How an Estonian Entrepreneur Boosted His Amazon Sales with Revenue-Based Financing

Are you in e-commerce and looking to expand to Amazon or other international markets? Find out how Tarvi Toming, founder of Kulla OÜ, used flexible financing to grow his sales on Amazon Germany.

From Deal Portals to Amazon Expansion

Tarvi Toming began his e-commerce journey back in 2012, initially selling through deal platforms like Cherry. When those portals shut down, he shifted to independent operations and built his own online store.

His growth since then has been impressive:

• joined the Kaup24 marketplace, allowing expansion to Latvia, Lithuania, and Finland;
• started selling on Amazon;
• and a year ago joined the Amazon FBA program, meaning products are stored in Amazon’s German warehouse and shipped directly to customers.
  
  

Today, Kulla OÜ employs three people. The company sells well-known brands like Pampers, Fairy, and Ariel, operating across its own e-store, Kaup24, and Amazon.

Why Was Financing Needed?

On Amazon, sales success often comes down to product availability. “Softloans came at the right time to help us scale our FBA stock - it got the snowball rolling,” says Tarvi.

The business needed more working capital to send higher volumes of goods to the FBA warehouse. Bank financing wasn't a fit due to:

• fixed monthly repayments, which don’t suit fluctuating seasonal sales;
• and collateral requirements, which were unrealistic for a small business.
  
  

Flexible Financing from Softloans

Softloans offered a solution that matched Tarvi’s business model perfectly:
 

• Repayments based on sales revenue - pay less during slower months.
• Fast and simple application process - funds were in the account within days.
• Personal approach - unlike banks, Softloans understood the business model and needs.

The Results: More Inventory, More Sales

Thanks to the financing, Tarvi was able to:

• send more inventory to Amazon’s FBA warehouse,
• avoid stockouts of best-selling products,
• and grow revenue and market presence in Germany.
  
  

“Revenue-based financing helped us not only plan growth, but actually execute it without putting pressure on our cash flow.”

Is Your Business Ready to Grow?

If you’re selling through Amazon FBA, Pigu, Kaup24 or another marketplace, and need financing to:

• invest in inventory,
• strengthen ad campaigns,
• or enter new markets,
  
  

then Softloans’ revenue-based financing might be just the tool to turn your plans into results.

Check if you're eligible for a personalized offer, there’s no obligation.