Simplified
Simplified
Simplified
debt
equity
debt
equity
debt
equity
financing
financing
financing
for
for
for
small
medium
large
small
medium
large
small
medium
large
size
size
size
businesses
businesses
businesses
Tiotio’s digitally powered advisory business helps €5M+ revenue companies secure funding faster, with less effort
Tiotio’s digitally powered advisory business helps €5M+ revenue companies secure funding faster, with less effort
Our services
Our services
We simplify your capital-raising process. As an independent advisory firm, Tiotio delivers tailored solutions to meet your funding needs.
We simplify your capital-raising process. As an independent advisory firm, Tiotio delivers tailored solutions to meet your funding needs.
Tiotio for Companies
Secure tailored financing for liquidity, scaling, restructuring, stability, or efficiency purposes - faster, simpler, with expert guidance every step.
Secure tailored financing for liquidity, scaling, restructuring, stability, or efficiency purposes - faster, simpler, with expert guidance every step.
Tiotio for Lenders
Discover vetted borrowers and gain visibility through a transparent, efficient process designed to reduce friction and accelerate decisions.
Discover vetted borrowers and gain visibility through a transparent, efficient process designed to reduce friction and accelerate decisions.
Tiotio for Lawyers
Unlock qualified opportunities with Tiotio’s streamlined, transparent process, minimizing friction and accelerating legal documentation.
Unlock qualified opportunities with Tiotio’s streamlined, transparent process, minimizing friction and accelerating legal documentation.
Tiotio for Partners
Need extra capacity for capital-raising opportunities? Whether you’re a Limited Partner, General Partner, or Investor, Tiotio tailors solutions to your needs.
Need extra capacity for capital-raising opportunities? Whether you’re a Limited Partner, General Partner, or Investor, Tiotio tailors solutions to your needs.
Selected client comments.
REAL ESTATE
Asset Sales
Equity
As our long-standing house bank’s financing approached maturity, we sought market alternatives and, with Tiotio’s professional guidance, efficiently explored a structured range of options. We couldn’t be more happy with the successful outcome.
Luis, Executive
GROWTH COMPANY
Advisory Board
Advisor
Our mission is to help companies thrive in NATO markets, and we’ve been privileged to have Jarno as an advisory board member from the start. His extensive financial market and entrepreneurial expertise and strategic guidance have been crucial to our success.
Harri, Co-Founder
REAL ESTATE
Refinancing
Debt
To enhance our asset sales process, we turned to Tiotio, whose extensive international investor network provided invaluable support. We are eager to continue our collaboration with them.
Juhani, CEO
SME
Growth Financing
Debt
With Tiotio’s professional and invaluable support, we secured a better outcome from lender discussions than we could have achieved alone. Having a well-connected and structured partner like Jarno, who consistently goes the extra mile, is greatly appreciated.
Patrik, CFO
SME
Leasing Financing
Debt
Jarno is always just a phone call away, a true dealmaker who focuses on securing the best market solutions for us. Working with such professional people is always a pleasure.
Eero, Executive
PRIVATE EQUITY
Acquisition Financing
Debt
Jarno and Tiotio were invaluable strategic partners, delivering immense value to our acquisition execution from day one. Their clear leadership and ownership of the transaction ensured outstanding results, and we look forward to many successful collaborations in the future.
Andy, Managing Partner
CORPORATE
Carve-Out
Equity
Tiotio’s highly professional and efficient approach ensured swift engagement with relevant buyers, bringing them to the table in no time. Jarno was consistently accessible, a pleasure to work with, and a trusted partner we are happy to recommend.
David, CEO
INFRASTRUCTURE
Project Financing
Equity
Debt
Tiotio was far more than a strategic advisor in our capital-raising process; they were a true partner. Their dedicated team went above and beyond to deliver tailored solutions that perfectly met our needs, driving exceptional value for our project.
Miika, Chairman
Selected client comments.
REAL ESTATE
Asset Sales
Equity
As our long-standing house bank’s financing approached maturity, we sought market alternatives and, with Tiotio’s professional guidance, efficiently explored a structured range of options. We couldn’t be more happy with the successful outcome.
