DBT Capital

DBT Capital AB is a specialized finance company focused on the Swedish market for small and medium-sized enterprise (SME) lending. Established in 2017 by co-founders Alexis Kopylov and Jonas Olof Engwall, the firm was created to address a perceived gap in the availability of growth financing for this crucial economic segment. Kopylov, who serves as CEO, drew upon his experience as a strategy consultant to identify the need for more flexible and accessible capital for SMEs. His background includes a Master's in Economics and Business from the Stockholm School of Economics and a partnership at a management consultancy, providing a foundation in strategic management and financial analysis. Engwall has a history of entrepreneurship, having also founded Skruf Snus AB.

The company's operational core is a proprietary business analysis and intelligence platform that leverages real-time data to inform credit decisions. This technology-driven approach allows for a more efficient underwriting process, enabling the firm to offer tailored debt solutions ranging from SEK 3 million to 35 million. The business model is designed to supplement traditional banking services, providing loans to support growth, innovation, and sustainability investments among Swedish companies. Revenue is generated through these lending activities. Since its inception, DBT Capital has provided over SEK 3 billion in financing to more than 300 SMEs.

DBT Capital has secured significant financial backing to support its lending capacity. The company has engaged in multiple debt and equity funding rounds, attracting capital from investors such as NatWest, Värde Partners, Öresund, and Öhman AB. It has also established multiple guarantee agreements with the European Investment Fund (EIF), which enhances its ability to lend to high-growth companies focused on digitalisation, innovation, and sustainability. These strategic partnerships underscore the firm's position within the European financial ecosystem. In 2023, the company further strengthened its board with the addition of Michael Wolf, former CEO of Swedbank, who also became an investor.

Keywords: SME lending, corporate finance, debt financing, fintech, Swedish business loans, growth capital, credit intelligence, business loans Sweden, alternative lending, financial services, scale-up financing, tech-enabled lending, real-time data analysis, European Investment Fund, NatWest, Värde Partners, Alexis Kopylov, Jonas Engwall, SME growth, corporate credit, specialized finance, debt solutions