The MFI "SMART CREDIT" LLC (Limited Liability Company) takes beginning on May 05, 2010 and was founded by five founders. On November 22, 2011 the shared capital was increased to 960 565 lei. Currently, the organization operates in the city and district of Ungheni lending mainly for the repair of buildings, consumer, to purchase computers, household equipment, commercial and agribusiness.

The MFI "SMART CREDIT" LLC is seen in the next 3 years as a modern microfinance institution, flexible to clients' wishes, equipped with technological and informational system required by withstand competition, given that Moldova's prospects of joining the European Union (EU), Ungheni is a major milestone in the current EU borders.