User:Lakshyacapitalbox/sandbox: Difference between revisions – Wikipedia

 

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{{AFC submission|d|v|u=Lakshyacapitalbox|ns=2|decliner=DoubleGrazing|declinets=20250916072232|ts=20250916071041}} <!– Do not remove this line! –>

{{AFC comment|1=All the references are wrapped inside ‘nowiki’ tags for some weird reason, hence why none of them render correctly. Please remove all nowikis from the text, there should be no reason to use them at all. [[User:DoubleGrazing|DoubleGrazing]] ([[User talk:DoubleGrazing|talk]]) 07:22, 16 September 2025 (UTC)}}

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{{Short description|SME Lending Company in Europe}}

{{Short description|SME Lending Company in Europe}}

{{Draft topics|northern-europe|business-and-economics|stem}}

{{Draft topics|northern-europe|business-and-economics|stem}}

{{AfC topic|org}}

{{AfC topic|org}}

{{AfC submission|||ts=20250916071041|u=Lakshyacapitalbox|ns=2}}

{{User sandbox}}

<!– EDIT BELOW THIS LINE –>{{Infobox company

<!– EDIT BELOW THIS LINE –>{{Infobox company

| name = CapitalBox

| name = CapitalBox

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”’CapitalBox”’ is a European financial technology company that provides financing to small and medium-sized enterprises (SMEs). Established in 2015 as part of the Ferratum Group (now ”’Multitude SE”’), the company offers unsecured and secured loans, credit lines, and invoice financing. CapitalBox operates as a digital-first lender headquartered in Helsinki, Finland, and by 2023 had served over 20,000 SME customers across multiple European countries.<nowiki><ref name=”NFTM”>Nordic Fintech Magazine. [https://nordicfintechmagazine.com/how-alternative-finance-is-closing-the-sme-funding-gap-in-the-eu-by-helping-businesses-grow/ “How Alternative Finance Is Closing the SME Funding Gap in the EU”]. Published 6 June 2023. Retrieved 15 September 2025.</ref></nowiki><nowiki><ref name=”TFT”>The Fintech Times. [https://thefintechtimes.com/behind-the-idea-capitalbox/ “Behind the Idea: CapitalBox”]. Published 10 November 2020. Retrieved 15 September 2025.</ref></nowiki>

”’CapitalBox”’ is a European financial technology company that provides financing to small and medium-sized enterprises (SMEs). Established in 2015 as part of the Ferratum Group (now ”’Multitude SE”’), the company offers unsecured and secured loans, credit lines, and invoice financing. CapitalBox operates as a digital-first lender headquartered in Helsinki, Finland, and by 2023 had served over 20,000 SME customers across multiple European countries.<nowiki><ref name=”NFTM”>Nordic Fintech Magazine. [https://nordicfintechmagazine.com/how-alternative-finance-is-closing-the-sme-funding-gap-in-the-eu-by-helping-businesses-grow/ “How Alternative Finance Is Closing the SME Funding Gap in the EU”]. Published 6 June 2023. Retrieved 15 September 2025.</ref></nowiki><nowiki><ref name=”TFT”>The Fintech Times. [https://thefintechtimes.com/behind-the-idea-capitalbox/ “Behind the Idea: CapitalBox”]. Published 10 November 2020. Retrieved 15 September 2025.</ref></nowiki>

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== History ==

== History ==

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By mid-2025, CapitalBox reported €17.3 million in revenue for the first half of the year, representing a 7.8% year-on-year increase, while significantly reducing pre-tax losses through enhanced risk management and portfolio quality.<nowiki><ref name=”Multitude”>Multitude SE. [https://www.multitude.com/reports “Half-Year Report 2025”]. Published 31 July 2025. Retrieved 15 September 2025.</ref></nowiki>

By mid-2025, CapitalBox reported €17.3 million in revenue for the first half of the year, representing a 7.8% year-on-year increase, while significantly reducing pre-tax losses through enhanced risk management and portfolio quality.<nowiki><ref name=”Multitude”>Multitude SE. [https://www.multitude.com/reports “Half-Year Report 2025”]. Published 31 July 2025. Retrieved 15 September 2025.</ref></nowiki>

