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.

Join us

Build the future of lending

About us

Meet our team

Leonard Schreij
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.

Henrik Dyberg
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.

Robin Hammar
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.

Simin Liu
Head of Product & Engineering – Simin Liu

An engineer at heart, Simin leads Monto's product development team.

Before Monto, she spent more than a decade as a IT consultant, developing and integrating systems and people. She loves classical music and tries to find time to practice on her violin every day.

Andreas Larsen
Commercial – Andreas Larsen

A relationship builder and numbers guy, Andreas leads Monto’s commercial activities.

Prior to Monto, he spent seven years in the IT industry developing his proficiency in B2B relations, sales and account management. Outside of work you will find Andreas at a heavy metal concert venue, or look for him in any nearby quiet forest.

Tom Turula
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.