Consumer loans and credits
Fast. Flexible. Automated. Efficient.
Stacc Consumer Lending offers automated loan origination, task-based case management and smart loan servicing. Handle the entire loan lifecycle with the speed and control you need.
Consumer loans and credits
Fast. Flexible. Automated. Efficient.
Stacc Consumer Lending offers automated loan origination, task-based case management and smart loan servicing. Handle the entire loan lifecycle with the speed and control you need.
Consumer loans and credits
Fast. Flexible. Automated. Efficient.
Stacc Consumer Lending offers automated loan origination, task-based case management and smart loan servicing. Handle the entire loan lifecycle with the speed and control you need.
Get to market fast
Get to market fast
Get to market fast
Fully automated
Fully automated
Fully automated
Cloud native, API first
Cloud native, API first
Cloud native, API first
Scalable for all
Scalable for all
Scalable for all
Consumer loans and credits
We support most types of unsecured consumer financial products
Stacc Consumer Lending software provides an end-to-end solution for unsecured loans, tailored to local requirements.
Consumer loans and credits
We support most types of unsecured consumer financial products
Stacc Consumer Lending software provides an end-to-end solution for unsecured loans, tailored to local requirements.
Consumer loans and credits
We support most types of unsecured consumer financial products
Stacc Consumer Lending software provides an end-to-end solution for unsecured loans, tailored to local requirements.
Unsecured loans
Unsecured loans
Unsecured loans
Solve your clients needs, no collateral required.
Solve your clients needs, no collateral required.
Solve your clients needs, no collateral required.
Forbrukslån (Norway)
Forbrukslån (Norway)
Forbrukslån (Norway)
Blankolån (Sweden)
Blankolån (Sweden)
Blankolån (Sweden)
Kulutuslaina (Finland)
Kulutuslaina (Finland)
Kulutuslaina (Finland)
Forbrugslån (Denmark)
Forbrugslån (Denmark)
Forbrugslån (Denmark)
Préstamo personal (Spain)
Préstamo personal (Spain)
Préstamo personal (Spain)
Refinancing
Refinancing
Refinancing
Merge loans and improve conditions effectively
Merge loans and improve conditions effectively
Merge loans and improve conditions effectively
Refinansieringslån (Norway)
Refinansieringslån (Norway)
Refinansieringslån (Norway)
Samlingslån (Sweden)
Samlingslån (Sweden)
Samlingslån (Sweden)
Jälleenrahoitus (Finland)
Jälleenrahoitus (Finland)
Jälleenrahoitus (Finland)
Refinansieringslån (Denmark)
Refinansieringslån (Denmark)
Refinansieringslån (Denmark)
Refinanciamiento (Spain)
Refinanciamiento (Spain)
Refinanciamiento (Spain)
Revolving credit
Revolving credit
Revolving credit
Flexible funds, whenever your clients need them.
Flexible funds, whenever your clients need them.
Flexible funds, whenever your clients need them.
Rammekreditt (Norway)
Rammekreditt (Norway)
Rammekreditt (Norway)
Kontokredit (Sweden)
Kontokredit (Sweden)
Kontokredit (Sweden)
Joustava luotto (Finland)
Joustava luotto (Finland)
Joustava luotto (Finland)
Revolving kredit (Denmark)
Revolving kredit (Denmark)
Revolving kredit (Denmark)
Crédito rotativo (Spain)
Crédito rotativo (Spain)
Crédito rotativo (Spain)
Don’t let your systems slow you down
Don’t let your systems slow you down
Don’t let your systems slow you down
Get to market fast. Real fast.
Get to market fast. Real fast.
Get to market fast. Real fast.
In a fast-paced and highly competitive business, time to market and time to money can be the competitive advantages that set your business ahead of the competition.
In a fast-paced and highly competitive business, time to market and time to money can be the competitive advantages that set your business ahead of the competition.
In a fast-paced and highly competitive business, time to market and time to money can be the competitive advantages that set your business ahead of the competition.
Release new products and adapt quickly to customer needs
Release new products and adapt quickly to customer needs
Release new products and adapt quickly to customer needs
Provide your customers with ultrafast application feedback
Provide your customers with ultrafast application feedback
Provide your customers with ultrafast application feedback
Easily adapt to regulatory requirements
Easily adapt to regulatory requirements
Easily adapt to regulatory requirements
Reduce manual tasks
Reduce manual tasks
Reduce manual tasks
Fully automated origination.
