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.
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.
A fixed sum over a fixed term to finance the interval between paying suppliers and receiving payment.
Credit for machinery, vehicles and production assets, with terms aligned to the asset's working life.
Financing of stock or confirmed orders exceeding the client's own reserves, repaid upon settlement.
Advances against invoices issued to creditworthy buyers where long payment terms constrain liquidity.
Credit for premises, 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; competing offers should be compared on that figure.
The cost and effect of repaying early are stated in the agreement before signature, not negotiated afterwards.
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 on better terms, the company says so. Non-bank credit is priced for cases banks decline.
Confirm the legal name, registry code 17084277, seat and signatories. Documents in the company's name must match the register.
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.
All terms are contained in the signed credit agreement. Statements not recorded there form no part of the company's obligations.
Payments are made solely between the business accounts named in the agreement — never to private accounts, cards or intermediaries.
The applicant states the purpose of the facility, the source of repayment and the required timing.
Registry data and recent financial statements are reviewed; further documents may be requested.
A draft credit agreement is issued stating the 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.
"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.
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 17084277. Agreements must name the company and its business account exactly as registered.