| Criterion | Hoovi | Bank (Coop/LHV) | Furo broker |
|---|---|---|---|
| Client | SME / FIE | SME + corporate | SME (multi-lender) |
| Unsecured max | ~€30,000 | Higher for strong credits | Via partners |
| Credit line | €10k–50k | Overdraft | Varies |
| Speed | Hours | Weeks | 24h (Furo claim) |
| Personal manager | Yes | RM / branch | Platform |
| Finantsinspektsioon KAVS | No (FFA000412) | Yes (banks) | Broker — varies |
Verdict: Hoovi for fast SME capital and invoice-style lines; banks for lowest rate on strong credits.