Capcito Finance AB, based in Stockholm, Sweden, is a financial technology startup that provides flexible financing solutions to small and medium-sized enterprises (SMEs). The company specializes in offering two main services: credit lines (Checkkredit) and factoring. Factoring is a financial transaction where a business sells its accounts receivable (invoices) to a third party at a discount in exchange for immediate cash. This helps businesses improve their cash flow without waiting for their customers to pay their invoices.

Capcito serves a wide range of clients, primarily focusing on SMEs that need quick and flexible access to working capital. These businesses often face cash flow challenges and require immediate funding to manage their operations, pay suppliers, or invest in growth opportunities.

Operating in the financial services market, Capcito leverages advanced technology to provide fast and efficient financing solutions. The company's business model revolves around assessing the creditworthiness of its clients using real-time data and offering tailored financing options based on their specific needs. This data-driven approach allows Capcito to minimize risk and provide competitive rates.

Capcito makes money by charging fees and interest on the credit lines and factoring services it provides. The fees are typically a percentage of the invoice value or the amount of credit extended. By offering these financial products, Capcito helps businesses maintain a healthy cash flow, which is crucial for their growth and stability.

In summary, Capcito Finance AB is a fintech company that provides flexible financing solutions to SMEs through credit lines and factoring. It operates in the financial services market, using technology to offer fast and efficient funding options. The company generates revenue through fees and interest on its financial products.

Keywords: fintech, SMEs, credit lines, factoring, cash flow, financing, technology, Sweden, real-time data, working capital.