Stacc Commercial Lending
Make better credit decisions. Faster and easier.
Eliminate costly manual work across spreadsheets or rigid systems on big cases. Stacc revolutionises the entire credit process from application to full repayment.
Automate time-consuming tasks and spend time helping business and corporate customers succeed with market-leading capabilities for Nordic commercial underwriting.
Stacc Commercial Lending
Make better credit decisions. Faster and easier.
Eliminate costly manual work across spreadsheets or rigid systems on big cases. Stacc revolutionises the entire credit process from application to full repayment.
Automate time-consuming tasks and spend time helping business and corporate customers succeed with market-leading capabilities for Nordic commercial underwriting.
Stacc Commercial Lending
Make better credit decisions. Faster and easier.
Eliminate costly manual work across spreadsheets or rigid systems on big cases. Stacc revolutionises the entire credit process from application to full repayment.
Automate time-consuming tasks and spend time helping business and corporate customers succeed with market-leading capabilities for Nordic commercial underwriting.
trusted by 60+ PROGRESSIVE LENDERS and 2,000+ advisors IN THE NORDICS
Impact that speaks for itself
Impact that speaks for itself
70%
faster case handling prior to automation
70%
faster case handling prior to automation
70%
faster case handling prior to automation
50%
faster case handling on the most complex cases
50%
faster case handling on the most complex cases
50%
faster case handling on the most complex cases
1,000+
collateral agreements per case in live production
1,000+
collateral agreements per case in live production
1,000+
collateral agreements per case in live production
90%
reduced manual effort in payout processes and controls
90%
reduced manual effort in payout processes and controls
90%
reduced manual effort in payout processes and controls
Overview
Make better credit decisions faster and easier
For many years, business and corporate lending has lagged behind retail lending and mortgages in terms of loan origination system support.
Overview
Make better credit decisions faster and easier
For many years, business and corporate lending has lagged behind retail lending and mortgages in terms of loan origination system support.
Overview
Make better credit decisions faster and easier
For many years, business and corporate lending has lagged behind retail lending and mortgages in terms of loan origination system support.
Many banks still operate with highly manual processes across fragmented systems with limited oversight, flow and standardisation, driving costs and risk of non-compliance. At the same time, new regulatory requirements and higher customer expectations require efficient and standardised credit processes.
Stacc Commercial Lending changes that. It combines automation with advanced underwriting tailored for commercial lending across large businesses and corporates.
How we create impact
Stacc combines efficiency and scalability with Nordic flexibility
We help commercial lenders improve Cost/Income ratios - and gain market share
How we create impact
Stacc combines efficiency and scalability with Nordic flexibility
We help commercial lenders improve Cost/Income ratios - and gain market share
How we create impact
Stacc combines efficiency and scalability with Nordic flexibility
We help commercial lenders improve Cost/Income ratios - and gain market share
Commercial liquidity module
360 degree overview ready when you need it
All relevant data is gathered and presented to the advisor in a structured and flexible manner
Commercial liquidity module
360 degree overview ready when you need it
All relevant data is gathered and presented to the advisor in a structured and flexible manner
Commercial liquidity module
360 degree overview ready when you need it
All relevant data is gathered and presented to the advisor in a structured and flexible manner
Analyse company structure, financial statements and key figures to build a complete financial overview
Assess serviceability, liquidity and risk through scenario modelling and industry benchmarking
Forecast and analyse performance and investment scenarios, including industry-specific projections (such as real estate)
Market-leading collaterals module
Collateral analysis and handling made easy
Comprehensive, intuitive and intelligent
Market-leading collaterals module
Collateral analysis and handling made easy
Comprehensive, intuitive and intelligent
Market-leading collaterals module
Collateral analysis and handling made easy
Comprehensive, intuitive and intelligent
Covers close to all relevant collateral objects and stakeholders in the Nordic markets, with ready-made judicial registration for more than 30 types of pledges
Provides intuitive and efficient handling with embedded intelligence even for large cases, such as identification of available collateral
Supports next-generation credit optimalisation with extensive collateral metadata
Covers close to all relevant collateral objects and stakeholders in the Nordic markets, with ready-made judicial registration for more than 30 types of pledges
Provides intuitive and efficient handling with embedded intelligence even for large cases, such as identification of available collateral
Supports next-generation credit optimalisation with extensive collateral metadata
See the future
See the future
See the future
Forecasting and investment plans
Forecasting and investment plans
Forecasting and investment plans
Stacc Commercial Underwriting provides an overview of the long-term lines in the company, developments in revenues and cash flows.
