| Product | Summary |
|---|---|
| Ärilaen | Unsecured €1,000–30,000, 3–60 months, from 1.25%/month |
| Arvelduskrediit | Revolving line €10,000–50,000, interest from 1%/month on used amount |
| Üüritulu faktooring | Advance against rental income; from 5% of rent (per marketing) |
| Hüpoteeklaen | Secured by property |
| Autolaen / liising | Vehicle finance for business |
Advantages: named manager end-to-end; offer within ~1 hour on business days (ärilaen page); payout ~30 min after signing; free early repayment (no notice period per site); works with starting companies and FIEs.
Disadvantages: rates above prime bank clients; KKM individual; smaller unsecured cap than large banks; personal guarantees common.
Rating: 4.2 / 5 for SME accessibility — minus for limited public rate tables.