Stacc SMB Lending
Automated where it matters. Human where it counts.
Stacc SMB Lending is a cloud-native, modular loan origination and servicing platform built for Nordic banks that want to scale small and medium-sized business lending.
Automate high-volume tasks, standardise credit decisions and empower advisors with advanced financial analysis – all in one integrated platform from application intake to disbursement and beyond.
Stacc SMB Lending
Automated where it matters. Human where it counts.
Stacc SMB Lending is a cloud-native, modular loan origination and servicing platform built for Nordic banks that want to scale small and medium-sized business lending.
Automate high-volume tasks, standardise credit decisions and empower advisors with advanced financial analysis – all in one integrated platform from application intake to disbursement and beyond.
Stacc SMB Lending
Automated where it matters. Human where it counts.
Stacc SMB Lending is a cloud-native, modular loan origination and servicing platform built for Nordic banks that want to scale small and medium-sized business lending.
Automate high-volume tasks, standardise credit decisions and empower advisors with advanced financial analysis – all in one integrated platform from application intake to disbursement and beyond.
trusted by 60+ PROGRESSIVE LENDERS and 2,000+ advisors IN THE NORDICS
Impact that speaks for itself
Impact that speaks for itself
80%
of customers originated in <1 minute
80%
of customers originated in <1 minute
80%
of customers originated in <1 minute
100%
automation support with advanced collaterals management
100%
automation support with advanced collaterals management
100%
automation support with advanced collaterals management
80%
reduced inquiries to customer support centre
80%
reduced inquiries to customer support centre
80%
reduced inquiries to customer support centre
90%
reduced manual effort in payout controls
90%
reduced manual effort in payout controls
90%
reduced manual effort in payout controls
Overview
Both automation and advanced commercial underwriting
The ultimate combination for SMB lenders
Overview
Both automation and advanced commercial underwriting
The ultimate combination for SMB lenders
Overview
Both automation and advanced commercial underwriting
The ultimate combination for SMB lenders
Automating a high share of tasks across all process steps of commercial lending cases
Application intake
Automatic credit score
Credit decision & proposal
Document production, signing and colleral & covenant registration
Disburse and transfer to core
Loan
servicing
Loan servicing
Deviation management
Commercial Underwriting
Only tasks that need manual handling are assigned to advisors
How we create impact
Stacc combines efficiency and scalability with Nordic flexibility
We help SMB lenders improve Cost/Income ratios - and gain market share
How we create impact
Stacc combines efficiency and scalability with Nordic flexibility
We help SMB lenders improve Cost/Income ratios - and gain market share
How we create impact
Stacc combines efficiency and scalability with Nordic flexibility
We help SMB lenders improve Cost/Income ratios - and gain market share
Why Stacc SMB Lending
Next-generation, Nordic SMB 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 SMB 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 SMB 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 SMB 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 SMB lending.
Customer stories
Don't just listen to us
Explore customers' own accounts of how Stacc is transforming SMB lending.
Customer stories
Don't just listen to us
Explore customers' own accounts of how Stacc is transforming SMB lending.
Always useful to meet at the user forum
Stacc SMB Lending customer
Always useful to meet at the user forum
Stacc SMB Lending customer
Always useful to meet at the user forum
Stacc SMB Lending customer
We look forward to using the new analysis tool where the collection of financial statements, generation of analyses, and forecasts occur automatically. This streamlines our workflow and enables us to provide even better advice to our business customers.
Stacc SMB Lending customer
We look forward to using the new analysis tool where the collection of financial statements, generation of analyses, and forecasts occur automatically. This streamlines our workflow and enables us to provide even better advice to our business customers.
Stacc SMB Lending customer
We look forward to using the new analysis tool where the collection of financial statements, generation of analyses, and forecasts occur automatically. This streamlines our workflow and enables us to provide even better advice to our business customers.
Stacc SMB Lending customer
We are super happy with the team we have assigned to us.
Stacc SMB Lending customer
We are super happy with the team we have assigned to us.
Stacc SMB Lending customer
We are super happy with the team we have assigned to us.
Stacc SMB Lending customer
Reduced manual handling of B2B customers being onboarded. Paper trail for onboarded B2C credit customers. Rapid alerts if services are down. And more...
