Company

We were founded in Stockholm, Sweden in 2024. We (the founders) had spent the last few years at a University incubator as the head of the incubator (Andreas), head of the investment fund (Julia) and co-founder of a startup in the incubator (Sebastian).

We all saw the need for early stage companies and small businesses to access cash when they're growing. For the startups, venture capital was usually the only way, despite many of these companies not being built to work well under the rules set by VCs and external investors.

We knew there had to be a better way.

We did lots of research and learned about dynamic discounting, also called early payment discounts. Enterprises use these all the time, but we'd never heard of it.

So we set out to learn if dynamic discounting could be used for small businesses eager to grow, as well. We interviewed over 100 small business owners and CEOs and learned this is a great tool for businesses that don't want to take on debt, credit or even sell their invoices, just to get their payments on time.

We learned that part of the complications around dynamic discounting is in the discrepancies it creates in your bookkeeping, so first we solved that.

Next, we heard that invoicing easily lagged because you had to collect the client's invoicing information before even sending the invoice, pushing the payment even further into the future. So we solved that.

Now, we are fully focused on incentivizing clients to pay early with discounts they can measure against their own return on capital or annual yields.

In simpler terms, we believe big brands and large enterprises have no incentive to pay small businesses in a timely manner, unless you make it about money. And we help small businesses do exactly that.