Fast funding for growing companies.
Cover a cash gap, buy stock, or back your next move — with a fixed monthly payment and no surprises.
Complete the application for your exact monthly payment.
Apply nowPlain terms. No hidden fees.
Your monthly payment is principal plus interest — nothing else. It is fixed from day one, so there are no surprises.
- No contract fee
- No admin fee
- Repay early at no cost
- One-minute application
- Loan amount Pick the amount your plan needs.
- 1 000 – 50 000 €
- Repayment period Fixed monthly payment, starting next month.
- 1–72 months
- Payout After approval — decision in real time.
- 1–2 business days
Three steps. Here's how.
- 01
Personal details
Add your basic contact and financial details.
- 02
Company details
Enter your company information.
- 03
Review & sign
Get a decision in real time, then review the terms and sign.
Requirements for the applicant.
If your company checks these boxes, you can apply today and have an answer before tomorrow.
- Operating for at least 12 months
- Applicant is a board member or authorised representative
- No overdue debts or tax arrears
- Annual revenue supports the requested amount
Capital that moves as fast as your business.
Apply in a minute, get a decision in real time, and have the money within 1–2 business days.
- 01
Inventory
Stock up for seasonal demand or expand your product range.
- 02
Marketing & growth
Invest in customer-acquisition campaigns and brand building.
- 03
Expansion
Open a new location, enter a new market or scale operations.
- 04
Working capital
Cover cash-flow gaps and day-to-day operating costs.
Business loan questions.
ESTO business loans range from 1 000 € to 50 000 €, with repayment periods from 1 to 72 months. Pick the amount and period that fits your business — the monthly payment is fixed from day one, so there are no surprises.
After approval, the money is transferred within 1–2 business days. The faster you complete the application and provide the documents, the faster you have the capital.
The application is simple. We usually need basic company information, recent bank statements and financial reports. In many cases the decision is made within 1 business day.
Yes. All ESTO business loans require a personal guarantee from a company representative. This is standard practice for unsecured business loans — no collateral is needed, but the guarantor takes personal responsibility for repayment. Full terms are presented clearly before signing.
Yes. You can repay the loan early at any time with no penalty or extra fee. You pay interest only for the period you actually used.