Stacc Commercial Underwriting provides an overview of the long-term lines in the company, developments in revenues and cash flows.
Stacc Commercial Underwriting provides an overview of the long-term lines in the company, developments in revenues and cash flows.
It is easy to make future investment plans and show the financial effects on balance sheet and capital requirements in the event of changes in income or costs, increased credit period, etc.
Test for cracks
Test for cracks
Test for cracks
Sensitivity analysis
Sensitivity analysis
Sensitivity analysis
Stacc Commercial Underwriting makes it possible to perform sensitivity analyses based on various parameters, such as the economic prerequisites for operating the company or the investments made.
It is also possible to look at the effects of different aspects, such as how the need for working capital will be changed by a reduction in sales revenues or how the company will withstand an interest rate increase.
It is also possible to look at the effects of different aspects, such as how the need for working capital will be changed by a reduction in sales revenues or how the company will withstand an interest rate increase.
It is also possible to look at the effects of different aspects, such as how the need for working capital will be changed by a reduction in sales revenues or how the company will withstand an interest rate increase.
Why Stacc Commercial Lending
Next-generation, Nordic Commercial lending with Stacc
Cloud-native credit platform
Our platform is purpose-built for high credit automation and advanced underwriting. It is a cloud-native, API-first and modular architecture covering the full credit lifecycle from application intake to payout and beyond.
Developed and refined over almost a decade in Nordic production, Stacc Commercial Lending includes a market-leading collateral module, real-time liquidity, advanced commercial underwriting, embedded decisioning and intelligence.
Innovative company
Superior Time-to-Value
Native compliance and security
Cloud-native credit platform
Our platform is purpose-built for high credit automation and advanced underwriting. It is a cloud-native, API-first and modular architecture covering the full credit lifecycle from application intake to payout and beyond.
Developed and refined over almost a decade in Nordic production, Stacc Commercial Lending includes a market-leading collateral module, real-time liquidity, advanced commercial underwriting, embedded decisioning and intelligence.
Innovative company
Superior Time-to-Value
Native compliance and security
Cloud-native credit platform
Our platform is purpose-built for high credit automation and advanced underwriting. It is a cloud-native, API-first and modular architecture covering the full credit lifecycle from application intake to payout and beyond.
Developed and refined over almost a decade in Nordic production, Stacc Commercial Lending includes a market-leading collateral module, real-time liquidity, advanced commercial underwriting, embedded decisioning and intelligence.
Innovative company
Superior Time-to-Value
Native compliance and security
Customer stories
Don't just listen to us
Explore customers' own accounts of how Stacc is transforming business and corporate lending.
Customer stories
Don't just listen to us
Explore customers' own accounts of how Stacc is transforming business and corporate lending.
Customer stories
Don't just listen to us
Explore customers' own accounts of how Stacc is transforming business and corporate lending.
Stacc shows that we have forward-looking, competent and innovative financial technology environments in Norway that can compete against the best and largest in the world in this area.
Leon Bakkebø, Director of Financing and Banking, Innovation Norway
Stacc shows that we have forward-looking, competent and innovative financial technology environments in Norway that can compete against the best and largest in the world in this area.
Leon Bakkebø, Director of Financing and Banking, Innovation Norway
Stacc shows that we have forward-looking, competent and innovative financial technology environments in Norway that can compete against the best and largest in the world in this area.
