeks
Main outcome
2 min
average time from landing on the site to a submitted application
B&B Credit · 2024
Brief

What we set out to build

The challenge: apply for a loan in 2 minutes, from anywhere, on a site that earns enough trust for you to hand over your details. We started from the real application flow and the CNPF requirements, drew up a new identity and a step-by-step application, and once the client approved the direction, we built it all on Next.js.

01

The design had to convey the trust of a financial institution, not a flyer.

02

The application had to be completed online in minutes, no trip to the office for clients outside Chișinău.

03

The real cost of credit (APR + monthly payment) had to be visible before signing, not a surprise at the end.

What we built

The pieces that make the system
Work together, not in isolation

01

Brand-reflective design

New visual identity — colours, typography and rhythm that communicate trust, transparency and speed, not financial aggression.

02

Fast online application

Step-by-step form, just an ID card, completed in 2 minutes. OCR validations on the ID and anti-fraud checks in the background.

03

Transparent calculator

Sliders for amount and term, APR and monthly payment computed live. Total cost is visible before any click on "Apply".

04

Status tracking

The client sees in real time where their request stands: received, under review, approved, paid. No 30 calls to operators.

Tech stack
Next.jsReactTypeScriptNode.jsPostgreSQLDedicated VPSNginx
Measured results

Numbers we measured,
not rounded up for the pitch

10 min
Average approval
2 min
Full application
40k lei
Max loan amount
0 lei
Hidden fees
How we worked

From the goal,
to delivery

Step 01

Goal & discussion

We talked through the real application flow, the CNPF requirements and what blocks clients today with B&B Credit.

Step 02

Direction set

We proposed a new visual identity, a transparent calculator and a step-by-step application. We agreed it together.

Step 03

Approval

The design and application flow were signed off by the client before development.

Step 04

Delivery

We built the live calculator, ID OCR and status tracking on Next.js, launched on a dedicated VPS, with 30-day monitoring.

Next step

Let's talk about your business.

30–60 minutes. Free. No slides, no hard sell. You walk away with a clear view of what makes sense for your business and what the next step is.