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 conviction that small and medium sized businesses are the key to a better world. Starting in 2015, our founders set out to solve one of their biggest headaches: access to fair and flexible financing.

Having personally faced countless rejections when applying for funding, they decided to engineer a service addressing the industry’s key hurdles: manual processes, a lack of reliable and relevant data, and a general mismatch between SMEs’ dynamic needs and the lending industry’s capabilities to meet them.

In 2015, we founded a pioneering lending and factoring service aimed at SMEs, Capcito. We spent two years developing our proprietary scoring engine and initiated a partnership with leading Nordic bank SEB, enabling us to provide fast and accessible working capital.

The service was powered by real-time data connections to SME accounting systems. Our focus on data, technology and customer experience allowed us to provide SMEs access to fair working capital solutions.

With Monto, we are determined to make this opportunity available at scale. We want to be the bridge that allows traditional as well as modern lenders to quickly achieve new dimensions of insight, risk control, efficiency and customer experience in their lending. And we want to continuously help improve their offering with time.

Today we offer the Monto platform as a modular one-stop-shop service to companies looking to offer fully digital and highly automated financial services to their end clients. By operating a fast-growing direct lending company under the same roof (Capcito), we gain instant feedback from SME businesses in order to ensure that our products and services are one of a kind on the market today.

Our goal is to become the leading platform in Europe providing better lending and credit decision tools to banks, financial institutions, ERPs and PSPs. In 2020, we launched our first licensing partnership with SEB to use our proprietary technology, and have since onboarded a handful of other industry players.

With security and ease of use as our guiding principles, we aim to become the go-to technology partner for all companies offering working capital solutions to SMEs, so they can gain the full benefit of modern 21st century financing.

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Build the future of lending

About us

Meet our team

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CEO – Michael Hansen

Michael Hansen is a seasoned entrepreneur whose firm vision is to democratise access to working capital.

Before launching Monto, Michael co-founded Capcito Group, a pioneer in data-driven invoice financing and loans for SMEs. He is an active startup investor and loves to spend time with his family, playing golf or planning adventures in remote destinations.

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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.