Fully automated origination.
Fully automated origination.
Our software allows your origination processes to be fully automated, changeable and adaptable. Gradually transition from existing legacy solutions at your own pace.
Our software allows your origination processes to be fully automated, changeable and adaptable. Gradually transition from existing legacy solutions at your own pace.
Our software allows your origination processes to be fully automated, changeable and adaptable. Gradually transition from existing legacy solutions at your own pace.
Mix automation, robotics (RPA) and manual tasks in the same process
Mix automation, robotics (RPA) and manual tasks in the same process
Mix automation, robotics (RPA) and manual tasks in the same process
Identify bottlenecks and increase conversion rates
Identify bottlenecks and increase conversion rates
Identify bottlenecks and increase conversion rates
Test and adapt business rules on the go
Test and adapt business rules on the go
Test and adapt business rules on the go
Connect to anything
Connect to anything
Connect to anything
Cloud native, API first.
Cloud native, API first.
Cloud native, API first.
Our solution is “born in the cloud” and leverages all the benefits of secure & compliant cloud technology.
Our solution is “born in the cloud” and leverages all the benefits of secure & compliant cloud technology.
Our solution is “born in the cloud” and leverages all the benefits of secure & compliant cloud technology.
Full API support
Full API support
Full API support
Extensive service catalogue with hundreds of 3rd party integration partners
Extensive service catalogue with hundreds of 3rd party integration partners
Extensive service catalogue with hundreds of 3rd party integration partners
Change and improve continously without delay
Change and improve continously without delay
Change and improve continously without delay
Flexible fit
Flexible fit
Flexible fit
Scalability for all.
Scalability for all.
Scalability for all.
Whether you're a small business or an enterprise-level organization, our solutions grow with you. Our customers' solutions range from complex big tickets with built-in manual steps to fully automated credit processes handling millions of applications.
Whether you're a small business or an enterprise-level organization, our solutions grow with you. Our customers' solutions range from complex big tickets with built-in manual steps to fully automated credit processes handling millions of applications.
Whether you're a small business or an enterprise-level organization, our solutions grow with you. Our customers' solutions range from complex big tickets with built-in manual steps to fully automated credit processes handling millions of applications.
Consumer lending
Design the perfect customer journey
Merge great user experiences with efficient case management
Consumer lending
Design the perfect customer journey
Merge great user experiences with efficient case management
Consumer lending
Design the perfect customer journey
Merge great user experiences with efficient case management
Loan Origination
Get quality applications with more automation
Tailor the origination process to your needs with ease, utilizing best practice templates for optimal efficiency.
Our platform is automation- and optimization-friendly, empowering the streamlining of operations and productivity.
With automatic reminder features, keep track of key milestones effortlessly, ensuring no critical steps are missed.
Product Setup
Innovate and launch new value propositions
Transform your product setup process with our Consumer Lending solution, enabling you to innovate and launch new value propositions effortlessly.
Define terms and conditions, configure interest rates and fees, and select loan features without the need for developers.
Our user-friendly platform puts you in control, streamlining the setup process and allowing you to bring your ideas to life quickly and efficiently
Case Management
Task based case management, no training required
Our Case Management solution offers an easy-to-use task-based workflow, with no training required. Get a centralized view of all applications for efficient decision-making.
Easily assign roles and tasks to increase productivity and accountability.
Reach out to clients directly from the case management interface, facilitating smooth communication.
Enable clients to add missing documentation to their application, enhancing transparency and expediting the process.
Loan Servicing
Add value and flexibility to existing borrowers
Simplify the loan servicing experience with a solution designed for flexibility.
Our self-service platform empowers end-users to self-service their accounts seamlessly, providing transparency and control through personalized MyPage dashboards.
With simplified repayment processes, borrowers can effortlessly make payments, while flexible structures accommodate various financial needs and circumstances.
Loan Origination
Get quality applications with more automation
Tailor the origination process to your needs with ease, utilizing best practice templates for optimal efficiency.
Our platform is automation- and optimization-friendly, empowering the streamlining of operations and productivity.
