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Home Our business units SME Banking – CapitalBox

Growth financing for SME's

With its unique, digitalised process, CapitalBox is a one-stop shop for SMEs needing short- and long-term financing. SMEs account for 99.8% of European businesses and are widely underserved by traditional banks as their processes and offer don’t match the needs of SMEs.

CapitalBox provides SMEs across Europe with fast and easy working capital, helping them grow their businesses and improve their communities. The application process is digital, and funds can be paid out as fast as during the same business day of the application.

CapitalBox has been operational since 2015.

Main USP's
CapitalBox differentiates itself from other players on the market, e.g. through
  • Digital lending experience
  • Strong AML & KYC procedures to ensure responsible lending
  • Financial offering at an unmatched speed of service

Key growth drivers

CapitalBox has full access to the Multitude platform e.g. for the regulatory and technological foundation for speed, cross-resourcing and selling opportunities for efficiency, and access to favourable funding.

internal

Internal

  • Improving customer onboarding and underwriting
  • Roll-out of new services and products

macroeconomics

Macroeconomics and trends

  • Increasing energy prices are driving the need for flexible financing for SMEs
  • A growing segment of SME
  • Increased demand for fast and flexible funding
  • Covid pandemic going over to an endemic

technological

Technological

  • Ability to continuously improve underwriting in the most attractive segments
  • Speed of application due to increased automation

What customers say about CapitalBox

“Really easy. We use it regularly to solve our liquidity fluctuations. Great service from beginning to end and fast processing time.”

- N. Madsen

Denmark

“Perfect for small business owners! Quick and straightforward. Perfect for small business owners who need a liquidity infusion in a short timeframe.”

- D. Wilson

Sweden

“BEST SERVICE. Very good and professional people. They understand the needs of the company, can evaluate them and make a good, fast loan offer.”

- Atusa Trading

Finland

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More about CapitalBox

As a pure FinTech company, CapitalBox has created innovative technology to provide SMEs the fastest, most convenient access to capital available.

More growth stories

Consumer banking
– Ferratum

Wholesale banking
– Multitude Bank