Your guide to mindful finance

lending intermediation and fractional CFO services

Bank lending & Private capital intermediation

  • Bank lending & leasing
  • Private Equity & Venture Capital

We assist your company in obtaining optimal financing from banks, leasing or private capital firms. We represent your business in negotiations with the financial experts.

Fractional CFO & other C-suite services

  • Fractional Chief Financial Officer ( CFO)
  • Management Consultancy

Access on-demand strategic financial planning and insightful analysis to support your growth and financial stability. All at a fraction of the cost of a full-time hire.

Financial expertise, tailored to your company's needs.

CAPITAL DECISIONS - a project founded by

Florin Pop, CFA

Experienced Banker | Dedicated to Financial Excellence

I am a seasoned banker with over 20 years of experience and a deep understanding of the financial industry. My expertise spans deal origination, commercial & financial due diligence, stakeholder management, credit approval, budgeting and reporting.

Capital markets professional, skilled in financial asset management, analysis of investment opportunities, equity valuation, sector and macroeconomic analysis. I bring together the right technology & resources to meet each company’s specific business goals keeping front and center the impact on the P&L.

My versatility shines in complex projects that beyond technical expertise demand effective stakeholder management and clear communication.

Working with Florin was a true pleasure. I was consistently impressed by his ability to remain calm and composed under pressure. Florin's strong problem-solving skills and ability to think strategically helped navigate challenging situations effectively.
Razvan Albu, European Bank for Reconstruction and Development, Principal banker
I had the pleasure of working close with Florin for over 7 years. What really stood out for me are :his ability to view even the most complex situations in a very simple and easy to understand manner, his positive attitude and his drive and determination. He is that kind of person that you can reach out to in the most difficult moments and get reliable and balanced advice.
Dragos Ciobanu, Citi, SVP, EMEA Software business lead
I met Florin at Banca Transilvania while he was servicing large corporate clients. I was impressed by his professionalism and since then we constantly keep close with engaging conversations on many economic and sustainability topics. He has an open mind, quickly grasps new concepts and is able to shift the conversation from macro to micro perspectives. I highly recommend Florin as a top professional and I would love to have the chance to work with him again.
Petronela Despoiu, Banca Transilvania, Sustainable Finance Coordinator
Besides his extensive experience and knowledge in lending to comercial companies, I appreciate his interest in continous learning. On top, any conversation with Florin it’s a real pleasure; he’s elegant sense of humor and high emotional inteligence would turn even difficult discussions into productive debates.
Alina Golat, Citibank, SVP, Risk head
Florin is a fascinating person and work partner. Working alongside him, I can attest to his prowess in connecting people and fostering collaborative environments. I deeply appreciate his unwavering commitment to excellence, which inspires those around him to strive for their best.
Gheorghe Cojocaru, CFA – Citibank, Investment banking
Florin is both detail-oriented and creative, He is an exceptional communicator able to bring people together and build strong relationships. I had the pleasure of working with Florin at ING Bank in Bucharest, for four years. He always produced high-quality work inspiring me and the team and making a lasting impression on our clients.
Andreea Grama, BCR Erste bank, Product Owner / Digital Corporate Lending
What came across every time when working with Florin, was his strong work ethic and reliability. One other quality that I particularly liked are his exceptional teamwork skills. He was always willing to collaborate and support other team members, who benefited a lot from working with him. During his time with ING Bank, Florin consistently showed strong mentoring skills. He provided guidance and support, promoting a culture of learning and growth
Brindusa Dumbravieanu, ING Bank, Bucharest Area Manager
I highly recommend Florin for any role requiring a blend of soft skills, credit knowledge, and sales acumen. With exceptional speaking and presentation abilities, Florin effectively communicates complex concepts to diverse audiences and he is truly able to lead various complex projects.
Adrian Berbinschi, Citibank, SVP, Commercial Lending Management Head

Capital intermediation

To navigate the financial landscape can be challenging.
Partner with us to simplify this process.

We help companies gain clarity, access better options, and reduce costs in financing daily operations, investments, or when planning to raise private capital.

  • Conditii mai bune pentru credite (noi, existente sau refinantari)
  • Sprijin in negociere pret, garantii, conditii financiare sau proces restructurare
  • Gestionare completa a relatiei de credit (prelungiri anuale, evitare penalitati)
  • Negociere cursuri schimb valutar, comisioane operatiuni curente.
  • Structurare instrumente de comert: Scrisori de garantie, Acreditive.
  • Management deschidere conturi curente, carduri, training online banking

CEO and BOARD support

Don’t hire a CFO.
Subscribe to 20+ years of expertise.

A part-time dedicated CFO that will handle financial management, so you can focus on growing your business.