BB Finance OU is an Estonian fintech company offering short-term consumer loans under the brands Raha24 and HyBa. Founded in 2006, it targets private individuals in Estonia, focusing on user experience and responsible lending practices. The company uses technology to streamline processes, aiming to be the preferred consumer financing partner. Its unique selling proposition is efficient, tech-driven lending solutions with a strong emphasis on customer satisfaction and compliance with Estonian financial regulations. BB Finance operates under the supervision of the Estonian Financial Supervision and Resolution Authority[1][3][4].