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ESTO

Last Updated: 19.01.2023. Date when the basic information was updated
ESTO
Empréstimos originados Volume total de empréstimos concedidos por esta empresa a mutuários desde a sua fundação.
€ 248 M
Loan portfolio Empréstimos emitidos pela sociedade mutuante a mutuários à data do balanço financeiro mais recente, que estão em curso ou com menos de 60 dias de atraso.
€ 62 M
Obrigação de recompra 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 Para garantir que os interesses de uma empresa de crédito e dos investidores estejam alinhados, a empresa é obrigada a manter uma participação em cada oportunidade de investimento que oferece através da Mintos. Isso é chamado de "skin in the game" (pele em jogo) da empresa.
0% - 10%
Juros médios (%) A taxa de juro média ponderada das oportunidades de investimento desta sociedade de crédito.
9.7%
Website:
esto.eu/global
Founded:
2017
Colaboradores:
62
Joined Mintos:
September 2019
Loan Types: O tipo de ativos associados que a empresa de crédito emitiu.
Crédito pessoal Crédito pessoal
Personal loans (revolving pool) Personal loans (revolving pool)
Countries: Os países quem que os ativos associados foram emitidos pela empresa de crédito ou de aluguer.
Moedas: Moedas em que são oferecidas as oportunidades de investimento da empresa.
EUR
Annual percentage rate charged to borrowers:
60%
Investimentos pendentes: Volume total de créditos em dívida e disponíveis desta empresa no Mintos. Atualizado diariamente.
€ 24 061 866
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

Notícias recentes

29.11.2023

ESTO Group invites to investor conference for 9m 2023 results

09.11.2023

ESTO reports a 54% revenue increase in Q3 2023

24.05.2023

ESTO drives growth in 2022, increases profits in Q1 2023 by 45%
Todas as notícias

Sobre

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: 11.04.2024

Financials

Financials

Last Updated: 29.08.2024

Loan Agreement

Loan Agreement

Last Updated: 30.08.2019