Nordic heritage. Global reach.
Nordic heritage.
Global reach.
Nordic heritage. Global reach.
Tiotio transforms how modern businesses raise capital and how lenders and investors deploy it - using smarter tools, clearer processes, and faster execution.
Tiotio transforms how modern businesses raise capital and how lenders and investors deploy it - using smarter tools, clearer processes, and faster execution.
Our Story
Our Story
Our journey commenced with the frustration of our founder, Jarno, a seasoned debt banker who recognized the pressing need for enhanced access and streamlined execution in the private capital markets globally.
Driven by the ambition to revolutionize the industry and elevate the processes for companies navigating debt financing situations and seeking access to liquidity. Jarno founded tiotio poised to set a new standard in the field.
Our journey commenced with the frustration of our founder, Jarno, a seasoned debt banker who recognized the pressing need for enhanced access and streamlined execution in the private capital markets globally.
Driven by the ambition to revolutionize the industry and elevate the processes for companies navigating debt financing situations and seeking access to liquidity. Jarno founded tiotio poised to set a new standard in the field.
The name "tiotio" is derived from the Swedish word for ten-ten, which represents the highest score on a scoring scale. It symbolizes our commitment to providing top-quality service and achieving the best possible outcome for your business
The name "tiotio" is derived from the Swedish word for ten-ten, which represents the highest score on a scoring scale. It symbolizes our commitment to providing top-quality service and achieving the best possible outcome for your business
Mission
Help clients to raise, and deploy capital efficiently.
Help clients to raise, and deploy capital efficiently.
Vision
Simplify financing, and amplify the success of our clients.
Simplify financing, and amplify the success of our clients.
Promise
Deliver clarity, confidence, and results in every funding journey.
Deliver clarity, confidence, and results in every funding journey.
Meet the team
Meet the team
ADVISORY SERVICES
ADVISORY SERVICES
Jarno Hepouro
Managing Director
Jarno, a seasoned corporate finance and capital-raising expert with nearly 20 years in banking and global private capital markets, serves as Tiotio’s CEO and Founder. He advances our business across advisory and technological domains. His deep insight into funding challenges delivers exceptional value to our clients internationally.
Jarno Hepouro
Managing Director
Jarno, a seasoned corporate finance and capital-raising expert with nearly 20 years in banking and global private capital markets, serves as Tiotio’s CEO and Founder. He advances our business across advisory and technological domains. His deep insight into funding challenges delivers exceptional value to our clients internationally.
Jarno Hepouro
Managing Director
Jarno, a seasoned corporate finance and capital-raising expert with nearly 20 years in banking and global private capital markets, serves as Tiotio’s CEO and Founder. He advances our business across advisory and technological domains. His deep insight into funding challenges delivers exceptional value to our clients internationally.
Michael Crosby
Senior Partner
Michael, a seasoned legal and corporate finance expert with over 25 years of experience, serves as a senior partner in the Middle East, driving our global fundraising initiatives. His expertise spans banking, private equity, alternative assets, and family offices, with notable roles at Clifford Chance, Proskauer, and Apex Group. He excels in structuring high-value transactions and delivering strategic governance advice.
Michael Crosby
Senior Partner
Michael, a seasoned legal and corporate finance expert with over 25 years of experience, serves as a senior partner in the Middle East, driving our global fundraising initiatives. His expertise spans banking, private equity, alternative assets, and family offices, with notable roles at Clifford Chance, Proskauer, and Apex Group. He excels in structuring high-value transactions and delivering strategic governance advice.
Michael Crosby
Senior Partner
Michael, a seasoned legal and corporate finance expert with over 25 years of experience, serves as a senior partner in the Middle East, driving our global fundraising initiatives. His expertise spans banking, private equity, alternative assets, and family offices, with notable roles at Clifford Chance, Proskauer, and Apex Group. He excels in structuring high-value transactions and delivering strategic governance advice.
Jennifer Davies
Senior Partner
Jennifer, a seasoned debt banking veteran with over 35 years of experience, serves as our senior partner. Her expertise in Debt Capital Markets Origination and Loan Syndications, honed at Nordea, Barclays, and Mizuho, drives strategic advisory services, delivering unparalleled value to our clients.
Jennifer Davies
Senior Partner
Jennifer, a seasoned debt banking veteran with over 35 years of experience, serves as our senior partner. Her expertise in Debt Capital Markets Origination and Loan Syndications, honed at Nordea, Barclays, and Mizuho, drives strategic advisory services, delivering unparalleled value to our clients.
Jennifer Davies
Senior Partner
Jennifer, a seasoned debt banking veteran with over 35 years of experience, serves as our senior partner. Her expertise in Debt Capital Markets Origination and Loan Syndications, honed at Nordea, Barclays, and Mizuho, drives strategic advisory services, delivering unparalleled value to our clients.
DIGITAL SOLUTIONS
DIGITAL SOLUTIONS
Synoverge
Development Partner
Synoverge, our trusted software development partner founded in 2010, drives global digital transformation and platform engineering. Their ISO-certified team of over 250 professionals delivers cutting-edge technical solutions worldwide. As a Microsoft Gold Partner, Synoverge ensures innovative, high-quality software for Tiotio and its clients.
Synoverge
Development Partner
Synoverge, our trusted software development partner founded in 2010, drives global digital transformation and platform engineering. Their ISO-certified team of over 250 professionals delivers cutting-edge technical solutions worldwide. As a Microsoft Gold Partner, Synoverge ensures innovative, high-quality software for Tiotio and its clients.
