H.R Laenud OU
At H.R Laenud OÜ, we believe that financial solutions should be simple, transparent, and tailored to your needs. Whether you’re growing a business or managing cash flow, we are here to support your goals with confidence and clarity.
Write us
About Us
H.R Laenud OÜ is an Estonian company specializing in nondepository credit intermediation and related financial services. Founded with the goal of offering flexible and reliable financing options, we have built a strong foundation based on trust, responsibility, and clear communication.
We serve small and medium-sized businesses across Estonia and the EU, providing them with alternative funding solutions outside the traditional banking system. Our operations are fully compliant with Estonian financial regulations and supervised by relevant authorities.
We value transparency, and our clients always know the terms, fees, and expectations. With experience in diverse industries, we understand the practical needs of today’s entrepreneurs.
We prioritize personal communication, straightforward contracts, and quick decision-making. Every client gets an individual approach – no templates, no automated decisions.
Our mission is to make financing accessible, fair, and easy to understand. At H.R Laenud OÜ, you won’t get lost in bureaucracy – you’ll get answers.
We believe in long-term partnerships and measurable results. If you grow, we grow with you.
Our Services
  • Business Credit Solutions
    We offer custom-tailored credit options for small and mid-sized companies. Whether you're looking to finance equipment, bridge cash flow gaps, or fund growth, our credit products are designed to be flexible and transparent.
    Unlike banks, we work fast — decisions can be made within 48 hours. Loan amounts and repayment schedules are adapted to your business rhythm, not the other way around.
    We assess each application manually and offer realistic terms with no hidden fees.
    Our contracts are clear and easy to understand. We speak your language — be it finance, logistics, or retail.
    Trust and consistency are at the core of our credit services. We support both short-term and longer-term financing.

  • Credit Intermediation Services
    As a registered credit intermediary, we connect clients with suitable financing partners based on their goals and financial profile.
    We work only with trusted institutions and match offers that fit your business structure.
    Our advisory process is based on real numbers, not assumptions.
    You save time and avoid unnecessary applications by letting us do the legwork.
    Whether it’s leasing, factoring, or unsecured credit — we help you choose wisely.
    No commission surprises. No pressure. Just honest recommendations.

  • Financial Consulting for Business
    Beyond lending, we provide consulting on financing strategies and capital optimization.
    We help clients understand credit risks, debt structures, and repayment planning.
    If your business is preparing for investment, scaling, or restructuring, our expertise adds value from day one.
    We assist with documentation, credit improvement plans, and bank negotiations.
    Think of us as your external finance partner.
    Our goal is not to sell you a product but to help you make sound decisions for long-term stability.
Why Choose Us?
  • Local Expertise
    We are based in Estonia and fully understand the regulatory and business environment.
    Our services are shaped by local realities — no generic solutions.
    We know the pace, mindset, and goals of Estonian businesses.
    This makes us faster, more relevant, and more accurate in our recommendations.
  • Transparent & Ethical
    No hidden fees, no fine print. All terms are presented clearly, and all costs are explained before you commit.
    Our business is built on trust and compliance — that’s why our clients stay with us.
    We follow all legal standards and take financial ethics seriously.
    You get peace of mind when working with us.
  • Personal Approach
    We treat every client as a partner.
    There are no bots or call centers — only real people who listen and respond.
    Your situation is unique, and our solution will reflect that.
    We build relationships, not just transactions.
Client Testimonials
  • Clear, professional, and very fast. H.R Laenud helped us secure working capital within days.
    – Katrin T.
    Retail Business Owner
  • Unlike a bank, they really took time to understand our needs. Everything was explained clearly.
    – Rasmus K.
    Logistics Entrepreneur
  • Excellent service and communication. The process was smooth, and the team is trustworthy.
    – Linda M.
    SME CFO
  • We were stuck in a cash flow gap, and H.R Laenud gave us the right solution with no stress.
    – Jaanus P.
    Construction Sector
Ready to Talk?
Need business financing or credit guidance?
Send us a message — let’s find the right solution for you.
H.R Laenud OU
+372 560 698 18
contact@hrlaenudou.com
Hariduse tn 6-73 Johvi, 41534 Estonia