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== Countries of Operation ==

== Countries of Operation ==

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* ”’Invoice Financing (Factoring)”’ – Expanded in 2024 through the Omniveta acquisition, this service allows SMEs to sell outstanding invoices to CapitalBox for immediate liquidity.<nowiki><ref name=”Finextra”/></nowiki>

* ”’Invoice Financing (Factoring)”’ – Expanded in 2024 through the Omniveta acquisition, this service allows SMEs to sell outstanding invoices to CapitalBox for immediate liquidity.<nowiki><ref name=”Finextra”/></nowiki>

* ”’Secured Loans”’ – Launched in 2024, collateralized loans range from €100,000 to €1 million, secured by assets such as property, vehicles, or machinery.<nowiki><ref name=”Collateral”/></nowiki>

* ”’Secured Loans”’ – Launched in 2024, collateralized loans range from €100,000 to €1 million, secured by assets such as property, vehicles, or machinery.<nowiki><ref name=”Collateral”/></nowiki>

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== Business Model and Unique Selling Points ==

== Business Model and Unique Selling Points ==

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* ”’Personalization and Flexibility”’ – Financing solutions are tailored to each SME’s specific needs, accommodating unusual structures and industries.<nowiki><ref name=”TFT”/></nowiki>

* ”’Personalization and Flexibility”’ – Financing solutions are tailored to each SME’s specific needs, accommodating unusual structures and industries.<nowiki><ref name=”TFT”/></nowiki>

* ”’Digital-First Approach”’ – Applications, credit scoring, and risk assessment are fully online, supported by data analytics and machine learning tools.<nowiki><ref name=”NFTM”/></nowiki>

* ”’Digital-First Approach”’ – Applications, credit scoring, and risk assessment are fully online, supported by data analytics and machine learning tools.<nowiki><ref name=”NFTM”/></nowiki>

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== Ownership and Group Structure ==

== Ownership and Group Structure ==

CapitalBox is part of ”’Multitude SE”’, a Helsinki-based fintech group listed on the Frankfurt Stock Exchange. Multitude owns several brands, including Ferratum (consumer lending) and Multitude Bank. Within this structure, CapitalBox functions as the group’s SME financing division.<nowiki><ref name=”Multitude”/></nowiki>

CapitalBox is part of ”’Multitude SE”’, a Helsinki-based fintech group listed on the Frankfurt Stock Exchange. Multitude owns several brands, including Ferratum (consumer lending) and Multitude Bank. Within this structure, CapitalBox functions as the group’s SME financing division.<nowiki><ref name=”Multitude”/></nowiki>

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== Leadership ==

== Leadership ==

As of 2025, ”’Mantvydas Štareika”’ serves as Chief Executive Officer of CapitalBox. Under his leadership, the company launched secured loans, integrated invoice financing through the Omniveta acquisition, and introduced revolving credit lines for SMEs.<nowiki><ref name=”NFTM”/></nowiki>

As of 2025, ”’Mantvydas Štareika”’ serves as Chief Executive Officer of CapitalBox. Under his leadership, the company launched secured loans, integrated invoice financing through the Omniveta acquisition, and introduced revolving credit lines for SMEs.<nowiki><ref name=”NFTM”/></nowiki>

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== Reception and Industry Impact ==

== Reception and Industry Impact ==

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=== Industry Recognition ===

=== Industry Recognition ===

CapitalBox has not widely publicized major awards, but its acquisitions and product innovations have been cited by industry media as evidence of its growing role in European SME lending.<nowiki><ref name=”Spotcap”/></nowiki>

CapitalBox has not widely publicized major awards, but its acquisitions and product innovations have been cited by industry media as evidence of its growing role in European SME lending.<nowiki><ref name=”Spotcap”/></nowiki>