With automatic reminder features, keep track of key milestones effortlessly, ensuring no critical steps are missed.
Case Management
Task based case management, no training required
Our Case Management solution offers an easy-to-use task-based workflow, with no training required. Get a centralized view of all applications for efficient decision-making.
Easily assign roles and tasks to increase productivity and accountability.
Reach out to clients directly from the case management interface, facilitating smooth communication.
Enable clients to add missing documentation to their application, enhancing transparency and expediting the process.
Product Setup
Innovate and launch new value propositions
Transform your product setup process with our Consumer Lending solution, enabling you to innovate and launch new value propositions effortlessly.
Define terms and conditions, configure interest rates and fees, and select loan features without the need for developers.
Our user-friendly platform puts you in control, streamlining the setup process and allowing you to bring your ideas to life quickly and efficiently
Loan Servicing
Add value and flexibility to existing borrowers
Simplify the loan servicing experience with a solution designed for flexibility.
Our self-service platform empowers end-users to self-service their accounts seamlessly, providing transparency and control through personalized MyPage dashboards.
With simplified repayment processes, borrowers can effortlessly make payments, while flexible structures accommodate various financial needs and circumstances.
Loan Origination
Get quality applications with more automation
Tailor the origination process to your needs with ease, utilizing best practice templates for optimal efficiency.
Our platform is automation- and optimization-friendly, empowering the streamlining of operations and productivity.
With automatic reminder features, keep track of key milestones effortlessly, ensuring no critical steps are missed.
Case Management
Task based case management, no training required
Our Case Management solution offers an easy-to-use task-based workflow, with no training required. Get a centralized view of all applications for efficient decision-making.
Easily assign roles and tasks to increase productivity and accountability.
Reach out to clients directly from the case management interface, facilitating smooth communication.
Enable clients to add missing documentation to their application, enhancing transparency and expediting the process.
Product Setup
Innovate and launch new value propositions
Transform your product setup process with our Consumer Lending solution, enabling you to innovate and launch new value propositions effortlessly.
Define terms and conditions, configure interest rates and fees, and select loan features without the need for developers.
Our user-friendly platform puts you in control, streamlining the setup process and allowing you to bring your ideas to life quickly and efficiently
Loan Servicing
Add value and flexibility to existing borrowers
Simplify the loan servicing experience with a solution designed for flexibility.
Our self-service platform empowers end-users to self-service their accounts seamlessly, providing transparency and control through personalized MyPage dashboards.
With simplified repayment processes, borrowers can effortlessly make payments, while flexible structures accommodate various financial needs and circumstances.
What we did for Avida Finance
What we did for Avida Finance
What we did for Avida Finance
Stacc delivers a complete solution supporting all of Avida's lending and deposit products, including origination, automation and case handling across the Nordics.
Stacc delivers a complete solution supporting all of Avida's lending and deposit products, including origination, automation and case handling across the Nordics.
Stacc delivers a complete solution supporting all of Avida's lending and deposit products, including origination, automation and case handling across the Nordics.
