Finance and Banking

From financial law to capital raising, regulatory permits and financial disputes – RASK provides comprehensive and strategic legal advice across all areas of finance and banking.

Field information

The experienced finance and banking team at RASK Attorneys-at-Law provides comprehensive and strategic legal advice across all areas of financial law – from capital raising and regulatory permits to financial instruments and dispute resolution. Our experts advise clients on both traditional financial instruments and innovative funding solutions, including the structuring of bank loans, real estate loans, syndicated loans, subordinated loans and convertible instruments, as well as planning and executing bond issuances, including Tier 1 and Tier 2 issuances for banks.


Capital raising lies at the core of RASK’s finance and banking practice, particularly in fast-growing sectors such as start-ups and technology. Our legal support covers the structuring of loan agreement terms, the creation of security arrangements (including pledges, mortgages, sureties and guarantees) and the drafting of legal documentation related to financial instruments.


RASK represents clients in dealings with key financial market participants, including M&A advisors, venture capital funds (VC), private equity funds (PE), banks, crowdfunding platforms, and private investors. We also assist clients in interactions with regulators and in applying for operating licenses – whether for credit providers, payment institutions, credit institutions, or e-money institutions.


Our team actively contributes to the development of Estonia’s financial regulatory environment through participation in FinanceEstonia’s capital markets and fintech working groups, as well as in legislative processes concerning the activities of credit providers and intermediaries.


A key strength of RASK lies in resolving financial disputes. We provide consistent and expert support both in out-of-court proceedings and in litigation, safeguarding our clients’ interests throughout the entire financing process.


Head of Practices:



Co-Head of Practice – Timo Kullerkupp

Timo Kullerkupp is a recognised expert in financial law whose strong advisory competence and in-depth understanding of the regulatory framework make him a trusted partner for both domestic and international clients. He advises investment firms, credit institutions and other regulated financial sector participants on a daily basis.

Timo supports clients throughout the capital raising process, including negotiating the structure of syndicated loans, preparing collateral packages and designing security agent solutions. He also assists with the registration of investment funds and the drafting and negotiation of contracts and documents necessary for fund operations.

As a recognised expert in the field, Timo also contributes to the work of the Estonian Bar Association’s Financial Law Committee.


Co-Head of Practice – Karl Erik Esko

Karl Erik Esko is an expert in financial law and a trusted partner for entrepreneurs in developing financing structures and raising capital through funds, private investors, and crowdfunding platforms.

He provides strategic legal advice throughout the entire financing process – from designing the investment structure to drafting the necessary legal documentation.

Karl Erik has extensive experience in working with financial supervisory authorities and other regulators, advising clients on obtaining various financial sector licenses, including authorisations for credit providers and mortgage credit providers.

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