EMTAK 6492 · OTHER LENDING

Business lending in Estonia, agreed in writing.

United Investments OÜ is a private limited company registered in Tallinn whose principal activity is lending. The company grants loans to Estonian companies from its own funds, under written agreements that set out every term before signature.

We do not lend to private individuals, we do not take deposits, and we do not offer investment products.

Business nameUnited Investments OÜ Registry code14304422 Registered01.08.2017 Legal formPrivate limited company Principal activityEMTAK 6492 — other lending Share capital€2,500
01 — LENDING

Three types of business loan

For companies registered in Estonia. Each request is assessed individually on financial documents and the source of repayment.

Investment loans

Medium-term loans for equipment, vehicles, premises or other investments that generate the income to repay them.

Repayment
Monthly schedule
Security
Usually the asset financed

Working-capital loans

Short-term loans to cover the period between paying suppliers and collecting from customers.

Repayment
From collected receivables
Security
As agreed

Bridge loans

Interim financing until a confirmed event: the sale of an asset, a bank loan or the payment of a contract.

Repayment
Single payment at exit
Security
Required
02 — SCHEDULES

Annuity or equal principal: compare the cost

Two common repayment structures for business loans. Enter any figures to see how the choice changes monthly payments and total interest.

First payment—
Last payment—
Total interest—
PrincipalInterest

Illustration only, using the rate you enter. It is not an offer. The rate for any loan is set individually and stated in the written agreement.

03 — RULES

What we do, and what we never do

The limits below follow from Estonian law and from the company's own standards.

01

Companies only

Consumer credit in Estonia requires an activity licence from Finantsinspektsioon. United Investments OÜ does not lend to private individuals.

02

Own funds only

Loans are made from the company's own funds. No deposits or other repayable funds are accepted from the public.

03

"Investments" is a name

The word is part of the registered business name. The company sells no investment products and manages no money for others.

04

Know your customer

Borrowers and their beneficial owners are identified, and the purpose and origin of funds checked, under the Money Laundering and Terrorist Financing Prevention Act.

05

No advance fees

Nothing is payable before an agreement is signed. Every cost is stated in the agreement itself.

06

Company accounts only

Funds move only between bank accounts held in the names of the contracting companies, never in cash or to private accounts.

How to verify us

  1. Search registry code 14304422 in the Commercial Register at ariregister.rik.ee.
  2. Check that the business name, address and representatives match the person you are dealing with.
  3. Make sure any offer is a written agreement naming United Investments OÜ and its registry code.
  4. Check Finantsinspektsioon's warnings list at fi.ee for unauthorised providers.

Fraud notice

Fraudsters use the names of registered companies to offer loans or "investment returns" and to collect advance fees. United Investments OÜ never asks for payment before a signed agreement, never offers investments, and never asks for passwords, card numbers or Smart-ID / Mobile-ID codes. If someone does this in our name, end the contact and report it to the Police and Border Guard Board.

04 — PROCESS

From first contact to disbursement

Enquiry

Describe the company, the purpose, the amount and the proposed security by e-mail or telephone.

Documents

Commercial Register data, the latest annual report, current financial statements, beneficial-owner details and security documents.

Assessment

Analysis of repayment capacity and security. You receive a written proposal or a reasoned refusal.

Agreement

The loan agreement and any security documents are signed; pledges are registered where required.

Disbursement

Funds are paid to the borrower's company bank account, and repayments follow the agreed schedule.

05 — QUESTIONS

Frequently asked

Can a private person borrow from you?

No. The company lends only to legal persons. Consumer credit requires a licence from Finantsinspektsioon, which the company does not hold.

Can I invest or deposit money with the company?

No. The company does not accept funds from the public in any form. Any offer of an investment in its name is fraudulent.

How is the interest rate set?

Individually, according to the term, the security and the borrower's financial position. It is stated in the written agreement before signature.

Can a loan be repaid early?

Yes. The conditions for early repayment are written into the agreement.

Are you connected to other companies called "United Investments"?

No. This website concerns only United Investments OÜ, registry code 14304422. Companies with similar names in Estonia or elsewhere are separate entities.

06 — CONTACT

Get in touch

Meetings take place by prior appointment.

Registered addressPae tn 9-57, 11414 Tallinn, Estonia
E-mailreply@unitedinvestmentsou.com
Telephone+372 5604 8433
Registry code14304422