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== See Also ==

== See Also ==

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• Comment: All the references are wrapped inside ‘nowiki’ tags for some weird reason, hence why none of them render correctly. Please remove all nowikis from the text, there should be no reason to use them at all. DoubleGrazing (talk) 07:22, 16 September 2025 (UTC)

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SME Lending Company in Europe

CapitalBox

Company type	Subsidiary
Industry	Financial services, Fintech
Founded	2015
Founder	Ferratum Group (now Multitude SE)
Headquarters
Area served	Europe
Key people	Mantvydas Štareika (CEO)
Products	Unsecured SME loans, Secured loans, Business credit lines, Invoice financing (factoring)
Parent	Multitude SE
Website	capitalbox.com

CapitalBox is a European financial technology company that provides financing to small and medium-sized enterprises (SMEs). Established in 2015 as part of the Ferratum Group (now Multitude SE), the company offers unsecured and secured loans, credit lines, and invoice financing. CapitalBox operates as a digital-first lender headquartered in Helsinki, Finland, and by 2023 had served over 20,000 SME customers across multiple European countries.<ref name=”NFTM”>Nordic Fintech Magazine. [https://nordicfintechmagazine.com/how-alternative-finance-is-closing-the-sme-funding-gap-in-the-eu-by-helping-businesses-grow/ “How Alternative Finance Is Closing the SME Funding Gap in the EU”]. Published 6 June 2023. Retrieved 15 September 2025.</ref><ref name=”TFT”>The Fintech Times. [https://thefintechtimes.com/behind-the-idea-capitalbox/ “Behind the Idea: CapitalBox”]. Published 10 November 2020. Retrieved 15 September 2025.</ref>

CapitalBox was founded in 2015 as Ferratum Business, the SME lending division of the Finnish Ferratum Group.<ref name=”TFT”/> In 2020, the unit was rebranded as CapitalBox following the parent company’s transformation into Multitude SE.<ref name=”Finextra”>Finextra. [https://www.finextra.com/pressarticle/83314/ferratum-business-rebrands-as-capitalbox “Ferratum Business rebrands as CapitalBox”]. Published 8 June 2020. Retrieved 15 September 2025.</ref>

The company expanded to Denmark in 2016 and by 2020 was operating in Sweden, Finland, Denmark, Lithuania, and the United Kingdom.<ref name=”Spotcap”>AltFi. [https://www.altfi.com/article/7024_capitalbox-acquires-spotcap-netherlands “CapitalBox acquires Spotcap Netherlands”]. Published 27 October 2020. Retrieved 15 September 2025.</ref> In October 2020, CapitalBox acquired the Dutch operations of Spotcap, a rival online lender, strengthening its position in the European SME financing market.<ref name=”Spotcap”/>

In 2023, CapitalBox launched a revolving business credit line product and began developing secured lending for larger loans.<ref name=”NFTM”/> In February 2024, it introduced collateralized lending, offering secured SME loans up to €1 million.<ref name=”Collateral”>CapitalBox. [https://www.capitalbox.com/collateral-loans “CapitalBox launches collateral loans”]. Published 2 February 2024. Retrieved 15 September 2025.</ref> In March 2024, CapitalBox acquired Omniveta Finance, a Danish invoice financing company, adding factoring services to its portfolio and rebranding Omniveta under the CapitalBox name.<ref name=”Finextra”/>

By mid-2025, CapitalBox reported €17.3 million in revenue for the first half of the year, representing a 7.8% year-on-year increase, while significantly reducing pre-tax losses through enhanced risk management and portfolio quality.<ref name=”Multitude”>Multitude SE. [https://www.multitude.com/reports “Half-Year Report 2025”]. Published 31 July 2025. Retrieved 15 September 2025.</ref>

CapitalBox operates in several European markets through localized platforms and subsidiaries:

• Finland – via capitalbox.fi, serving local SMEs with loans and financing solutions.
• Sweden – via capitalbox.se.
• Denmark – expanded in 2016, strengthened by the 2024 acquisition of Omniveta Finance.
• Lithuania – via capitalbox.lt.
• Netherlands – entered in 2020 through the acquisition of Spotcap NL.<ref name=”Spotcap”/>

