Moshe Zuk is a father of three, a husband, and someone who has spent his life proving that ambition, resilience, and vision can create opportunities where most people only see risks. His story begins in the marble industry, transitions into finance, and continues today as Chairman of the Zuk Group, which operates internationally with businesses in construction and finance.
When you meet Moshe, the first thing you feel is his calm confidence, the kind of presence that comes only from years of building, failing, learning, and starting again.
As he puts it himself:
“If you never try and take risks, you’ll never know if you’ll succeed.”
Business in His Blood
Moshe’s business journey didn’t wait until adulthood. Even during his army service, while most young soldiers were focused only on military duties, he was already running his own business. With his father’s background in the marble industry, Moshe had access to suppliers and contacts, but he quickly carved his own path.
He began as an agent, buying marble for staircases from suppliers and selling in Israel. By the time he finished the army, he was already financially independent — and bold enough to buy out one of his father’s partners. At just 21, he not only owned 50% of the family business but also purchased his first house.
It was a time of booming construction in Israel, and Moshe threw himself into the opportunity. For ten years, he worked alongside his father until finally buying out his share. At that point, he became the sole owner, fully responsible for the direction of the group. Looking back, Moshe reflects:
“The advice I’d give myself back then is that I should have insisted on doing what I wanted and not wasted ten years in a partnership. But in the end, it also helped me. It was a sort of stepping stone.”
Independence and Trust
Independence is one of the central topics in the story by Moshe. His father had a lot of trust in him and by the time he was in his early 20s, he was free to manage the company almost without supervision. As his father became incharge of logistics and supply, Moshe became incharge of marketing, finance, and overall management.
By that age, he was already sitting with banks, negotiating, and handling accounts. It wasn’t just a job, it was his life.
He says: “There was never any doubt in my mind. I always knew I’d go down this path. It didn’t come as a surprise.”
This independence shaped not only his career but also how he raises his own children. Moshe believes in giving them the same freedom to dream:
“The wisdom is not in the destination but in dreaming.” His philosophy is that each of his kids should find their own way, not follow a path forced upon them.
Finance
While his marble and stone business was thriving, Moshe’s transition into finance was, as he describes it, a combination of chance and opportunity. It began with something simple: offering suppliers early payments in exchange for discounts. From there, a friend introduced him to opportunities in Georgia.
At that time, Georgia had no strong banking system, and people needed financing for real estate and other purposes. Moshe and his partners decided to take a chance. They began lending money, small at first, risky, and uncertain. One of the first borrowers even went to a casino with the loan, leaving Moshe wondering if it was all a mistake. But to his surprise, the loan was repaid.
What began as a test quickly grew. The market was open, demand was high, and returns were strong. From there, Moshe expanded to Romania and the United States, building a financial group that today is one of the cornerstones of his business empire.
Today, these activities operate under Zuk Finance, which encompasses Euro Credit and Claret. These companies focus on providing credit solutions, mainly in real estate and vehicle financing. Each country has a local CEO and management team, a model that Moshe insists on: “Don’t think Israelis are the smartest people in the world. Take local people, because they know their mentality. Work with Israelis you trust, but always combine them with local teams.”
Philosophy on Risk and Business
What makes Moshe Zuk stand out is not only his success but his philosophy on risk. He views risk as essential, but never reckless. For him, risk is something you study, weigh, and then embrace if the potential outweighs the danger.
He explains it simply:
“If 51% of your businesses succeed, you’re doing great.”
That mindset gave him the courage to sell his assets in Israel and invest fully abroad when he saw the potential. It’s the same mindset that guides his decision-making today.
But Moshe also knows the pain of mistakes. “Excel covers everything, but the most important thing in business is the people leading it,” he says. In his experience, even the best business plans collapse if you choose the wrong partner. Trust and character matter more than numbers.
Lessons in Leadership
For Moshe Zuk, leadership is about people. He believes in choosing partners carefully, relying on trust, and giving space for passion to thrive. He recalls mistakes made when trusting the wrong individuals, and the heavy costs that followed. But he never lost sight of one truth: success is built on relationships.
When asked about the future, Moshe points to the younger generation of leaders in his businesses.
What excites him most is not only their experience but their passion: “He’s a dreamer, but he also has experience. What stands out the most is that he has a passion to succeed.”
Conclusion
Moshe Zuk is a story of persistence, courage and vision. His experience as a marble staircase stepper to global finance shows that business is not simply about numbers, but people, trust and willing to take chances.
He has constructed his life around becoming self-dependent and self-dependent to his children and shares a philosophy that every business person would aspire to: The wisdom is not in the destination but in dreaming.
To people who wish to do business in foreign countries, his tips can be summed up as follows: understand the culture, do business with the locals and never undervalue the power of trust. For young people starting their journey, his story demonstrates that responsibility, opportunity, can come early and that with the proper attitude it can mold a whole future.
