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Small business idea: Open your own coffee shop
Jan 29, 2024

Small business idea: Open your own coffee shop

Dreaming of opening your own coffee shop? Read here how to make that dream profitable, what skills to pick up beforehand, and how to build a budget for running a successful coffee shop.

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How to set up your own e-shop on Etsy?
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How to set up your own e-shop on Etsy?

A guide for sellers of both handmade trinkets and unique vintage items. Get a thorough overview of how Etsy works and start your business today!

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What is dropshipping and how does it work?
Jan 15, 2024

What is dropshipping and how does it work?

Get started in e-commerce without planning and organising inventory! Get an overview of how dropshipping works and how to find products to sell.

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What makes ESTO's customer service exceptional?
Jan 09, 2024

What makes ESTO's customer service exceptional?

Fast, reliable customer service is the foundation of success in almost every line of business today. That's exactly why at ESTO we're committed to delivering top-tier customer support.

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A business idea for beginners: photography services
Jan 08, 2024

A business idea for beginners: photography services

Looking for a creative business idea? Here's an overview of why photo services are a great choice for starting a business, plus tips for finding your first clients.

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Secrets of a successful online store design: how to truly stand out from your competitors?
Jan 02, 2024

Secrets of a successful online store design: how to truly stand out from your competitors?

Boost your online store's sales with these tips!✨Discover how to build an online store that actually turns page visits into purchases.

E-commerce
5 concrete actions to take your online store's customer loyalty to the next level
Dec 20, 2023

5 concrete actions to take your online store's customer loyalty to the next level

Effective strategies for boosting customer loyalty in your online store. Find concrete recommendations for driving your brand's success by getting to know your customers.

E-commerce
Small business idea: Open your own online store
Dec 13, 2023

Small business idea: Open your own online store

Why is an online store a great idea for starting a business?✨Read here what it takes to open your own online store and how to find your niche!

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8 effective tips to make your online store user-friendly
Dec 06, 2023

8 effective tips to make your online store user-friendly

Looking for ways to speed up your online store's growth? Discover 8 practical tips to make your online store irresistible - boost traffic, improve the user experience, and increase revenue.

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© ESTO AS 2017–2026. Licensed by the Estonian Financial Supervision Authority (no. 4.1-1/74).

You are on the homepage of the credit organization ESTO AS, which offers financial services. Before signing the contract, carefully read the terms of the proposed contract and, if necessary, consult with an employee of ESTO AS or another specialist. By using the homepage, you signify your acceptance of the website's terms of use.

The annual percentage rate for the hire purchase of ESTO AS is 23.63% under the following example conditions: loan amount 1490 euros, cost of goods/services 1490 euros, down payment 0%, fixed interest rate 11.90%, contract fee 0 euros, total amount loan and repayment of 1844.64 euros, subject to repayment of the loan within 24 months, in equal monthly instalments of 76.86 euros. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist. The hire purchase service is offered and regulated by ESTO AS.

The annual percentage rate for the credit line of ESTO AS is 44.84% under the following example conditions: credit limit 500 EUR, unfixed initial (maximum) interest rate 37.10%, contract fee 0 EUR, monthly administration fee 0 EUR, the total amount of the loan and repayments is 608.16 EUR, provided that the loan is used in full and repaid within 12 months in equal monthly instalments. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist.

The annual percentage rate for the small loan of ESTO AS is 44.43% under the following example conditions: loan amount 1000 EUR, fixed interest rate 14.15% per year, contract fee 0 EUR, monthly administration fee 6.00 EUR, the total amount of the loan and repayments is 1213.56 EUR, provided that the loan is repaid within 12 months in equal monthly instalments of 101.13 EUR. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist. The small loan service is offered and regulated by ESTO AS.