We are a team of experts and entrepreneurs. We spent years in the financial industry and in the startup ecosystem of Europe. Through the years we have seen startups fail and succeed — and one determining factor of their fate has been repeatedly their access to capital. A good idea, a good team or the right timing are important determinant of the success rate, but if there is no fuel in the form of capital and cash flow, no matter how great the idea, the company will fail. Startups and companies often turn to angel investors, venture funds or accelerators to supply growth, however for this they would have to give up large chunks of ownership of their companies, chunks that could be worth a lot more with time. On the other hand, investors wouldn’t provide capital unless there is market validation in the form of paying customers. Applying for loans at commercial banks is tough. The application process takes months and approval rates are low. Personal guarantees, collaterals, securities, and additional fees apply. All these forms of financing don’t support the growth trajectory of an early business — they come with too many terms and conditions, restrictions and legal mumbo-jumbo. Our solution: Kvikk. With our network of investors, we raised a small fund that enables us to discover and fund promising early businesses — and work with them on the long term. With public and private data banks we built a machine learning based assessment algorythm that classifies businesses based on data retrieved through commercial, payment and analytics APIs.