Kadaja IN OÜ extends credit to Estonian companies and business operators. The company is registered at the Kadaja farmstead in Imukvere village and works with clients across Estonia by correspondence and on site. Every facility is concluded in a written credit agreement stating the rate, all fees, the schedule and the total amount repayable.
A registered Estonian lender with a rural seat and a national clientele.
Kadaja IN OÜ is an Estonian private limited company engaged in nondepository credit intermediation — the extension of credit to businesses from the company's own funds, outside the deposit-taking banking system.
The company was entered in the Commercial Register in October 2020. Its registered office is the Kadaja farmstead in Imukvere village, Jõgeva municipality — the property from which the company takes its name. Client matters are handled in writing and by telephone, with meetings arranged at the client's place of business where required.
Lending is directed exclusively at companies and business operators. The company does not serve private individuals, does not take deposits, does not operate accounts and offers no investment products.
Each facility serves a defined purpose and is repaid from an identified source.
A fixed sum over a fixed term to cover the interval between paying suppliers and receiving payment.
Credit for production assets, vehicles and agricultural machinery, with terms aligned to the asset's working life.
Financing of stock, seasonal inputs and confirmed orders exceeding the client's own reserves.
Advances against invoices issued to creditworthy buyers where long payment terms constrain liquidity.
Credit for buildings, fit-out and capacity expenditure incurred ahead of the revenue it will generate.
Consolidation of existing obligations into one facility, offered only where the documented total cost decreases.
No facility is advanced except under a signed credit agreement stating the interest rate, all fees, the repayment schedule and the total amount repayable.
Offers are presented by reference to the total repayable rather than the instalment, and clients are advised to compare competing offers on that figure.
The cost and effect of early repayment are stated in the agreement before signature.
No application, reservation or disbursement fee is payable before a credit agreement is concluded.
Applications are assessed against registry data and financial statements. Approval is not guaranteed and is never advertised as guaranteed.
Where comparable bank financing is available to the client on better terms, the company says so. Non-bank credit is priced for cases banks decline.
Check the registers, not the website — for this company and for every counterparty.
Confirm the legal name, registry code 16073372, seat and signatories. Documents in the company's name must match the register.
Deposit-taking, consumer credit, investment and crypto-asset services require authorisation. Kadaja IN OÜ provides none of them; providers who do must appear in those registers.
Payments are made solely between the business accounts named in the credit agreement — never to private accounts, cards or intermediaries.
Purpose of the facility, source of repayment and required timing, in writing or by telephone.
Review of registry data and recent financial statements; further documents on request.
Draft agreement stating rate, fees, schedule, early-repayment terms and total repayable.
Upon signature, funds are transferred to the client's business account named in the agreement.
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.
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.
The company is named after and seated at the Kadaja property in Imukvere village, Jõgeva municipality, as recorded in the Commercial Register. Estonian law attaches no significance to whether a registered office is urban or rural; counterparties should verify the seat against the register rather than judge by address.
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.
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.
Through the Estonian e-Business Register under registry code 16073372. Agreements must name the company and its business account exactly as registered.
Enquiries in writing or by telephone, business hours (EET).