Does Stacc use AI in its credit platform?

Yes. Stacc takes a credit-native AI approach: the credit decision stays deterministic, governed by explicit rules, while AI plugs in everywhere it adds value — conversational applications via voice or chat (Deterministic Agentic Lending), document intelligence with attribution-first tracing (Verifiable Document AI), and automated scenario modelling against the bank's credit rules (Route-to-Yes). Banks can plug any AI model into the decision process through self-serve, no-code interfaces.

What is credit-native AI?

Credit-native AI is Stacc's framing for AI in lending: AI assists credit decisions rather than making them autonomously. Decisions remain explicit and auditable — the bank can show exactly which rules produced any outcome. Credit logic stays independent of specific AI models, so models can be updated without rebuilding the system.

Which financial institutions use Stacc?

Stacc powers 115+ financial institutions across the Nordics and Europe, including DNB, SBAB, Eika Gruppen (50+ Norwegian local banks), Aprila Bank, Bane NOR, Alphabet Denmark, and Autolease. Stacc has 200+ employees (70% software developers), 324 MNOK revenue in 2025 with 9.4% EBITDA margin, 42% revenue CAGR since 2016, and 45% of revenue outside Norway. Gartner Sample Vendor for Credit Decision Engines (2025).

Is Stacc compliant with the EU AI Act?

Yes. Stacc's credit-native AI architecture meets EU AI Act explainability requirements: credit decisions stay deterministic, every AI-assisted step is logged, and credit logic is independent of specific AI models. Stacc is ISO 27001:2022, SOC 2 Type 2, and ISO/IEC 9001:2015 certified, with EU/EEA data storage and built-in compliance for GDPR, DORA, and NIS 2.

What is asset finance software?

Asset finance software manages the complete lifecycle of financing for vehicles, equipment, and other assets. It handles origination, credit decisions, contract generation, invoicing, and servicing. Stacc's modular suite covers automotive finance, equipment leasing, and fleet management.

How does automotive finance automation work?

Stacc automates the car finance process from dealer quote to customer delivery. The system generates offers in minutes, runs automated credit checks with KYC integration, calculates taxes automatically, supports digital signing, and handles invoicing and contract administration.

Can the software integrate with dealer systems?

Yes, Stacc Commerce provides point-of-sale quoting software that integrates with dealer management systems. The API-native architecture enables real-time credit decisions at the point of sale, streamlining the customer financing experience.

Asset Finance Suite

Discover the power of our modular, end-to-end Asset Finance Software

Stacc Asset Finance Suite is a flexible and scalable software platform designed to manage the entire lifecycle of asset finance within mobility solutions and equipment. The suite handles every asset from vehicles to hardware, and provides leasing, loan, and hire purchases of all assets.

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Asset Finance Suite

Discover the power of our modular, end-to-end Asset Finance Software

Request a Demo

Asset Finance Suite

Discover the power of our modular, end-to-end Asset Finance Software

Request a Demo

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Product areas

Leasing, loans & hire purchase of cars and equipment in a scalable SaaS platform

Screenshot of our asset finance solutions showing the full overview of contracts and invoices

95% process automation

Automate 95%+ of workflows with optimised task sequencing, extensive calculation library, pre-built integrations, document generation, and intelligent processing. Eliminate repeated data entry and enable straight‑through processing for faster, error‑free operations.

95% process automation

4-7x operational effiency

Boost efficiency across the full asset finance lifecycle - achieving 4-5× faster contracting, 5-7× faster credit underwriting, and saving up to 40 minutes per vehicle in delivery handling. Reduce IT overhead by consolidating 80+ legacy systems into just 3 API‑based products.

4-7x operational effiency

3x commercial boost

Grow contract volumes with increased sales reach, faster quoting, and rapid Time‑to‑Yes journeys. Customers report up to 300% more contracts with the same staff - climbing into Top 3 market positions within 12 months while reducing support centre demand.

3x commercial boost

1-click audit trail

Simplify compliance with a complete, one‑click audit trail. Instantly generate reports detailing every step in a case - who did what, when, and what third‑party data was retrieved - ensuring full regulatory readiness.

1-click audit trail

Asset Finance for Cars

Revolutionise Vehicle Financing with a modular software platform

Agile software platform for managing loans, hire purchases, and vehicle leasing agreements. Customise workflows, gain real-time insights, and high efficiency to ensure high performance.

Asset Finance for Cars

Revolutionise Vehicle Financing with a modular software platform

Agile software platform for managing loans, hire purchases, and vehicle leasing agreements. Customise workflows, gain real-time insights, and high efficiency to ensure high performance.

Asset Finance for Equipment

Streamline Equipment Financing with a powerfull end-to-end solution

Cutting-edge software platform engineered to streamline equipment loan and leasing agreements. Customize workflows, access real-time analytics, and optimise efficiency.

Asset Finance for Equipment

Streamline Equipment Financing with a powerfull end-to-end solution

Cutting-edge software platform engineered to streamline equipment loan and leasing agreements. Customize workflows, access real-time analytics, and optimise efficiency.

