Licensed and regulated companies
Lending company formation — corporate structure only, no creditor licence
Formation of a lending company — corporate structure only, without a creditor licence.
In short
Formation of a lending company — corporate structure only, without a creditor licence. The price is €3,500, excluding VAT. How long it takes: 1–2 weeks. It is ordered and paid on micaconsult.com.
Who it is for
Founders planning a lending business. It is the first step for a lending business; the creditor licence application of the Financial Supervision Authority is a separate service that builds on the company.
Price
| Service | Price | Order |
|---|---|---|
| Lending company formation — corporate structure only, no creditor licence | €3,500 | Order |
All prices are in euros and exclude VAT. VAT is added where it applies under the Estonian Value Added Tax Act.
What the price includes
- Company set-up for a lending business (B2B lending or preparation for a creditor licence)
- Company formation and corporate documents
Not included in the price
- Creditor licence
State and notary fees
Estonian notary fees and state fees are included in the price.
- Register state fee
Requirements
Consumer lending requires a creditor licence, a separate application.
Documents and information we need from you
- Passport and proof of address of the founders and management board
- Description of the lending product (business borrowers, amounts, terms, security)
- Source of the lending capital
Process
- You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
- LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
- Authority: None for the structure; Finantsinspektsioon for the licence.
How long it takes
1–2 weeks
Law and requirements
- Commercial Code; Creditors and Credit Intermediaries Act
General information about our service, not legal advice.
Questions and answers
Lending company formation: what does it cost?
€3,500, excluding VAT. Estonian notary fees and state fees are included in the price.
Lending company formation: who is it for?
Founders planning a lending business. It is the first step for a lending business; the creditor licence application of the Financial Supervision Authority is a separate service that builds on the company.
Lending company formation: how long does it take?
1–2 weeks
What is not included in the price?
Creditor licence.
Who makes the decision?
None for the structure; Finantsinspektsioon for the licence.
Related services and add-ons
- Estonian creditor licence (KAVS) — application preparation and management — from €26,000
- Lending documents and policies — from €1,800
Part of
- Licensed and regulated companies — from €3,500
Order: Lending company formation · €3,500 See it in the price list