Capcito
Capcito is a Swedish fintech, founded in 2015 and 78%-owned by Nasdaq-listed Fortnox since 2021, providing invoice financing, business loans, and invoice-backed credit lines to small and medium enterprises using real-time accounting data integrations for automated credit decisions.
- Company typePrivate
- Founded2015
- HeadquartersStockholm, Sweden
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Capcito does
Capcito Finance AB is a Stockholm-based fintech founded in January 2015 that provides working capital financing to Swedish small and medium enterprises. The company offers three core products: Företagslån (business loans up to 2 million SEK over 3-60 months at individualized rates of 1-3.5% per 30 days), Fakturaköp (invoice purchase with up to 99% immediate payment, fees of 0.5-3%), and Fakturabelåning/Capcito Flex (a flexible invoice-backed credit line that adjusts automatically with sales). Since 2015, the platform has disbursed over 3.2 billion SEK to more than 44,150 connected companies.
The platform's central technology differentiator is real-time credit assessment driven by native API integrations with Sweden's three dominant accounting platforms—Fortnox, Visma, and PE Accounting—which ingest live bookkeeping data (income statements, balance sheets, invoicing flows) to underwrite borrowers against current sales rather than static annual reports. Approximately one-third of invoice purchases are processed fully automatically through algorithms, and the customer application flow uses Swedish BankID for digital onboarding. A wholly-owned subsidiary, Monto, was spun off in 2021 to commercialize the underlying data-driven lending infrastructure as a B2B SaaS platform for banks and lenders.
Capcito monetizes via usage-based interest on loans, transaction fees on invoice purchases, and per-draw interest on credit lines. The company was acquired in November 2021 by Nasdaq-listed Fortnox, which took a 78% stake at a 410 million SEK company valuation, embedding Capcito directly into Fortnox's ecosystem of 460,000+ Swedish business customers and adding a strategic bank partnership with SEB for distribution through corporate banking channels.
Capcito firmographics
Firmographics- Name
- Capcito
- Legal name
- Capcito Finance AB
- Website
- https://capcito.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Capcito is a Swedish fintech, founded in 2015 and 78%-owned by Nasdaq-listed Fortnox since 2021, providing invoice financing, business loans, and invoice-backed credit lines to small and medium enterprises using real-time accounting data integrations for automated credit decisions.
- Ownership category
- akta.pro rank
Capcito industry classification
Industry- Product category
- SME Lending & Invoice Financing
- NAICS
- Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)
- akta.pro secondary industries
- Lending & Credit Disbursements (FSAMAKAH), Order-to-Cash (O2C) Operations (Order Admin, Credit, Invoicing, Collections Handoff) (BPAAAGAK)
Keywords
Where Capcito is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices2 records
Markets served
Capcito business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Business Loan Interest: Capcito earns interest on business loans ranging from 1-3.5% per 30 days, set individually based on each company's creditworthiness. Loans are repaid weekly over 3-60 month terms with no hidden fees.
- Invoice Purchase Fees (Fakturaköp): Capcito purchases invoices and advances up to 99% of the invoice value immediately, earning a fee typically between 0.5-3% of the invoice amount.
- Invoice Credit Line Fees (Fakturabelåning): Flexible credit facility where companies pay interest only for the days they actually borrow, using outstanding invoices as collateral.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Weekly | Business loans up to 2,000,000 SEK with 3-60 month terms |
| Transaction based/ take rate | Pay-as-you-go | Invoice purchase with up to 99% immediate payment |
| Usage-based | Pay-as-you-go | Flexible invoice credit line with automatic limit adjustment |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Capcito product offering
Product offeringCore offering
Capcito is a Swedish fintech that provides digital financing to small and medium-sized businesses, including business loans of up to 2 million SEK (Företagslån), invoice factoring (Fakturaköp) with up to 99% advance on invoice value, and flexible invoice-backed credit lines (Fakturabelåning/Capcito Flex). Credit decisions are driven by real-time analysis of accounting data integrated from platforms such as Fortnox, Visma, and PE Accounting, allowing individualized offers, fast disbursement within 24 hours, and no hidden fees.
Product overview
Capcito is a Swedish fintech company offering a unified platform of business financing products: Företagslån (business loans up to 2M SEK), Fakturaköp (invoice factoring), Fakturabelåning (invoice-backed credit lines), and Capcito Flex (flexible checkkredit). The products share a common technology infrastructure that uses real-time accounting data integration with platforms like Visma, Fortnox, and PE Accounting for automated credit assessment. Monto, a separate B2B SaaS platform, was spun off from Capcito in 2021 to provide data-driven lending technology to banks and other lenders. Since 2021, Capcito has been part of the Fortnox group (Nasdaq-listed), with financing services integrated directly into Fortnox's ecosystem for over 460,000 business customers.
Differentiator
Problem solved
Functional benefit
Products and services
- Företagslån (Business Loan)
Quantifiable outcome
- 3.2 billion SEK loaned to businesses since 2015
- +4 more outcomes
Companies that use Capcito
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
Capcito technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability3 records
Feature4 records
Capcito partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered flagship and core.