Synoverge
Development Partner
Synoverge, our trusted software development partner founded in 2010, drives global digital transformation and platform engineering. Their ISO-certified team of over 250 professionals delivers cutting-edge technical solutions worldwide. As a Microsoft Gold Partner, Synoverge ensures innovative, high-quality software for Tiotio and its clients.
Synoverge
Development Partner
Synoverge, our trusted software development partner founded in 2010, drives global digital transformation and platform engineering. Their ISO-certified team of over 250 professionals delivers cutting-edge technical solutions worldwide. As a Microsoft Gold Partner, Synoverge ensures innovative, high-quality software for Tiotio and its clients.
Santtu Parviainen
Product Owner
Santtu, an analytics expert and programmer, serves as our product owner, ensuring seamless software development. His expertise in data science, quantum information, and software engineering drives innovative technical solutions. Currently pursuing an MSc in Theoretical Physics, Santtu enhances our technical capabilities with his versatile skills and leads a team of software engineers.
Santtu Parviainen
Product Owner
Santtu, an analytics expert and programmer, serves as our product owner, ensuring seamless software development. His expertise in data science, quantum information, and software engineering drives innovative technical solutions. Currently pursuing an MSc in Theoretical Physics, Santtu enhances our technical capabilities with his versatile skills and leads a team of software engineers.
Santtu Parviainen
Product Owner
Santtu, an analytics expert and programmer, serves as our product owner, ensuring seamless software development. His expertise in data science, quantum information, and software engineering drives innovative technical solutions. Currently pursuing an MSc in Theoretical Physics, Santtu enhances our technical capabilities with his versatile skills and leads a team of software engineers.
Jennifer Davies
Senior Partner
Jennifer, a seasoned debt banking veteran with over 35 years of experience, serves as our senior partner. Her expertise in Debt Capital Markets Origination and Loan Syndications, honed at Nordea, Barclays, and Mizuho, drives strategic advisory services, delivering unparalleled value to our clients.
ADVISORY BOARD
ADVISORY BOARD
Aatos Heikkinen
Senior AI Advisor
Aatos, a PhD in computational physics with over 25 years of experience, serves as our senior AI advisor. He is a global AI pioneer with deep expertise in data science, AI, and analytics, honed at CERN, Hitachi, and CGI, among others. With over 100 publications and 130,000+ citations on Google Scholar, he enhances our digital capabilities.
Aatos Heikkinen
Senior AI Advisor
Aatos, a PhD in computational physics with over 25 years of experience, serves as our senior AI advisor. He is a global AI pioneer with deep expertise in data science, AI, and analytics, honed at CERN, Hitachi, and CGI, among others. With over 100 publications and 130,000+ citations on Google Scholar, he enhances our digital capabilities.
Aatos Heikkinen
Senior AI Advisor
Aatos, a PhD in computational physics with over 25 years of experience, serves as our senior AI advisor. He is a global AI pioneer with deep expertise in data science, AI, and analytics, honed at CERN, Hitachi, and CGI, among others. With over 100 publications and 130,000+ citations on Google Scholar, he enhances our digital capabilities.
Marcus Smedman
Senior Tech Advisor
Marcus, a seasoned tech leader with over 25 years of experience, serves as our senior tech adviser, advancing our digital solutions. As former CTO of a listed gaming company Kindred Group and founder and entrepreneur, he provides deep expertise driving innovative technological advancements for our business.
Marcus Smedman
Senior Tech Advisor
Marcus, a seasoned tech leader with over 25 years of experience, serves as our senior tech adviser, advancing our digital solutions. As former CTO of a listed gaming company Kindred Group and founder and entrepreneur, he provides deep expertise driving innovative technological advancements for our business.
Marcus Smedman
Senior Tech Advisor
Marcus, a seasoned tech leader with over 25 years of experience, serves as our senior tech adviser, advancing our digital solutions. As former CTO of a listed gaming company Kindred Group and founder and entrepreneur, he provides deep expertise driving innovative technological advancements for our business.
Monika Liikamaa
Senior Business Advisor
Monika serves as Co-CEO, Co-Founder, and Chair of the Nordic payment service provider Enfuce. Her visionary thinking and over 20 years of experience in the fast-paced payment industry have driven Enfuce’s exceptional growth. She now offers deep expertise in scaling digital growth businesses on global stages.
Monika Liikamaa
Senior Business Advisor
Monika serves as Co-CEO, Co-Founder, and Chair of the Nordic payment service provider Enfuce. Her visionary thinking and over 20 years of experience in the fast-paced payment industry have driven Enfuce’s exceptional growth. She now offers deep expertise in scaling digital growth businesses on global stages.
Monika Liikamaa
Senior Business Advisor
Monika serves as Co-CEO, Co-Founder, and Chair of the Nordic payment service provider Enfuce. Her visionary thinking and over 20 years of experience in the fast-paced payment industry have driven Enfuce’s exceptional growth. She now offers deep expertise in scaling digital growth businesses on global stages.
Knowledge hub
Knowledge hub
“All companies deserve an easier financing process, and we will not stop until our offering has reached all of them”
Jarno Hepouro
tiotio CEO
Work with experts. Access capital. Close with confidence.
All rights reserved 2025 | tiotio.
Work with experts. Access capital. Close with confidence.
All rights reserved 2025 | tiotio.
Work with experts. Access capital. Close with confidence.
All rights reserved 2025 | tiotio.