Interest rates these days are very low (ECB one is negative), so there is no reason a business will need to pay 4-5% to random people when it can raise money from banks\bonds at a cheaper rate. Unless it's a scam or the business is shady and unbankable.
You're telling me that the chairman of mgmt board of Tallinn Airport can't raise money from any Estonian banks at a rate lower than 4%? Unbelievable. This bank will probably go the way of Diament bank- one day you will login and see a page from the authorities.
"We are not covered by the same Deposit Guarantee Scheme as the banks but taking into notice the above strict rules how we are obliged to manage our funds we consider the risk level being low with our deposit accounts. Our balance, all loans granted to our clients and own capital, works as the security for our deposit clients" - Intus Frequently asked questions
LOL