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ESTO

Last Updated: 07.05.2025. Date when the basic information was updated
ESTO
Loans Originated Total volume of loans issued by this company to borrowers since its founding.
€ 248 M
Loan portfolio Loans issued by the lending company to borrowers at the time of the most recent financial statement that are current or less than 60 days late.
€ 74 M
Buyback obligation A credit enhancement given by the lending company or other entity to the Issuer for a particular Set of Notes. If an underlying loan is more than 60 days late, the lending company is obligated to buy back the investment at nominal value plus accrued, outstanding or late interest. Usually, this means investors will be able to recover their investment in case of a borrower default.
With a buyback obligation
Skin in the Game To ensure the interests of a lending company and investors are aligned, the company is required to keep a stake of each investment opportunity it offers through Mintos. This is called the company's skin in the game.
0% - 10%
Average Interest % The weighted average interest rate of investment opportunities from this lending company.
7.4%
Website:
esto.eu/global
Founded:
2017
Employees:
83
Joined Mintos:
September 2019
Loan Types: The type of linked assets the lending company has issued.
Personal loan Personal loan
Personal loans (revolving pool) Personal loans (revolving pool)
Countries: Countries in which the linked assets were issued by the lending or rental company.
Currencies: Currencies in which investment opportunities from the company are offered.
EUR
Annual percentage rate charged to borrowers:
60%
Outstanding investments: Total volume of outstanding and available investments from this company on Mintos. Updated daily.
€ 24 467 887
Schedule extension: During the first 30 days after the due date of a loan payment, the borrower can opt for extending the loan payment schedule. The maximum number of extensions depends on the loan agreement and can't be more than 6. If the lending company agrees, the loan will be automatically updated, with the new schedule, and the due dates for all outstanding payments will be extended by up to 31 days. Investors will continue to earn the same interest throughout the remaining loan term.
Up to 6

About

ESTO was established in 2017 and provides a fully automated and tech-driven point of sale purchase financing and payments solution for its network of merchant partnerships in Baltics. ESTO’s business model is to facilitate payments between the client and merchant in an e-commerce setting by providing real-time payments for the merchant and payment schedules for the client. Among its partners are some of the largest retailers on the Estonian market - Kaup24, ONOFF, Valge Klaar, RDE, Bigbox, Photopoint and many more.

Presentation

Presentation

Last Updated: 03.12.2025

Financials

Financials

Last Updated: 29.08.2024