Kiho

Kiho is a Finnish vertical SaaS company for mobile-workforce industries (earthworks, property maintenance, network construction, forestry). It sells a modular fleet + fieldwork platform (time tracking, driver logs, telematics, tasks, invoicing, BI) that integrates into customers' accounting/ERP systems. It is majority employee-owned and has spent the last two years expanding beyond Finland into DE/SE/US. There is no evidence of any embedded finance product — Kiho is a pure vertical SaaS, and the only 'financial' surface is a Sales Invoice Interface that hands invoice data to third-party Finnish accounting systems.