About Nicolai Chamizo

Nicolai Chamizo, a former professional ice hockey player turned financial expert, is the founder and CEO of Incore Invest. His unique journey from sports to finance embodies a blend of discipline, strategic thinking, and entrepreneurial spirit. At Incore Invest, Nicolai leverages his diverse experience and deep industry knowledge to drive the company’s focus on early-stage tech and fintech investments.

Education: BSc in Business & Economics, Stockholm University

Nicolai Chamizo has an unconventional background for an investor: He spent much of his early twenties playing professional ice hockey in Sweden and the US before eventually developing an interest in the financial sector. Before choosing a more entrepreneurial path, he began his professional career at one of Sweden’s largest banks. He found that much of the value he could create in the ecosystem hailed from connecting other entrepreneurs with well-funded business angels, earning shares in exciting startups in return. What started with connecting contacts in his network for their mutual benefit soon became a full-time passion – he started his own investment company, A Group of Friends. The venture was a success, with its profits recently distributed to investors.

The Inception of Incore Invest

Nicolai’s career took a significant turn with the establishment of Incore Invest, founded with notable industry experts like Magnus Mivér (former partner at ABG Sundal Collier), Martin Larsson (former partner at Stella Capital Advisors), Jonas Mårtensson (CEO of Mojang), and Lena Hackelöer (founder of Brite Payments and senior alumni of Klarna). Incore Invest is renowned for focusing on early-stage tech investments, particularly fintech. Incore led one of Brite’s early investment rounds and has since remained an active investor. Shortly after, additional investments into the trading platform Savr and the spend management system Mynt followed.

Incore’s Investment Strategy and Nicolai’s Role

Incore Invest is driven to cultivate the next Swedish unicorn in the fintech sector. The company is proactive in scouting new investment opportunities, aiming to complement its existing portfolio with new ventures. One of its significant early investments, Brite, highlights Incore’s commitment to innovation in open banking and its potential to disrupt traditional card payment systems. Nicolai’s leadership as the chairman of Brite underscores his belief in the company’s capacity to lead the European market and beyond.

Nicolai Chamizo

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Our portfolio

Brite Payments is a fast-growing second-generation challenger in the European payment space. Allowing consumers to make payments using their bank account, Brite employs state-of-the-art open banking technology to process instant payments across Europe across a wide range of verticals. With connections to many of the continent’s largest banks, consumers and merchants receive their funds instantly, making online payments safer and more convenient than ever. Brite was founded and led by an experienced team of FinTech executives from the likes of Klarna, Qliro, Trustly and iZettle, to name a few.

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Mynt is a Swedish fintech offering smart company cards that simplifies expense management. Hand out a Mynt card to everybody in the company and set individual spending limits to each person, giving the CFO control over the company’s spend in real time. With full integration to the accounting system, users save both time and money by automating expense management and sending all receipts straight into the accounting system. Mynt is building smart solutions around all corporate spend that makes everyday business life easier.

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SAVR is a disruptive marketplace for savings with the ambition to create transparency and improved experiences for long-term savers. SAVR offer a fund and pension saving platform without high commission and distribution fees. On average customers pay half the fund fee compared to investments through other banks and saving services. All commissions are fully refunded to customers.

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Kameo is an investment platform that offers attractive investment opportunities for everyone. Kameo’s platform connects more than 65,000 retail and institutional investors with Scandinavian real estate developers and companies. Since its inception in 2016, Kameo has facilitated over 1,000 loans, accumulating a total value of over SEK 5 billion. The average net return for investors has been more than 9 percent annually. Kameo employs a team of 30 professionals across its offices in Stockholm, Oslo, and Copenhagen. ABG Sundal Collier and Incore Invest are strategic owners in the company.

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