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.