ESTO Group is a financial technology company based in Tallinn, Estonia, founded in 2017. It specializes in offering various payment solutions for both B2B and B2C clients across the Baltic region. These solutions include payment facilitation, Buy Now Pay Later (BNPL) options, and consumer loans[1]. ### Key Features and Achievements: - Products and Services: ESTO provides several products such as ESTO Checkout for B2B merchants, ESTO Account for consumer digital banking, and ESTO Market for shopping and marketing[1]. - Partnerships and Expansion: The company has partnerships with over 2,000 merchants in the Baltics, including major retailers like IDeal and JYSK. ESTO expanded to Lithuania and Latvia in 2021 and received a 4 million loan from Citadele Bank to enhance its operations[1]. - Financial Performance: As of 2022, ESTO had facilitated over 100 million in credit. In 2024, it reported record-breaking profits and secured additional funding for European expansion[3]. - Investment Opportunities: ESTO Group offers investment opportunities through Mintos, providing loans with interest rates up to 12% per annum[2]. ### Recent Developments: - Funding and Expansion: ESTO Holdings OU closed a 15 million senior secured notes offering in October 2024, which was oversubscribed by 1.9 times[3]. - Collaborations: ESTO has collaborated with companies like Decathlon and ON24 Sisustuskaubamaja to enhance shopping experiences in the Baltic region[3].