- FortnoxflagshipIn November 2021, Nasdaq-listed Fortnox acquired 78% of Capcito for a company valuation of 410 million SEK. The acquisition integrates Capcito's financing services with Fortnox's ecosystem of 460,000+ business software customers. Capcito operates as a subsidiary while leveraging Fortnox's distribution reach and resources for international expansion.
- SEBcoreSEB partnered with Capcito to provide Swedish business customers access to automated financing through SEB's internet portal for businesses. SEB uses Capcito's technology platform to offer digital loan and invoice financing applications to their corporate customers.
- VismacoreVisma is one of Capcito's accounting software integration partners, allowing Visma users to connect their bookkeeping data for real-time credit assessment and automated financing processes.
- FortnoxcoreDeep integration with Fortnox accounting and invoicing software enables Capcito to access real-time financial data and offer integrated financing directly within the Fortnox platform.
- MontocoreSubsidiary company spun off from Capcito in 2021 to commercialize Capcito's technology platform. Monto provides a B2B SaaS platform for lenders (including banks and fintechs) to access real-time SME financial data for credit decisions.
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
Capcito competitors and assessment
Company assessmentEmerging players
- Tink: Swedish open-banking data platform (acquired by Visa) providing bank-account data and connectivity that underpins modern SME lending. Comparable to the data layer that Capcito and its Monto spin-out rely on for real-time credit assessment.
- Funding Circle: UK-listed SME lending platform providing working capital loans and invoice finance to small businesses via a digital, data-driven process. Comparable data-driven underwriting thesis and SME focus, though larger and publicly traded.
Broad incumbents
- Klarna: Swedish fintech giant offering BNPL, payments, and increasingly merchant/SME financial services. Comparable Swedish origin and SMB-adjacent fintech stack, though Klarna's SME offerings remain a smaller slice of its business.
- Zettle by PayPal: Swedish-origin merchant services and SMB financial tools provider (acquired by PayPal). Overlaps with Capcito in serving Swedish SMBs with embedded finance, though Zettle's lending products are more limited.
- SEB: Major Nordic bank that is both a Capcito shareholder and distribution partner (using Capcito's platform to originate SME loans). Comparable SME lending offering from the incumbent side and a key strategic counterparty.
Direct peers
- Qred: Swedish fintech offering business loans and invoice factoring to SMBs with a fully digital, real-time underwriting process. Direct competitor to Capcito in Swedish SME lending with similar product breadth (loans, factoring, credit lines).
- CapitalBox: Nordic online lender providing short-term business loans and invoice financing to SMEs. Competes head-to-head with Capcito in the Swedish market on speed, transparency, and digital onboarding.
- Froda: Swedish fintech lending to small businesses via an integrated platform with accounting-software partners. Closely comparable product offering and target customer as Capcito, including automated credit decisions based on real-time data.
- Billie: European B2B buy-now-pay-later and invoice financing provider focused on SMBs. Comparable invoice financing mechanics and target segment, with cross-border footprint Capcito lacks.
- Svea Bank: Nordic financial group offering SME lending, invoice factoring, and credit lines. A more established, full-service alternative lender comparable to Capcito's invoice purchasing and business loan products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks1 record
Key highlights6 records
Customer concentration
Capcito social profiles
Digital presenceCapcito compliance and trust
Trust signalCompliance2 records
Capcito financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capcito leadership team
Management profileNumber of profiles
Profiles8 records
Capcito subsidiaries and ownership
Company hierarchySubsidiaries1 record
Capcito funding detail
Funding detailFunding overview
Funding rounds5 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capcito M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capcito
What does Capcito do?
Capcito is a Swedish fintech that provides digital financing to small and medium-sized businesses, including business loans of up to 2 million SEK (Företagslån), invoice factoring (Fakturaköp) with up to 99% advance on invoice value, and flexible invoice-backed credit lines (Fakturabelåning/Capcito Flex). Credit decisions are driven by real-time analysis of accounting data integrated from platforms such as Fortnox, Visma, and PE Accounting, allowing individualized offers, fast disbursement within 24 hours, and no hidden fees.
Is Capcito a public or private company?
Capcito is a private company. It is classified as corporate owned and is currently operating.
When was Capcito founded?
Capcito was founded in 2015. It employs 51 to 100 people.
Where is Capcito based?
Capcito is headquartered in Stockholm, Sweden, in the Europe region.
How does Capcito make money?
Three revenue lines are on record. Business Loan Interest is the primary driver. The others are invoice Purchase Fees (Fakturaköp) and invoice Credit Line Fees (Fakturabelåning).
Who are Capcito's main competitors?
Emerging players on record are Tink and Funding Circle. Broad incumbents are Klarna, Zettle by PayPal and SEB. Direct peers are Qred, CapitalBox, Froda, Billie and Svea Bank.
Does Capcito have an API?
No public API is recorded for Capcito.
What industry is Capcito in?
Capcito's product category is SME Lending & Invoice Financing. Its primary akta.pro industry code is FSAGAHAE, Pricing, Risk-Based Offer & Limit Management, with a secondary code of FSAMAKAH, Lending & Credit Disbursements. Its NAICS code is 5222 and its SIC code is 6153.