Fresh accounting and financial data, through one API
Monto gives your organisation seamless access to real-time financial data from SME businesses' accounting software, instantly and securely.
Empowered by our credit intelligence platform, you can:
- Get actionable financial data with a few clicks
- Make better, faster credit decisions
- Enhance the customer experience while reducing risk
Monto changes the way lenders access data
Real-time connectivity
Fresh financial data delivered daily to your team, from the leading accounting software providers in Sweden.
Carefully validated
We built our data architecture from scratch and helped thousands of SMEs access seamless financing.
Intelligence, at every stage
Understand, assess and monitor individual borrowers and stay ahead of their evolving needs.
Get started with Monto's API today
Easily integrate with our API to get the accounting and financial data you need. Monto works with any tech architecture, helping you get up and running in no time:
- Instant API testing in sandbox mode
- Intuitive web-based interface for credit agents
- We handle end-user authentication and consent
- Normalised, categorised and synced data access
Our tools help you understand and delight SMEs
Connect
Access enriched balance sheet, invoice, and other financial data to view customers' ongoing performance.
Assess
Monto's premium intelligence layer delivers actionable KPIs to transform credit scoring and portfolio monitoring.
Predict
One-stop shop for predictive credit information and cash flow insights.
Transform your
credit business
Integrate real-time data into every process and decision to free up resources, boost business and reduce the probability of default – all at the same time.
Streamlined data collection
No more paperwork and scrambling for disparate data. Empower your credit agents with continuous insights through one simple interface.
Proactive loan monitoring
Monto's smart alerts help you get ahead of peaks, troughs, red flags – and take action before it's too late.
Automated decisions
Our AI-powered risk models can automatically handle straightforward credit decisions, like ‘easy accepts’.
It's time to change SME lending, for good
In 2015, our founders launched the pioneering lending and factoring service Capcito. Powered by real-time credit assessments, the company has changed the way SME businesses in Sweden access financing.
Launching Monto in 2021, we decided to tap into the massive opportunity of helping other lenders achieve similar results. All our learnings from Capcito have been poured into Monto's credit intelligence platform.
Besides gaining the unique experience that comes with serving thousands of SMEs with cutting-edge tools, we have also joined forces with an industry giant.
In 2021, Monto and Capcito were acquired by Fortnox, Sweden's number one accounting software provider. We both share the vision of offering the smart, fair and fast lending services that SMEs have lacked sorely until today.
If you represent a fintech, bank, factoring company or anything in between, don't hesitate to get in touch with our team to learn more about Monto.
Let's build the future of SME financing together.