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Explore Stacc Asset Finance Suite solutions

Car configuration

Allow customers to configure all car brands, models, engines, standard equipment, additional options, colors, pictures, and prices, in a self-serve portal. We support advanced filtering of equipment which means you can fully customize your own car.

Car subscription

Allow customers to subscribe to a car via your website. Create packages with services and different lock-in periods and add additional services such as insurance, roadside assistance, tire agreement, maintenance and servcice to the subscription price.

Car leasing

Offer a wide variety of leasing, both financial and operational leasing across equipment and other assets, as well as cars. Explore new business ventures with a highly automated and compliant leasing software module.

Sales portals

Ensure a seamless digital experience for your customers with intuitive design, self-service portals, performance insights, and more - all in a sales portal branded to your existing visual environment. Fully integrated with a golden standard quoting engine.

Fleet Management

Stacc Fleet Management supports the complete lifecycle management of a car fleet, including frame agreements, automated workflows, and partner integrations.

You know your domain well and are a true partner in developing our business going forward.

100% Excellent/Good rating on innovation among Stacc Asset Finance respondents (2025 survey)

You know your domain well and are a true partner in developing our business going forward.

100% Excellent/Good rating on innovation among Stacc Asset Finance respondents (2025 survey)

Optimise every stage of your lifecycle management with Stacc Asset Finance

Asset configuration

Seamless customisation and configuration of all types of assets through extensive vehicle and equipment catalogues.

Manage all types of assets in a detailed product catalogue that includes extensive pricing details, images, add-ons, and much more. Whether updated automatically or manually, you can accelerate your workflows from offer creation to contract finalisation.

Lead generation & Offer creation

We have integrated a range of industry sales channels for swift lead generation and offer initiation.

All calculations are automated. Simply choose the asset type and the terms for leasing or loans, and receive an offer in under two minutes. Enable your customers to get pricing independently through customized or plug-and-play solutions, or assist them directly in a personal sales scenario.

Automated credit process

Integrated KYC process for enhanced customer onboarding and credit assessment.

Our platform enhances credit scoring accuracy and speed through automated checks, minimizing manual effort and optimizing your workflow for the best customer experience. Our software integrates seamlessly with top providers of financial insights for both personal and business contexts.

Lifecycle management, Invoicing, Reporting & Accounting

Experience seamless lifecycle management with invoicing and accounting, optimizing your business operations from contract inception to retirement.

Our solution streamlines every stage, enhancing efficiency and cost-effectiveness. With precise invoicing and robust accounting functionalities, you can manage financial flows effortlessly and maintain impeccable financial records. Elevate your decision-making with detailed, transparent reporting that keeps you informed and ahead in the game.

Releasing & Termination

End or continue customer agreements easily without revisiting the entire process.

We have streamlined the process of reactivating leasing agreements, ensuring they automatically update to reflect the latest tax laws and legislative rules. This feature simplifies compliance and reduces the administrative burden, so your customers can continue without any hassle.

Current vs what-could-be

Check your current setup versus Stacc Asset Finance Suite

Focus area	Your current setup	Stacc Asset Finance Suite
Usage dept	Are you using atleast 90% of the features you pay for?	Is modular, and allows you to add onto – or subtract from – the platform as you feel is necessary.
Native connectivity	Is your current system integrating seamlessly with your native tech-stack?	Integrates seamlessly with your current tech-stack through APIs.
Transparent pricing	Does your current setup allow for easy prediction of future spending?	Is based on a contract that allows for predictable, subscription based pricing.
Support	Is support reliable and trustworthy with your current setup?	Is backed by our in-house consultants and developers, allowing for support by phone, email, or on-site.
Scalability	Is your current solution holding you back from scaling your business?	Is limitless, and can handle an unlimited number of users, cases, and application.

Focus area	Your current setup	Stacc Asset Finance Suite
Usage dept	Are you using atleast 90% of the features you pay for?	Is modular, and allows you to add onto – or subtract from – the platform as you feel is necessary.
Native connectivity	Is your current system integrating seamlessly with your native tech-stack?	Integrates seamlessly with your current tech-stack through APIs.
Transparent pricing	Does your current setup allow for easy prediction of future spending?	Is based on a contract that allows for predictable, subscription based pricing.
Support	Is support reliable and trustworthy with your current setup?	Is backed by our in-house consultants and developers, allowing for support by phone, email, or on-site.
Scalability	Is your current solution holding you back from scaling your business?	Is limitless, and can handle an unlimited number of users, cases, and application.

Focus area	Your current setup	Stacc Asset Finance Suite
Usage dept	Are you using atleast 90% of the features you pay for?	Is modular, and allows you to add onto – or subtract from – the platform as you feel is necessary.
Native connectivity	Is your current system integrating seamlessly with your native tech-stack?	Integrates seamlessly with your current tech-stack through APIs.
Transparent pricing	Does your current setup allow for easy prediction of future spending?	Is based on a contract that allows for predictable, subscription based pricing.
Support	Is support reliable and trustworthy with your current setup?	Is backed by our in-house consultants and developers, allowing for support by phone, email, or on-site.
Scalability	Is your current solution holding you back from scaling your business?	Is limitless, and can handle an unlimited number of users, cases, and application.

