- Open hoovi.ee or app.hoovi.ee/laenutaotlus — select product (ärilaen, krediidiliin, hüpoteek, üürifaktooring, liising, autolaen).
- Fill 1-minute form — registry code, amount, term, contact.
- Email 12-month bank statements (company + board member) as ASICE to Hoovi (see hoovi.ee guide).
- Account manager calls — discuss product fit (unsecured vs secured vs factoring).
- Receive written offer with rate and KKM.
- Sign digitally (Smart-ID, Mobile-ID, ID-card).
- Funds to company IBAN — typically ~30 minutes after signing (ärilaen marketing).
Documents: registry extract; ID; bank statements; annual report if available; for mortgage — property and lease docs.
