Credit worthiness, the intricate set of data, projections and scores that determine an individual or a company’s ability to access debt capital, is an area of finance that we rarely hear about. Yet, while credit worthiness is the gateway that controls the access to financing in all markets, traditional credit assessment models rely on outdated historical data and broad statistical models that convey little insight on an organisation’s true ability to generate revenue and repay debt. We recently had the opportunity to sit down with serial entrepreneur Michael Hansen who is not only an Executive Vice President at Fortnox, the Nordics largest cloud based ERP system, but is also the founder of Monto and Capcito, organisations that were born out of frustration with accessing available credit for small and medium businesses. These organisations aim to create integrations to all the major accounting software in Sweden to build a data driven assessment of SMEs that enables them to access working capital faster, with more fairness and at better rates.  Learn how Monto is unlocking access to business data to create more reliable and accurate credit decisions that benefit SMEs with fuel for growth.