For many university graduates, the transition into the professional world is a period of excitement. But for Kristiina, a graduate in Tartu, the reality was more complex. Despite her qualifications, she found herself facing a series of closed doors. Employers were hesitant to hire someone without prior experience, and many made assumptions about her future, suggesting that, as a young woman, she would step away for family reasons soon anyway.

Rather than waiting for an opportunity that might never come, Kristiina and her partner decided to build their own. Driven by a shared passion for interior design, they launched MK Furniture. What started as a online store reselling local Estonian products has since evolved into a significant direct importer. Their focus remains on products where Scandinavian simplicity, high-quality materials, and timeless design meet functionality.

MK Furniture was born from a desire to offer furniture that combines practicality, beauty, and durability. Every product we add to our selection must create value for the space it inhabits, whether that’s a home, an office, or a public environment.

– Kristiina Võsso, Founder, MK Furniture

Today, MK Furniture serves a wide range of clients – from homeowners to schools, municipalities, and interior architects – acting as a full-service partner that turns a design concept into a fully furnished reality.

Scaling and the need for additional capital

As MK Furniture matured, its growth potential began to outpace its existing resources. For Kristiina, the need for additional capital was a strategic realisation rather than a crisis – the demand was there, but moving to the next level required a stronger financial foundation.

Demand for our products was growing, and it became clear that to keep developing and reach the next level, we needed some extra financial support.

– Kristiina

Since MK Furniture imports most of its goods, growing the business requires a greater level of financial readiness. To stay competitive and provide the best service to their clients, the team set several investment goals:

• Expanding their product assortment
• Strengthening supply chains
• Increasing overall capacity

Beyond physical inventory, there was also a digital priority. They needed a more functional website that could better serve their growing customer base – from individual homeowners to large-scale business clients.

A flexible revenue-based model

When looking for the right partner to fund this expansion, traditional bank loans with their rigid collateral requirements and slow approval times often felt out of sync with the pace of a growing e-shop. Kristiina needed a solution built for the reality of modern retail.

Montonio’s Merchant Growth Financing is different because of its revenue-based model. There is no fixed monthly payment or interest fee. Instead, repayments are made as a small percentage of daily sales. This means the loan is repaid faster during busy periods, and the burden is lighter during quieter months. This way, repayments always stay in sync with the company's actual turnover.

This financing stands out because of its flexibility and simplicity. A major advantage is that the loan doesn't require collateral, which makes funding more accessible and reduces the risks of planning for growth.

– Kristiina

A fast and smooth application process

In the furniture business, opportunities to buy new stock or improve the supply chain often require quick action. For MK Furniture, the speed of getting the financing was just as important as the funds themselves.

Since Montonio's Merchant Growth Financing is based on the shop's actual sales data, the move from applying to receiving funds was seamless. This efficiency allowed Kristiina to focus on growing her company rather than spending time on paperwork.

The application process was convenient and smooth from start to finish, and all communication was fast and clear. The speed of reaching an offer and signing the contract fully met our expectations.

– Kristiina

Results and the road ahead

The investment led to immediate results for the business. By removing the financial barriers that had previously held them back, MK Furniture was able to speed up several growth projects that had been on hold.

We have expanded our range, improved our delivery capacity, and made our overall operations more efficient. The investment also helped us improve the customer experience on our website, making the buying process much smoother.

– Kristiina

Looking ahead, the focus remains on building a stronger brand and finding unique products. As MK Furniture continues to grow its work with schools and larger businesses, Kristiina sees flexible financing as a permanent part of their strategy. It allows the team to react quickly to market changes and invest at exactly the right time to support their long-term growth.

To keep up with MK Furniture’s activities and offers, follow them on Facebook and Instagram.