About us

Our vision and story

Learn more about the origins and people behind Monto.

We are a team of entrepreneurs and technologists who share the belief that small and medium sized businesses are the key to a better world. They contribute enormously to jobs, growth and innovation, but their financing needs have historically been unmet by banks and traditional lenders. Our founders set out to give SME businesses a better, smarter alternative.

With a vision to deliver fair and flexible financing for all businesses, they founded Capcito in 2015. The secret sauce was building seamless data connectivity to accounting systems, banks and external credit sources. This resulted in a personalised service that allowed businesses to secure working capital in a matter of minutes - and a fast-growing lending business.

Launching Monto in 2021, we were determined to open up these possibilities to lenders everywhere. Monto enables modern and traditional lenders alike to harness technology to make smarter, better credit decisions powered by real-time insight. By operating a direct lending company (Capcito) under the same roof, we gain crucial market feedback that allows us to maintain category-defining products.

Our aim is to become the leading credit intelligence platform in Europe providing automated, data-driven credit decisioning, monitoring and visualisation capabilities to fintechs, banks and other SME lenders. In 2021, Monto and Capcito were acquired by Fortnox, Sweden’s leading accounting and business service platform. This gives us superpowers to go even further, faster.

With security, insight and ease of use as our guiding principles, we help your business gain the full benefit of 21st century financing.

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Build the future of lending

About us

Meet our team

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CEO – Leonard Schreij

Leonard is a founding team member of Monto, as well as Capcito Finance. Having spent six years enabling financing to SMEs through direct lending, he realised the potential to leverage Capcito’s technology to serve even more entrepreneurs.

When not working, you’ll find him at sea, in the mountains or behind the drums jamming out with other Monto-musicians.

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CTO – Henrik Dyberg

A natural problem solver, Henrik Dyberg heads up technology and servicing at Monto and Capcito Group.

Prior to co-founding the two companies, Henrik held executive positions at various leading ERP providers – most recently serving as CTO of SoftOne Applications. He enjoys golf, skiing, biking, and spending time with his children.

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CPO – Robin Hammar

A tech enthusiast and financial product geek, Robin Hammar leads Monto’s Product organization.

Robin previously spent eight years at Klarna in various positions in Credit Risk, Analytics and Product Management. He is immensely fond of running, sports of any kind, and outdoor activities that require unreasonable amounts of equipment.

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Head of Integration – Simin Liu

As Integration Manager at Monto, Simin Liu manages projects to deliver SaaS-solutions to our customers.

Simin has extensive IT-consulting experience, specialising in system integrations for financial institutions. She loves reading, spending time with her family and travelling whenever time permits.

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CCO – Johan Blomkvist

A self-professed financial services nerd and keen problem solver, Johan Blomkvist leads Monto’s commercial activities.

He previously spent 10 years at management consultancy Oliver Wyman, and has seen the inside of more financial institutions than he dares to admit. Outside of work you will find Johan on top of or going down mountains, ideally on skis, mountain bike or running shoes.

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PR & Marketing – Tom Turula

A wordsmith and tech aficionado, Tom Turula leads Monto’s marketing and communications efforts.

Before leaping into the world of fintech via stints at iZettle and Tink, Tom was a business journalist for Business Insider Nordic. He enjoys playing tennis, doing yoga, and improving his kitesurfing skills somewhere in Europe.