Consumer Lending & Deposits
Consumer Lending & Deposits
Consumer Lending & Deposits
Corporate Lending
Corporate Lending
Corporate Lending
Loan Origination and Case Management
Accelerate incoming applications
Loan Origination and Case Management
Accelerate incoming applications
Loan Origination and Case Management
Accelerate incoming applications
Visual onboarding process
Visual onboarding process
Visual onboarding process
Based on industry-standard BPMN diagrams
Everyone can see and understand the application process and all data sources and decisions
Visual, changeable, optimizable
Based on industry-standard BPMN diagrams
Everyone can see and understand the application process and all data sources and decisions
Visual, changeable, optimizable
Based on industry-standard BPMN diagrams
Everyone can see and understand the application process and all data sources and decisions
Visual, changeable, optimizable
Identify and fix bottlenecks
Identify and fix bottlenecks
Identify and fix bottlenecks
Track all ongoing applications real-time
Identify bottlenecks
Automate reminders to increase conversion rates
Track all ongoing applications real-time
Identify bottlenecks
Automate reminders to increase conversion rates
Track all ongoing applications real-time
Identify bottlenecks
Automate reminders to increase conversion rates
Inbound applications
Inbound applications
Inbound applications
Collect customer application data
Connect to custom forms and front-end
Loan Agent module available
Collect customer application data
Connect to custom forms and front-end
Loan Agent module available
Collect customer application data
Connect to custom forms and front-end
Loan Agent module available
Efficient customer communication
Efficient customer communication
Efficient customer communication
Communicate directly from the case manager
SMS, e-mail, notifications, chat and click-to-call
All communication is logged on the case file
Communicate directly from the case manager
SMS, e-mail, notifications, chat and click-to-call
All communication is logged on the case file
Communicate directly from the case manager
SMS, e-mail, notifications, chat and click-to-call
All communication is logged on the case file
Credit scoring and decision
Credit scoring and decision
Credit scoring and decision
Integrate with any 3rd party tools and data sources
Set business rules and automate decisions
Enables risk-based pricing
Integrate with any 3rd party tools and data sources
Set business rules and automate decisions
Enables risk-based pricing
Integrate with any 3rd party tools and data sources
Set business rules and automate decisions
Enables risk-based pricing
Compliance built-in
Compliance built-in
Compliance built-in
Know Your Customer (KYC)
Anti Money Laundering (AML)
Politically Exposed Person (PEP)
Know Your Customer (KYC)
Anti Money Laundering (AML)
Politically Exposed Person (PEP)
Know Your Customer (KYC)
Anti Money Laundering (AML)
Politically Exposed Person (PEP)
Traffic light principles
Traffic light principles
Traffic light principles
Rule based automation
Green (automatic approval)
Yellow (requires manual processing)
Red (automatic rejection)
Rule based automation
Green (automatic approval)
Yellow (requires manual processing)
Red (automatic rejection)
Rule based automation
Green (automatic approval)
Yellow (requires manual processing)
Red (automatic rejection)
Offer and signing
Offer and signing
Offer and signing
Automated document generation
Customer gets notified of loan offer
Digital ID and signing
Automated document generation
Customer gets notified of loan offer
Digital ID and signing
Automated document generation
Customer gets notified of loan offer
Digital ID and signing
Transfer to loan servicing
Transfer to loan servicing
Transfer to loan servicing
Automated disbursement
Automated loan account creation
Automated document and case file storage
Automated accounting
Automated GDPR clean-up policies
Automated life cycle handling
Automated disbursement
Automated loan account creation
Automated document and case file storage
Automated accounting
Automated GDPR clean-up policies
Automated life cycle handling
Automated disbursement
Automated loan account creation
Automated document and case file storage
Automated accounting
Automated GDPR clean-up policies
Automated life cycle handling
Product setup and loan servicing
Manage products and loan repayment
Product setup and loan servicing
Manage products and loan repayment
Product setup and loan servicing
Manage products and loan repayment
Loan life cycle handling
Loan life cycle handling
Loan life cycle handling
Payout
Repayment plan
Customer statements
Reminders
Payout
Repayment plan
Customer statements
Reminders
Payout
Repayment plan
Customer statements
Reminders
Debt collection
Interest changes
Reporting
Termination
Debt collection
Interest changes
Reporting
Termination
Debt collection
Interest changes
Reporting
Termination
Disbursement
Disbursement
Disbursement
Money transfer
Redemption of other loans
Interim conditions
Multiple disbursements
Currencies
Money transfer
Redemption of other loans
Interim conditions
Multiple disbursements
Currencies
Money transfer
Redemption of other loans
Interim conditions
Multiple disbursements
Currencies
Interests & fees
Interests & fees
Interests & fees
Calculation and capitalisation of interests, fees and commissions.
Upfront amount, interest split, startup fee split, term fee split, annuity split.
Calculation and capitalisation of interests, fees and commissions.
Upfront amount, interest split, startup fee split, term fee split, annuity split.
Calculation and capitalisation of interests, fees and commissions.
Upfront amount, interest split, startup fee split, term fee split, annuity split.
Billing & Collection
Billing & Collection
Billing & Collection
Interest calculation engine
Automated billing engine, eInvoice, eMail/PDF
Customer-specific cost center/dept.
Incurred costs
Consolidated invoice, VAT
Interest calculation engine
Automated billing engine, eInvoice, eMail/PDF
Customer-specific cost center/dept.
