Gatelink
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Gatelink provides business financing to corporate clients, including regulated lending companies, and structures financing transactions in a way that can also be suitable for placement via crowdfunding platforms, where investors may participate in specific projects.

Gatelink works with multiple counterparties. Creditstar Finland is one of Gatelink’s key partners, and also cooperates with other companies depending on the project and client needs.

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Gatelink holds a financial institution license issued by the Estonian Financial Intelligence Unit (FIU).
About Gatelink

Gatelink International OÜ is an Estonia-registered financial institution focused on corporate financing. We understand a client’s funding need, design a workable structure, and deliver financing on terms that support sustainable growth.We combine a professional credit approach with practical execution, so clients get funding that fits their business model, and investors receive opportunities presented through a clear, standardised structure.

WHAT WE DO

Gatelink’s activity focuses on financing solutions for companies. This can include:

  • arranging financing structures that are linked to portfolios or cash-flow generating assets (where relevant to the client’s business model)

  • evaluating financing needs and proposing a structure that fits the client’s operational profile and risk parameters

  • preparing projects for potential distribution through crowdfunding as an additional funding channel

The specific structure, documentation, and terms are defined for each project individually.

Our Core Operations
Include the Following Services

Acquiring and structuring loan receivables originated by trusted financial institutions, with individual project sizes typically ranging from €500,000 to €5 million and terms of 1 to 5 years.

Investing in Estonian financial institutions through over-the-counter (OTC) instruments such as bonds and convertible loans. Investment decisions are based on thorough credit risk and financial stability analysis.

Investing in equity and other financial instruments that support the capital structure and strategic growth of SMEs.

Money brokerage services, including advising SME clients and facilitating financing transactions with partner institutions and banks as an additional service.

Benefits
BENEFITS

Crowdfunding is used by Gatelink as one possible channel to support financing solutions. For selected projects, Gatelink may structure a transaction for listing on a crowdfunding platform. In such cases, Gatelink typically:

  1. Prepares a project for listing with standardised information and documentation
  2. Ensures the project terms and structure are presented clearly for investors on the platform
  3. Coordinates the project setup with the platform and relevant counterparties

Crowdfunding is not the only method used by Gatelink, and not every client solution requires a crowdfunding component.

Our role
Our Role
Business loan solutions

Gatelink provides business loan solutions for companies with different financing needs. We work with corporate clients across sectors, including regulated financial companies, and structure loans to match the client’s operating model and cash-flow profile.

Depending on the case, we can:

  • Arrange working capital and liquidity financing

  • Support growth and expansion plans

  • Provide portfolio financing for lending and receivables-based businesses

  • Assist with refinancing and funding optimisation

  • Structure transactions so they can be financed through different channels, including crowdfunding, where suitable

Each solution is tailored to the specific project and documented under the applicable terms.

The Gatelink advantage
The Gatelink Advantage
Why our approach benefits clients and investors

Gatelink’s value is in how we structure and manage business loan solutions from credit assessment to documentation and ongoing project management. Our goal is to make financing clearer for clients and easier to assess for investors.

  1. Clear structure and execution

    We use defined processes for structuring transactions and documenting terms. This supports consistency across projects and helps stakeholders understand how each financing solution is set up.

  2. Risk-focused decision making

    Financing decisions are based on credit and financial analysis, including the borrower’s stability, asset quality (where applicable), and transaction structure.

  3. Transparent information

    We aim to present project information in a clear and comparable format, so investors can review opportunities using consistent inputs and documentation.

  4. Regulatory-aligned processes

    Where projects are placed through crowdfunding or other regulated channels, our processes are designed to support relevant governance and compliance expectations, including EU crowdfunding standards where applicable.

Our commitment to you
Our Commitment to You

When you work with Gatelink, you receive a business loan solution built around your company’s needs and operating model. We structure financing with clear terms and documentation, so the funding is straightforward to implement and manage.

Depending on the project, Gatelink can also support access to additional funding channels, including crowdfunding, to help clients achieve the right financing outcome. Our focus is on practical execution, transparent terms, and long-term, sustainable financing structures.

Example of SOLUTION with our KEY PARTNER CREDITSTAR
End borrowers
End Borrowers
Creditstar
Creditstar
Gatelink
Gatelink
Lendermarket
Lendermarket
Investor
Investor
The end borrowers make their scheduled loan repayments (principal + interest) to Creditstar.
Creditstar makes its scheduled repayments on the business loan it received from Gatelink.
Gatelink makes its scheduled repayments (your principal + interest) to you, the Investor. This payment is facilitated through the Lendermarket platform, which credits the money to your investor account.
The repayments by the Project Owners to investors are unconditional and not tracking any repayment made by any lending entities. This means that Gatelink is legally obligated to pay you according to your loan schedule, regardless of whether a specific end-borrower has paid Creditstar on time.
Currently, European investors can invest in loan receivables that GATELINK has purchased from Creditstar Finland's consumer loan portfolio. These investments benefit from a buyback guarantee provided by Creditstar, under which Creditstar commits to repurchase any loan that becomes more than 60 days overdue and pay all accrued interest.
Contacts
Gatelink International OÜ
Reg no. 16807503 Maakri 44, Estonia, Tallinn. 
Info@gatelink.eu
Board members
Siim Sein
Siim Sein
siim@gatelink.eu
Viljar Kähari
Viljar Kähari
viljar@gatelink.eu