Ärilaen: fixed monthly invoice — pay by bank transfer with reference. Hoovi sends reminders before due date.
Arvelduskrediit: repay drawn amounts on flexible schedule; interest only on used portion; limit renews as principal is repaid.
Early repayment: partial or full — no fee or notice period on ärilaen (per hoovi.ee FAQ); request saldoteatis from manager.
Late payment: penalty interest, collection, Creditinfo for company/guarantors; secured products risk collateral enforcement.