Stacc SMB Lending customer
Reduced manual handling of B2B customers being onboarded. Paper trail for onboarded B2C credit customers. Rapid alerts if services are down. And more...
Stacc SMB Lending customer
Reduced manual handling of B2B customers being onboarded. Paper trail for onboarded B2C credit customers. Rapid alerts if services are down. And more...
Stacc SMB 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 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 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 Lending customer
Collaboration and flexibility of the solution
Stacc SMB Lending customer
Collaboration and flexibility of the solution
Stacc SMB Lending customer
Collaboration and flexibility of the solution
Stacc SMB Lending customer
One of the most significant impacts so far is that they have initiated our digital journey within the corporate market
Stacc SMB Lending customer
One of the most significant impacts so far is that they have initiated our digital journey within the corporate market
Stacc SMB Lending customer
One of the most significant impacts so far is that they have initiated our digital journey within the corporate market
Stacc SMB Lending customer
Good discussions with business developers at Stacc
Stacc SMB Lending customer
Good discussions with business developers at Stacc
Stacc SMB Lending customer
Good discussions with business developers at Stacc
Stacc SMB Lending customer
Better decision support and SMB borrower analysis tools than we had before
Stacc SMB Lending customer
Better decision support and SMB borrower analysis tools than we had before
Stacc SMB Lending customer
Better decision support and SMB borrower analysis tools than we had before
Stacc SMB Lending customer
I wish all suppliers would work with us the way you do
Stacc SMB Lending customer
I wish all suppliers would work with us the way you do
Stacc SMB Lending customer
I wish all suppliers would work with us the way you do
Stacc SMB Lending customer
Solid tool making our advisors more effective
Stacc SMB Lending customer
Solid tool making our advisors more effective
Stacc SMB Lending customer
Solid tool making our advisors more effective
Stacc SMB Lending customer
Always useful to meet at the user forum
Stacc SMB Lending customer
Always useful to meet at the user forum
Stacc SMB Lending customer
We look forward to using the new analysis tool where the collection of financial statements, generation of analyses, and forecasts occur automatically. This streamlines our workflow and enables us to provide even better advice to our business customers.
Stacc SMB Lending customer
We look forward to using the new analysis tool where the collection of financial statements, generation of analyses, and forecasts occur automatically. This streamlines our workflow and enables us to provide even better advice to our business customers.
Stacc SMB Lending customer
We are super happy with the team we have assigned to us.
Stacc SMB Lending customer
We are super happy with the team we have assigned to us.
Stacc SMB Lending customer
Reduced manual handling of B2B customers being onboarded. Paper trail for onboarded B2C credit customers. Rapid alerts if services are down. And more...
Stacc SMB Lending customer
Reduced manual handling of B2B customers being onboarded. Paper trail for onboarded B2C credit customers. Rapid alerts if services are down. And more...
Stacc SMB 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 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 Lending customer
Collaboration and flexibility of the solution
Stacc SMB Lending customer
Collaboration and flexibility of the solution
Stacc SMB Lending customer
One of the most significant impacts so far is that they have initiated our digital journey within the corporate market
Stacc SMB Lending customer
One of the most significant impacts so far is that they have initiated our digital journey within the corporate market
Stacc SMB Lending customer
Good discussions with business developers at Stacc
Stacc SMB Lending customer
Good discussions with business developers at Stacc
Stacc SMB Lending customer
Better decision support and SMB borrower analysis tools than we had before
Stacc SMB Lending customer
Better decision support and SMB borrower analysis tools than we had before
Stacc SMB Lending customer
I wish all suppliers would work with us the way you do
Stacc SMB Lending customer
I wish all suppliers would work with us the way you do
Stacc SMB Lending customer
Solid tool making our advisors more effective
Stacc SMB Lending customer
Solid tool making our advisors more effective
Stacc SMB Lending customer
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
Sole proprietorships module
Integrated analysis of business and personal finances
Gain the complete picture of the case
Sole proprietorships module
Integrated analysis of business and personal finances
Gain the complete picture of the case
Sole proprietorships module
Integrated analysis of business and personal finances
Gain the complete picture of the case
Add both the company and the proprietor to the case
Analyse the financial situation of both the company and the household
And see the complete engagement across the individual and the company
Credit process platform
World-class, credit-native origination
We have everything you need to streamline SMB credit origination.
