Financial market professional with many years of experience Marko Ott has been building up systems and automized services with new IT platforms. He saw the niche in Estonian market of financial services and established Credito, the brand name of PC finance in 2012. 
Credito decided to make it simple, offer just one product- a consumer loan up to Eur 3,000. The screening process is very conservative, however once the client gets approved, the returning customers are having an easy access to repeated loans. The target audience are working citizens aged between 25-55 citizens.

-Over 65% are returning customers
-The rejection rate is 45%
-Current portfolio is approximately Eur 200,000
-Typical customers: Male and female employed citizens aged 25-55