The company has announced ambitions to expand into further European countries beyond this core group.<ref name=”NFTM”/>

CapitalBox offers multiple financing solutions for SMEs:

• Unsecured SME Loans – Up to €350,000, with repayment terms of up to 36 months. Applications are fully digital and can be approved and funded within the same day.<ref name=”Spotcap”/>
• Business Credit Lines – Introduced in 2023, these revolving facilities allow SMEs to draw and repay funds flexibly, paying interest only on the amount used.<ref name=”NFTM”/>
• Invoice Financing (Factoring) – Expanded in 2024 through the Omniveta acquisition, this service allows SMEs to sell outstanding invoices to CapitalBox for immediate liquidity.<ref name=”Finextra”/>
• Secured Loans – Launched in 2024, collateralized loans range from €100,000 to €1 million, secured by assets such as property, vehicles, or machinery.<ref name=”Collateral”/>

CapitalBox operates within the European SME funding gap, estimated at around €400 billion.<ref name=”NFTM”/> Its services are aimed at businesses underserved by traditional banks.

The company’s main differentiators include:

• Speed and Automation – Lending decisions and payouts can be completed in as little as 10 minutes through automated risk assessment systems.<ref name=”NFTM”/>
• Personalization and Flexibility – Financing solutions are tailored to each SME’s specific needs, accommodating unusual structures and industries.<ref name=”TFT”/>
• Digital-First Approach – Applications, credit scoring, and risk assessment are fully online, supported by data analytics and machine learning tools.<ref name=”NFTM”/>

CapitalBox is part of Multitude SE, a Helsinki-based fintech group listed on the Frankfurt Stock Exchange. Multitude owns several brands, including Ferratum (consumer lending) and Multitude Bank. Within this structure, CapitalBox functions as the group’s SME financing division.<ref name=”Multitude”/>

As of 2025, Mantvydas Štareika serves as Chief Executive Officer of CapitalBox. Under his leadership, the company launched secured loans, integrated invoice financing through the Omniveta acquisition, and introduced revolving credit lines for SMEs.<ref name=”NFTM”/>

CapitalBox has received generally positive customer feedback across European markets.

• In the Netherlands, CapitalBox Nederland holds a Trustpilot rating of 4.8/5 with more than 200 reviews, where clients praised professional support and fast service.<ref>Trustpilot. [https://nl.trustpilot.com/review/capitalbox.nl “CapitalBox Nederland Reviews”]. Retrieved 15 September 2025.</ref>
• In Sweden, CapitalBox Sverige is rated around 4.2/5 with 228 reviews, with customers noting responsiveness but some concerns over loan costs.<ref>Trustpilot. [https://ca.trustpilot.com/review/capitalbox.se “CapitalBox Sverige Reviews”]. Retrieved 15 September 2025.</ref>
• In Lithuania, CapitalBox Lietuva maintains a rating near 4/5 with reviewers citing professionalism and reliability.<ref>Trustpilot. [https://uk.trustpilot.com/review/capitalbox.lt “CapitalBox Lietuva Reviews”]. Retrieved 15 September 2025.</ref>

• The Fintech Times profiled CapitalBox in 2024, highlighting its mission to support SMEs overlooked by banks.<ref name=”TFT”/>
• AltFi and FinTech Futures reported on the acquisition of Spotcap Netherlands, describing it as a strategic expansion move.<ref name=”Spotcap”/>
• Nordic Fintech Magazine identified CapitalBox as an example of fintech innovation addressing the SME funding gap.<ref name=”NFTM”/>

CapitalBox has not widely publicized major awards, but its acquisitions and product innovations have been cited by industry media as evidence of its growing role in European SME lending.<ref name=”Spotcap”/>

• [[Multitude SE]]
• [[Fintech in Europe]]
• [[Small and medium-sized enterprise financing]]