Incurred costs
Consolidated invoice, VAT
Interest calculation engine
Automated billing engine, eInvoice, eMail/PDF
Customer-specific cost center/dept.
Incurred costs
Consolidated invoice, VAT
Flexible repayment support
Flexible repayment support
Flexible repayment support
OCR/SEPA
Over-/underpayment handling
Unidentified payment handling/suspense account
OCR/SEPA
Over-/underpayment handling
Unidentified payment handling/suspense account
OCR/SEPA
Over-/underpayment handling
Unidentified payment handling/suspense account
Debt collection
Debt collection
Debt collection
Reminders
Integrations with debt collection companies
Status and payments
Group and manual write-downs
Reminders
Integrations with debt collection companies
Status and payments
Group and manual write-downs
Reminders
Integrations with debt collection companies
Status and payments
Group and manual write-downs
Accounting & reporting
Accounting & reporting
Accounting & reporting
P&L per loan and customer
Integrated Power BI
Integrated real-time accounting
Accruals and deferrals
Assets / write offs
P&L per loan and customer
Integrated Power BI
Integrated real-time accounting
Accruals and deferrals
Assets / write offs
P&L per loan and customer
Integrated Power BI
Integrated real-time accounting
Accruals and deferrals
Assets / write offs
Customer self service page
Customer self service page
Customer self service page
Built-in standard functionality
Can integrate with your existing front-end solution
Built-in standard functionality
Can integrate with your existing front-end solution
Built-in standard functionality
Can integrate with your existing front-end solution
Compliance
Compliance made uncomplicated
Compliance
Compliance made uncomplicated
Compliance
Compliance made uncomplicated
Local
Local
Local
Adjust to local regulations.
Adjust to local regulations.
Adjust to local regulations.
GDPR compliant
GDPR compliant
GDPR compliant
Personal data handled right.
Personal data handled right.
Personal data handled right.
Give Risk & Compliance the control they need
Give Risk & Compliance the control they need
Give Risk & Compliance the control they need
Add risk & compliance tools to your application process to get real-time analytics and control.
Add risk & compliance tools to your application process to get real-time analytics and control.
Add risk & compliance tools to your application process to get real-time analytics and control.
Audit trail
Audit trail
Audit trail
A complete record of all activities and events on every application.
A complete record of all activities and events on every application.
A complete record of all activities and events on every application.
Change tracking
Change tracking
Change tracking
Built-in version control.
Built-in version control.
Built-in version control.
Acces control
Access control
Access control
User roles.
User roles.
User roles.
DORA ready
DORA ready
DORA ready
Ready for the Digital Operational Resilience Act (DORA).
Ready for the Digital Operational Resilience Act (DORA).
Ready for the Digital Operational Resilience Act (DORA).
Visual overview
Visual overview
Visual overview
A visual overview of all processes and data-sources that everyone understands.
A visual overview of all processes and data-sources that everyone understands.
A visual overview of all processes and data-sources that everyone understands.
What we did for Lea Bank
What we did for Lea Bank
What we did for Lea Bank
Stacc delivers a complete solution supporting deposits and loans in Norway, Sweden, Finland and Spain.
Stacc delivers a complete solution supporting deposits and loans in Norway, Sweden, Finland and Spain.
Stacc delivers a complete solution supporting deposits and loans in Norway, Sweden, Finland and Spain.
Consumer Lending & Deposits
Consumer Lending & Deposits
Consumer Lending & Deposits
Corporate Lending, Factoring and invoice purchase
Corporate Lending, Factoring and invoice purchase
Corporate Lending, Factoring and invoice purchase
200+ pre-built integrations
Extensive third-party integration catalogue
Enable next-level digitisation and automation together with our integration partners.
200+ pre-built integrations
Extensive third-party integration catalogue
Enable next-level digitisation and automation together with our integration partners.
200+ pre-built integrations
Extensive third-party integration catalogue
Enable next-level digitisation and automation together with our integration partners.
Explore other consumer lending solutions
Request a Demo
Ready to transform your consumer finance institution?
Connect with us to learn how we can help you with Consumer Lending software.
Request a Demo
Ready to transform your consumer finance institution?
Connect with us to learn how we can help you with Consumer Lending software.
Request a Demo
Ready to transform your consumer finance institution?
Connect with us to learn how we can help you with Consumer Lending software.
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.