Cloud based solutions

Seamless data flow in the cloud

Our integrated solutions ensure seamless automatic updates, state-of-the-art security and compliance, effortless scalability, and unmatched accessibility in the cloud.

All interfaces are designed as web applications, providing a comprehensive point-of-sales platform integrated with process and backend solutions. This enables a complete end-to-end solution through our ERP platform.

Nordic coverage

Denmark, Norway, Sweden & Finland

We deliver on a Nordic scale with a local focus, enabling us to deliver tailored solutions that meet country specific requirements.

While we operate internationally, we pride ourselves on our ability to adapt our advanced software to conform with local regulations and fiscal policies. This approach not only ensures compliance but also enhances operational efficiency.

Domain Experts

The best knowledge and know-how from industry specialists

As industry experts, we ensure that complex calculations are executed accurately and comply with country-specific regulations through our advanced software.

Whether it's vehicle tax, VAT, or environmental taxes, our tool simplifies your fiscal responsibilities. It integrates smoothly into your value chain and optimizes internal processes.

We cover every aspect

Expert solutions from ideation to delivery to ensure one-shop benefits

We cover all aspects of software development, from initial ideation to final delivery.

Our team, comprising UX designers, project managers, developers, and more, leverages extensive experience to tailor solutions for small businesses to financial enterprises. We ensure efficiency, innovation, and client satisfaction, delivering robust software that meets the dynamic needs of the industry.

Why Stacc?

A world-class Asset Finance suite

Asset finance and credit expertise from the Nordics

Intelligent automation for asset finance

Cloud-native and composable platform

Trusted partner for the future of mobility and financing

Quality consistency and compliance

Explore how we limit risk and build speed →

Benefit from the insights of 200+ credit and tech experts with more than 40 years of domain experience - including 25 years serving the advanced needs of asset finance.

Our specialists bring deep asset finance knowledge of complex calculations, country-specific regulations, and the operational excellence that comes from working in a high-cost, highly regulated Nordic market.

Why Stacc?

A world-class Asset Finance suite

Asset finance and credit expertise from the Nordics

Intelligent automation for asset finance

Cloud-native and composable platform

Trusted partner for the future of mobility and financing

Quality consistency and compliance

Explore how we limit risk and build speed →

Benefit from the insights of 200+ credit and tech experts with more than 40 years of domain experience - including 25 years serving the advanced needs of asset finance.

Key features

Deep asset finance funtionality

We have everything you need to streamline asset finance quoting, origination, servicing and more.

Sales Channels

Car Configuration

Decision Simulation

Service Catalogue

Engage customers and partners with branded, self-service sales portals that guide users from vehicle comparison, virtual test drives and selection, streamlined, and always online car sales. Manage omni-channel sales across vendor portals, direct, fleet portal, embedded lead generation, and eCommerce.

Enable seamless collaboration between dealers, agents, and lenders while ensuring compliance, data quality, and faster Time-to-Yes.

Sales Channels

Car Configuration

Decision Simulation

Service Catalogue

Enable seamless collaboration between dealers, agents, and lenders while ensuring compliance, data quality, and faster Time-to-Yes.

Enterprise-ready. Bank-grade by default.

Digital transformation with bank-grade security, scalability, and compliance

Stacc powers mission-critical workflows for Tier 1 leaders

Security and compliance you can trust

ISO 27001-certified with SOC 2 Type II report available in 2025
GDPR, NIS2, DORA, EU AI Act, financial, and ICT regulations, etc.
Custom instance with time-sensitive reporting plus extensive logging and audits
DevSecOps & CI/CD pipeline security, GRC platform, pen testing, and continuous policy & risk monitoring

Security and compliance you can trust

ISO 27001-certified with SOC 2 Type II report available in 2025
GDPR, NIS2, DORA, EU AI Act, financial, and ICT regulations, etc.
Custom instance with time-sensitive reporting plus extensive logging and audits
DevSecOps & CI/CD pipeline security, GRC platform, pen testing, and continuous policy & risk monitoring

Security and compliance you can trust

ISO 27001-certified with SOC 2 Type II report available in 2025
GDPR, NIS2, DORA, EU AI Act, financial, and ICT regulations, etc.
Custom instance with time-sensitive reporting plus extensive logging and audits
DevSecOps & CI/CD pipeline security, GRC platform, pen testing, and continuous policy & risk monitoring

Scalable and flexible platform

Cloud- and API-native platform built to scale to any size
Supports 3M+ credit applications/year and 1,500+ concurrent users per installation with existing customers
End-to-end lifecycle with support for multi-country, multi-currency, multi-asset, and multi-credit-type

Scalable and flexible platform

Cloud- and API-native platform built to scale to any size
Supports 3M+ credit applications/year and 1,500+ concurrent users per installation with existing customers
End-to-end lifecycle with support for multi-country, multi-currency, multi-asset, and multi-credit-type

Scalable and flexible platform

Cloud- and API-native platform built to scale to any size
Supports 3M+ credit applications/year and 1,500+ concurrent users per installation with existing customers
End-to-end lifecycle with support for multi-country, multi-currency, multi-asset, and multi-credit-type