Leon Bakkebø, Director of Financing and Banking, Innovation Norway
I wish all suppliers would work with us the way you do
Stacc SMB & Commercial Lending customer
I wish all suppliers would work with us the way you do
Stacc SMB & Commercial Lending customer
I wish all suppliers would work with us the way you do
Stacc SMB & Commercial Lending customer
One of the most significant impacts so far is that they have initiated our digital journey within the corporate market
Stacc SMB & Commercial Lending customer
One of the most significant impacts so far is that they have initiated our digital journey within the corporate market
Stacc SMB & Commercial Lending customer
One of the most significant impacts so far is that they have initiated our digital journey within the corporate market
Stacc SMB & Commercial Lending customer
Good discussions with business developers at Stacc
Stacc SMB & Commercial Lending customer
Good discussions with business developers at Stacc
Stacc SMB & Commercial Lending customer
Good discussions with business developers at Stacc
Stacc SMB & Commercial Lending customer
Solid tool making our advisors more effective. The Affordability API enables us to take more control over the application process.
Stacc SMB & Commercial Lending customer
Solid tool making our advisors more effective. The Affordability API enables us to take more control over the application process.
Stacc SMB & Commercial Lending customer
Solid tool making our advisors more effective. The Affordability API enables us to take more control over the application process.
Stacc SMB & Commercial Lending customer
Business development and understanding is good for everyone on our customer team. The service level is high and collaboration is very good. The team also has good domain competence on banking and financial services.
Stacc SMB & Commercial Lending customer
Business development and understanding is good for everyone on our customer team. The service level is high and collaboration is very good. The team also has good domain competence on banking and financial services.
Stacc SMB & Commercial Lending customer
Business development and understanding is good for everyone on our customer team. The service level is high and collaboration is very good. The team also has good domain competence on banking and financial services.
Stacc SMB & Commercial Lending customer
Always useful to meet at the user forum
Stacc SMB & Commercial Lending customer
Always useful to meet at the user forum
Stacc SMB & Commercial Lending customer
Always useful to meet at the user forum
Stacc SMB & Commercial Lending customer
Collaboration and flexibility of the solution
Stacc SMB & Commercial Lending customer
Collaboration and flexibility of the solution
Stacc SMB & Commercial Lending customer
Collaboration and flexibility of the solution
Stacc SMB & Commercial Lending customer
Composable Commercial lending software
Compose your own commercial lending solution with 1, 2 or 3 products
Each product in Stacc Commercial Lending is API-native and can be delivered standalone or in combination to compose your own business or corporate lending solution.
Composable Commercial lending software
Compose your own commercial lending solution with 1, 2 or 3 products
Each product in Stacc Commercial Lending is API-native and can be delivered standalone or in combination to compose your own business or corporate lending solution.
Composable Commercial lending software
Compose your own commercial lending solution with 1, 2 or 3 products
Each product in Stacc Commercial Lending is API-native and can be delivered standalone or in combination to compose your own business or corporate lending solution.
Loan origination
Loan servicing
Research & perspectives
Request a Demo
Ready to transform your business or corporate lending institution?
Experience the modern, highly automated and intelligent value of Stacc Commercial Lending
Request a Demo
Ready to transform your business or corporate lending institution?
Experience the modern, highly automated and intelligent value of Stacc Commercial Lending
Request a Demo
Ready to transform your business or corporate lending institution?
Experience the modern, highly automated and intelligent value of Stacc Commercial Lending
Disclaimer: GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
Disclaimer: GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
Disclaimer: GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
Why Stacc
Who we serve
Customer journey
Solutions
Products
Credit process platform
Core credit ledger
Affordability and collaterals engine
Liquidity and collaterals engine
Asset finance quote engine
Asset delivery engine
Invoice lifecycle management
Treasury and portfolio platform
Client lifecycle management platform
©️ 2026 Stacc AS, All rights reserved.
Why Stacc
Who we serve
Customer journey
Solutions
Products
Credit process platform
Core credit ledger
Affordability and collaterals engine
Liquidity and collaterals engine
Asset finance quote engine
Asset delivery engine
Invoice lifecycle management
Treasury and portfolio platform
Client lifecycle management platform
©️ 2026 Stacc AS, All rights reserved.
Why Stacc
Who we serve
Customer journey
Solutions
Products
Credit process platform
Core credit ledger
Affordability and collaterals engine
Liquidity and collaterals engine
Asset finance quote engine
Asset delivery engine
Invoice lifecycle management
Treasury and portfolio platform
Client lifecycle management platform
©️ 2026 Stacc AS, All rights reserved.