Forget the future of finance.
This is your money, unlocked.

Life doesn’t pause. Neither should your finances.Unlock instant access to what’s already yours. Your car. Your bitcoin. Your value.

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Camboza fintech group in numbers

12 000+

Customers

100k+

Valuations

Companies

This is Camboza

We give you access to what’s already yours

We’re not a bank—we’re your asset partner. Whether it’s your car, your crypto, or any valuable you already own, Camboza turns it into the flexibility you need—fast, transparent, no hidden catches.

Built by fintech veterans and backed by top-tier investors, we’re on a mission to redefine personal finance in Europe.

Your assets. Your control. Your freedom.

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Docs

Borrow against what you own, not your future

Sweden’s household debt is rising—1 in 3 run a budget deficit and 1 in 6 face collection notices within eight months. At Tilio, we flip the model: borrow against what you own, not your future.

Break the debt spiral. On-demand liquidity means fewer emergency loans and lower interest outlays.

Secure borrowing. Your asset—never your income or credit record—serves as collateral.

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Automations

AI-Powered Valuations and smart LTV.

Your borrowing limit is set by AI-driven valuations of your assets—so at an average 68 % LTV, you keep over 30 % equity as a safety buffer.

Our proprietary AI valuation platform analyzes your car, crypto or any other asset in real time to deliver a precise, transparent loan offer—tailored just for you.

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GEMMAI INSIGHTS

Cloud
Los Angeles, CA

"Real time ricing with AI precision - GEMMAI envisions a future where uncertainty in secondary market transactions is a thing of the past. Our revolutionary approach leverages cutting-edge AI technology to foster a more sustainable and transparent ecosystem."

96%

Accuracy

With our AI valuations

80%

Saved

Time with AI valuations

100k

valuations

Perfomed in 1 year

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Pantlån.se

Göta Kredit

"Pantlån was born to disrupt a decades-old industry. We say “no thanks” to long waits and debt spirals—and “yes please” to on-demand digital valuations. No more waiting: get your asset priced in under 5 minutes.We free up your time and unlock new possibilities—so you get what you need, exactly when you need it. Zero hassle."

2023

founded

by serial entrepreneurs

12k+

customers

in Sweden

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Göta Kredit

"Göta Kredit gives individuals and businesses a secure, hassle-free car loan—no personal credit liability. Our seasoned team guides you every step of the way.It’s as simple as that: safer, smarter financing."

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GEMMAI
INSIGHTS

96%

Accurycy

With our AI valuations

100 k

Valuations

Performed

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Pantlån.se

2013

founded

by serial entrepreneurs

12 K

Customers

in Sweden

Visit site

Göta kredit

Göta Kredit

Visit site

Forget the future of finance.This is your money, unlocked.

Checky effortlessly connects with a myriad of tools, optimizing your workflow and enhancing collaboration for unparalleled productivity and efficiency.

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