Tot is an online platform for company administrative and financial management that offers a business account with an Italian IBAN, payment and collection services, physical and virtual cards, integrated administrative tools, and collaborative team expense-management features with security controls. The company targets SMEs and professionals and aims to become the Italian fintech champion in banking and administrative management for that segment. Tot plans to develop new products and features in administration, expense management, and financial optimisation while increasing investment in AI to boost efficiency and automation. The funding will also support expanded automation for clients and improved internal processes to further simplify administrative and financial tasks. Tot intends a significant team expansion, hiring across technology, product management, marketing, sales, customer success, and compliance. The company is targeting over 40,000 clients within two years and plans to grow its team to more than 100 employees; CEO Doris Messina cites Tot's strong Italian identity and deep understanding of the domestic market as differentiators. Tot is a Milan-based fintech platform founded in 2020 that aims to digitize administrative and financial management for professionals, freelancers, and microenterprises. Its product is designed to accompany self-employed professionals and small business owners through business-management phases, connecting them digitally with accountants, banks, customers and suppliers. Founders include Doris Messina (CEO and current Chief Digital Transformation Officer of Banca Sella), Bruno Reggiani, and Andrea Susta, who bring banking and digital marketing experience. The company targets Italy's large underserved segment—over 821k micro enterprises and more than 5 million self-employed workers—with tools to monitor expenditure, collections, earnings and tax provisions. Tot closed a €2 million seed round led by Banca Sella ahead of a planned market entry in Italy in early 2022 and intends to use the funding to expand across Europe. The platform's mission is to free up small businesses' time and give them access to advanced administration and planning resources to improve competitiveness and support local economies.

Total raised

$10M

Funding rounds

2

Latest round

Series A

Latest activity

Sep 2025