Luis, Executive
GROWTH COMPANY
Advisory Board
Advisor
Our mission is to help companies thrive in NATO markets, and we’ve been privileged to have Jarno as an advisory board member from the start. His extensive financial market and entrepreneurial expertise and strategic guidance have been crucial to our success.
Harri, Co-Founder
REAL ESTATE
Refinancing
Debt
To enhance our asset sales process, we turned to Tiotio, whose extensive international investor network provided invaluable support. We are eager to continue our collaboration with them.
Juhani, CEO
SME
Growth Financing
Debt
With Tiotio’s professional and invaluable support, we secured a better outcome from lender discussions than we could have achieved alone. Having a well-connected and structured partner like Jarno, who consistently goes the extra mile, is greatly appreciated.
Patrik, CFO
SME
Leasing Financing
Debt
Jarno is always just a phone call away, a true dealmaker who focuses on securing the best market solutions for us. Working with such professional people is always a pleasure.
Eero, Executive
PRIVATE EQUITY
Acquisition Financing
Debt
Jarno and Tiotio were invaluable strategic partners, delivering immense value to our acquisition execution from day one. Their clear leadership and ownership of the transaction ensured outstanding results, and we look forward to many successful collaborations in the future.
Andy, Managing Partner
CORPORATE
Carve-Out
Equity
Tiotio’s highly professional and efficient approach ensured swift engagement with relevant buyers, bringing them to the table in no time. Jarno was consistently accessible, a pleasure to work with, and a trusted partner we are happy to recommend.
David, CEO
INFRASTRUCTURE
Project Financing
Equity
Debt
Tiotio was far more than a strategic advisor in our capital-raising process; they were a true partner. Their dedicated team went above and beyond to deliver tailored solutions that perfectly met our needs, driving exceptional value for our project.
Miika, Chairman
Selected client comments.
REAL ESTATE
Asset Sales
Equity
As our long-standing house bank’s financing approached maturity, we sought market alternatives and, with Tiotio’s professional guidance, efficiently explored a structured range of options. We couldn’t be more happy with the successful outcome.
Luis, Executive
REAL ESTATE
Asset Sales
Equity
As our long-standing house bank’s financing approached maturity, we sought market alternatives and, with Tiotio’s professional guidance, efficiently explored a structured range of options. We couldn’t be more happy with the successful outcome.
Luis, Executive
REAL ESTATE
Asset Sales
Equity
As our long-standing house bank’s financing approached maturity, we sought market alternatives and, with Tiotio’s professional guidance, efficiently explored a structured range of options. We couldn’t be more happy with the successful outcome.
Luis, Executive
REAL ESTATE
Asset Sales
Equity
As our long-standing house bank’s financing approached maturity, we sought market alternatives and, with Tiotio’s professional guidance, efficiently explored a structured range of options. We couldn’t be more happy with the successful outcome.
Luis, Executive
We are a growing business with big ambitions
We are a growing business with big ambitions
Our founder, Jarno, a seasoned banker, launched Tiotio to address inefficiencies in private capital markets. Frustrated by slow, opaque processes, he aimed to unlock speed, transparency, and liquidity. Tiotio revolutionizes capital raising, setting a new standard for companies and stakeholders seeking efficient funding solutions.
Our founder, Jarno, a seasoned banker, launched Tiotio to address inefficiencies in private capital markets. Frustrated by slow, opaque processes, he aimed to unlock speed, transparency, and liquidity. Tiotio revolutionizes capital raising, setting a new standard for companies and stakeholders seeking efficient funding solutions.
Our digital solution simplifies your access to the right funding.
Our digital solution simplifies your access to the right funding.
On a growth path? Need capital for short- or long-term goals? Tiotio connects key stakeholders, streamlines processes, and speeds up results. We help profitable businesses to secure capital smoothly.
On a growth path? Need capital for short- or long-term goals? Tiotio connects key stakeholders, streamlines processes, and speeds up results. We help profitable businesses to secure capital smoothly.
Expansion and Growth
Supports scaling operations, entering new markets, launching products or funds, or acquiring assets/companies. This financing fuels ambitious growth strategies, enabling businesses to seize market opportunities and strengthen their competitive position.
