1 Aprill OÜ · Registry code 17084277 · Pärnu, EstoniaCredit to businesses only — no consumer lending
1A 1 Aprill OÜBusiness Credit · Pärnu
Nondepository credit intermediation · Pärnu

Credit to Estonian businesses,
concluded in writing.

1 Aprill OÜ extends credit to companies and business operators from its registered office in Pärnu. Every facility is governed by a written credit agreement stating the interest rate, all fees, the repayment schedule and the total amount repayable — agreed before signature.

Credit facilitiesCompany information
Legal name
1 Aprill OÜ
Registry code
17084277
Registered
04.10.2024
Activity
EMTAK 64991 — financial services
Seat
Riia mnt 50-6, Pärnu 80013
Source: Estonian e-Business Register — verify at ariregister.rik.ee before contracting
SECTION 01

The company

1 Aprill OÜ is an Estonian private limited company engaged in nondepository credit intermediation: extending credit to businesses from its own funds, outside the deposit-taking banking system.

The company was entered in the Commercial Register on 4 October 2024 with its registered office at Riia mnt 50, Pärnu. Its recorded field of activity is the provision of financial services (EMTAK 64991). Lending is directed exclusively at companies and business operators; the company does not serve private individuals.

As a non-bank lender, 1 Aprill OÜ takes no deposits, operates no accounts and offers no investment products. Its business name is its registered trade name and carries no further meaning: obligations under the company's credit agreements are as binding on every date of the year as the law provides.

SECTION 02

Credit facilities

F-01

Working capital credit

A fixed sum over a fixed term to finance the interval between paying suppliers and receiving payment.

F-02

Equipment finance

Credit for machinery, vehicles and production assets, with terms aligned to the asset's working life.

F-03

Inventory and orders

Financing of stock or confirmed orders exceeding the client's own reserves, repaid upon settlement.

F-04

Receivables finance

Advances against invoices issued to creditworthy buyers where long payment terms constrain liquidity.

F-05

Expansion finance

Credit for premises, fit-out and capacity expenditure incurred ahead of the revenue it will generate.

F-06

Refinancing

Consolidation of existing obligations into one facility, offered only where the documented total cost decreases.

Not offered: consumer credit, deposits or accounts, investment or brokerage services, securities, fund management, or virtual-currency services. The company holds no Finantsinspektsioon authorisation for such activities and does not provide them.
SECTION 03

Lending principles

Contract before funds

No facility is advanced except under a signed credit agreement stating the interest rate, all fees, the repayment schedule and the total amount repayable.

The total governs

Offers are presented by reference to the total repayable rather than the instalment; competing offers should be compared on that figure.

Early repayment fixed

The cost and effect of repaying early are stated in the agreement before signature, not negotiated afterwards.

No advance charges

No application, reservation or disbursement fee is payable before a credit agreement is concluded.

Individual assessment

Applications are assessed against registry data and financial statements. Approval is not guaranteed and is never advertised as guaranteed.

Bank credit acknowledged

Where comparable bank financing is available on better terms, the company says so. Non-bank credit is priced for cases banks decline.

SECTION 04

Verification

ariregister.rik.ee

e-Business Register

Confirm the legal name, registry code 17084277, seat and signatories. Documents in the company's name must match the register.

fi.ee

Finantsinspektsioon

Deposit-taking, consumer credit, investment and crypto-asset services require authorisation. This company provides none of them; providers who do must appear in those registers.

contract

Written terms only

All terms are contained in the signed credit agreement. Statements not recorded there form no part of the company's obligations.

account

Company account only

Payments are made solely between the business accounts named in the agreement — never to private accounts, cards or intermediaries.

Fraud notice: the company does not solicit deposits, investments or advance fees from anyone. Any such offer made in its name is fraudulent and should be reported to the authorities.
SECTION 05

Procedure

Step 1

Enquiry

The applicant states the purpose of the facility, the source of repayment and the required timing.

Step 2

Assessment

Registry data and recent financial statements are reviewed; further documents may be requested.

Step 3

Written offer

A draft credit agreement is issued stating the rate, fees, schedule, early-repayment terms and total repayable.

Step 4

Disbursement

Upon signature, funds are transferred to the client's business account named in the agreement.

SECTION 06

Frequently asked

Is 1 Aprill OÜ a bank?

No. The company is a non-bank lender: it takes no deposits, operates no accounts and is not a credit institution. Bank credit is ordinarily cheaper, and applicants able to obtain it on workable terms are advised to take it.

Does the company lend to private individuals?

No. Consumer credit in Estonia requires authorisation by Finantsinspektsioon, which the company does not hold. Credit is extended solely to companies and business operators for business purposes.

What does the company's name mean?

"1 Aprill" is the company's registered business name and nothing more. Estonian law permits any distinguishable trade name; the name has no bearing on the company's obligations, which arise from signed credit agreements and are enforceable like any other.

What interest rates apply?

Rates depend on the amount, term, purpose and security of each facility and are not published. The applicable rate, all fees and the total amount repayable are stated in the written offer before any commitment.

Does the company offer investments or accept funds?

No. It issues no securities, pays no returns and accepts no funds from the public. Any solicitation of investment in the company's name should be treated as fraud and reported.

How can the company be verified?

Through the Estonian e-Business Register under registry code 17084277. Agreements must name the company and its business account exactly as registered.

SECTION 07

Contact

Contact details
AddressRiia mnt 50-6, 80013 Pärnu, Estonia
Registry17084277 · ariregister.rik.ee