Credit process platform
World-class, credit-native origination
We have everything you need to streamline SMB credit origination.
Credit process platform
World-class, credit-native origination
We have everything you need to streamline SMB credit origination.
Decision Engine Editor
Decision Engine Simulator
Embedded AI
Credit Process Tool
Enable real-time credit decisions aligned with your own business and policy rules across multiple parameters, specific to various countries and segments, with Stacc's Gartner® recognised Credit Decision Engine.
Edit rules with complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.
Conduct A/B tests with your decision rules to optimise performance and drive better outcomes.
Decision Engine Editor
Decision Engine Simulator
Embedded AI
Credit Process Tool
Enable real-time credit decisions aligned with your own business and policy rules across multiple parameters, specific to various countries and segments, with Stacc's Gartner® recognised Credit Decision Engine.
Edit rules with complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.
Conduct A/B tests with your decision rules to optimise performance and drive better outcomes.
Decision Engine Editor
Decision Engine Simulator
Embedded AI
Credit Process Tool
Enable real-time credit decisions aligned with your own business and policy rules across multiple parameters, specific to various countries and segments, with Stacc's Gartner® recognised Credit Decision Engine.
Edit rules with complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.
Conduct A/B tests with your decision rules to optimise performance and drive better outcomes.
Composable SMB lending software
Compose your own SMB lending solution with 1, 2 or 3 products
Each product in Stacc SMB Lending is API-native and can be delivered standalone or in combination to compose your own SMB lending solution.
Composable SMB lending software
Compose your own SMB lending solution with 1, 2 or 3 products
Each product in Stacc SMB Lending is API-native and can be delivered standalone or in combination to compose your own SMB lending solution.
Composable SMB lending software
Compose your own SMB lending solution with 1, 2 or 3 products
Each product in Stacc SMB Lending is API-native and can be delivered standalone or in combination to compose your own SMB lending solution.
Loan origination
Loan servicing
Front-end agnostic
Channel-agnostic journeys and support for all channels
Provide SMB lending applicants the comfort of starting an application in any channel - and complete it any channel.
Front-end agnostic
Channel-agnostic journeys and support for all channels
Provide SMB lending applicants the comfort of starting an application in any channel - and complete it any channel.
Front-end agnostic
Channel-agnostic journeys and support for all channels
Provide SMB lending applicants the comfort of starting an application in any channel - and complete it any channel.
Customer application
Best-practice starting point for a user-friendly SMB lending application
eID
eID
eID
e-Signatures
e-Signatures
e-Signatures
Data & documentation
Data & documentation
Data & documentation
KYC/KYB & AML checks
KYC/KYB & AML checks
KYC/KYB & AML checks
Credit scoring
Credit scoring
Credit scoring
MyPage
A self-service portal where customers can track or manage their application or current loan
Track application status
Track application status
Track application status
Request refinancing
Request refinancing
Request refinancing
Request interest-only period or payment holiday
Request interest-only period or payment holiday
Request interest-only period or payment holiday
Make additional payments
Make additional payments
Make additional payments
Change due date
Change due date
Change due date
Touchpoints
Additional touchpoints to support customer connection
Customer chat
Customer chat
Customer chat
SMS/E-mail notification
SMS/E-mail notification
SMS/E-mail notification
Automated reminders
Automated reminders
Automated reminders
API integrations with 3rd party platforms
API integrations with 3rd party platforms
API integrations with 3rd party platforms
Explore related solutions for SMB lenders
Research & perspectives
Request a Demo
Ready to transform your SMB lending institution?
Experience the modern, highly automated and intelligent value of Stacc SMB Lending
Request a Demo
Ready to transform your SMB lending institution?
Experience the modern, highly automated and intelligent value of Stacc SMB Lending
Request a Demo
Ready to transform your SMB lending institution?
Experience the modern, highly automated and intelligent value of Stacc SMB 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.