Refinancing and restructuring
Replaces existing debt with new debt at better terms to reduce costs or improve cash flow. It optimizes financial obligations, freeing resources for strategic investments or operational needs.
Working Capital
Funds daily operations like payroll, inventory, or rent to ensure business continuity. It provides liquidity to cover short-term expenses, maintaining stability during revenue fluctuations
Balance Sheet Strengthening
Improves financial health by reducing leverage, funding losses, or attracting talent/partnerships without repayment obligations. This enhances creditworthiness and investor confidence, fostering long-term sustainability and strategic alliances.
Expert-Led Strategic Advisory
We guide high-value, high-stakes capital raises with deep financial expertise, tailored to each client’s goals across the Nordics and beyond.
Digital Workflow
Our platform centralizes documentation, communication, and approvals—saving time and minimizing friction.
Efficient dealflow for lenders
Banks, funds, and institutional lenders gain deal transparency, reduced complexity, and faster execution through our platform.
Optimal for business
Optimal for business
Headquartered in
The Nordics
Headquartered in
The Nordics
Headquartered in
The Nordics
Annual turnover
€5 Mil or more
Annual turnover
€5 Mil or more
Annual turnover
€5 Mil or more
Established and Profitable operations
Established and Profitable operations
Established and Profitable operations
Our approach
Growth Driven
Our approach
Growth Driven
Our approach
Growth Driven
Apply with Ease.
Access Capital Faster.
Apply with Ease.
Access Capital Faster.
1. Prepare
Prepare materials and launch your transaction swiftly to a broader market with confidence at one go.
2. Execute
Connect with financiers and negotiate terms clearly and confidently.
3. Close
Complete documentation efficiently and secure funding with confidence.
Greater efficiency
Greater efficiency
Greater efficiency
reputable financiers globally
reputable financiers globally
reputable financiers globally
better outcome
better outcome
better outcome
Revenues
Revenues
15%
15%
Increase compared to last week
Increase compared to last week
Revenues report
Revenues report
Lost deals
Lost deals
4%
4%
You closed 96 out of 100 deals
You closed 96 out of 100 deals
All deals
All deals
Quarter goal
84%
All goals
Quarter goal
84%
All goals
Quarter goal
84%
All goals
Navigate uncertainty. Maximise outcomes.
Navigate uncertainty. Maximise outcomes.
As independent advisers, we help clients raise capital, refinance, and explore alternative and structured finance options to optimise processes, terms, and minimize risk. Leveraging our experts' in-depth knowledge and insights across capital structures, we ensure tailored solutions for each client's unique needs. Timing is everything. Please leave us an early heads up to secure a spot in advance.” to "As independent advisers, we assist clients in raising capital, refinancing, and exploring alternative and structured finance options to optimize processes, terms, and minimize risks. Drawing on our experts’ deep knowledge and insights across capital structures, we deliver tailored solutions for each client’s unique needs. Timing is critical. Contact us early to reserve your spot in advance
As independent advisers, we help clients raise capital, refinance, and explore alternative and structured finance options to optimise processes, terms, and minimize risk. Leveraging our experts' in-depth knowledge and insights across capital structures, we ensure tailored solutions for each client's unique needs. Timing is everything. Please leave us an early heads up to secure a spot in advance.” to "As independent advisers, we assist clients in raising capital, refinancing, and exploring alternative and structured finance options to optimize processes, terms, and minimize risks. Drawing on our experts’ deep knowledge and insights across capital structures, we deliver tailored solutions for each client’s unique needs. Timing is critical. Contact us early to reserve your spot in advance
Knowledge hub
Knowledge hub
Work with experts. Access capital. Close with confidence.
Financing simplified, success magnified.
All rights reserved 2025 | TioTio.
Cookie Preference
Work with experts. Access capital. Close with confidence.
Financing simplified, success magnified.
All rights reserved 2025 | TioTio.
Cookie Preference
Work with experts. Access capital. Close with confidence.
Financing simplified, success magnified.
All rights reserved 2025 | TioTio.
Cookie Preference