Kodumaa Laenud OÜ is an Estonian credit intermediary focused on providing responsible and transparent financing solutions. We operate under local financial regulations and offer services tailored to both individuals and businesses. Our core values are clarity, trust, and efficiency. We don’t overpromise — instead, we focus on building long-term financial partnerships based on realistic solutions. Whether you're an entrepreneur, SME owner, or private client, we take time to understand your needs before offering any product. We believe that financing should support growth, not create stress. That’s why all of our contracts are straightforward, without hidden fees or confusing clauses. As a non-bank institution, we offer flexibility where traditional lenders might say no. Our services are based on personal communication, fast decision-making, and risk-conscious planning. We do not rely on automated systems — every application is reviewed manually by professionals. With a strong local presence, we speak the language of Estonian business. We’re not just here to lend money. We’re here to help you make better financial decisions. Kodumaa Laenud OÜ is here for you — when others are not.
Our Services
Flexible Business Loans
We offer working capital loans, bridge financing, and project-based credit for SMEs. Our loan structures are designed with flexibility and cash flow in mind. From €5,000 to €250,000 — every offer is based on individual assessment and market context. We don’t ask for excessive paperwork, but we always ensure responsibility on both sides. Repayment terms are discussed openly, and adjusted if needed. You receive a full breakdown of costs before signing anything. If your bank said "no" — we might say "yes", but only if it makes sense for your business. We support fast-moving businesses and startups with limited history, but strong potential. We keep the process efficient — most answers arrive within 1–2 business days.
Credit Intermediation for Private Clients
For individuals looking for fair and understandable loan options, we act as your credit partner. We compare offers from trusted Estonian financial institutions and help you choose what fits your profile. Our team explains all risks, terms, and repayment schedules in plain language. There is no pressure to take any offer — we present options, not obligations. We assist with restructuring existing debt when possible. Our service is fully licensed and regulated under Estonian law. We are not a call center — you always speak to a real advisor. Confidentiality and honesty are guaranteed.
Loan Consulting and Credit Planning
Before you apply for financing, it’s important to understand the long-term effects. We provide personal consulting for businesses and individuals regarding credit structure, repayment ability, and funding strategy. Our role is to help you avoid overborrowing or choosing the wrong loan product. We assist in preparing necessary documentation and financial forecasts. If needed, we can also help you improve your creditworthiness step-by-step. This service is particularly useful for growing businesses or private clients after financial hardship. The first consultation is always free of charge. Our goal is financial clarity, not sales.
Why Choose Us?
Local Responsibility
We are a 100% Estonian company with strong roots and local values. We understand the realities of the Estonian economy and legal system. Our decisions are not made abroad — they are made here, based on your context. We respect your time and never overcomplicate the process.
Simple and Transparent
All our agreements are written in plain language. There are no unexpected fees or fine print. We value honesty and clarity above aggressive selling. We want you to understand every number before you sign.
Personal and Professional
Every client is treated with respect and individual attention. We believe financial conversations require discretion and trust. You will never be passed around — your advisor stays with you. We solve problems together, not alone.
Contact
Phone: +37258561817 contact@kodumaalaenudou.com Parnu mnt 33 Tallinn, 10119 Estonia