Get to market fast
Fully automated
Cloud native, API first
Scalable for all
Unsecured loans
Solve your clients needs, no collateral required.
Refinancing
Merge loans and improve conditions effectively
Revolving credit
Provide flexible funds, whenever your clients needs them.
Don’t let your systems slow you down
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.
No more manual tasks
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.
Connect to anything
Cloud native, API first.
Our solution is “born in the cloud” and leverages all the benefits of secure & compliant cloud technology.
Flexible fit
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.
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
Stacc delivers a complete solution supporting all of Avida's lending and deposit products, including origination, automation and case handling across the Nordics.
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
Identify and fix bottlenecks
Track all ongoing applications real-time
Identify bottlenecks
Automate reminders to increase conversion rates
Inbound applications
Collect customer application data
Connect to custom forms and front-end
Loan Agent module available
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
Credit scoring and decision
Integrate with any 3rd party tools and data sources
Set business rules and automate decisions
Enables risk-based pricing
Compliance built-in
Know Your Customer (KYC)
Anti Money Laundering (AML)
Politically Exposed Person (PEP)
Traffic light principles
Rule based automation
Green (automatic approval)
Yellow (requires manual processing)
Red (automatic rejection)
Offer and signing
Automated document generation
Customer gets notified of loan offer
Digital ID and signing
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
Simplify Consumer Lending with innovative software from Stacc
Loan life cycle handling
Payout
Repayment plan
Customer statements
Reminders
Debt collection
Interest changes
Reporting
Termination
Disbursement
Money transfer
Redemption of other loans
Interim conditions
Multiple disbursements
Currencies
Interests & fees
Calculation and capitalisation of interests, fees and commissions.
Upfront amount, interest split, startup fee split, term fee split, annuity split.
Billing & Collection
Interest calculation engine
Automated billing engine, eInvoice, eMail/PDF
Customer-specific cost center/dept.
Incurred costs
Consolidated invoice, VAT
Flexible repayment support
OCR/SEPA
Over-/underpayment handling
Unidentified payment handling/suspense account
Debt collection
Reminders
Integrations with debt collection companies
Status and payments
Group and manual write-downs
Accounting & reporting
P&L per loan and customer
Integrated Power BI
Integrated real-time accounting
Accruals and deferrals
Assets / write offs
Customer self service page
Built-in standard functionality
Can integrate with your existing front-end solution
Compliance
Local
Adjust to local regulations.
GDPR compliant
Personal data handled right.
Give Risk & Compliance the control they need
Add risk & compliance tools to your application process to get real-time analytics and control.
Audit trail
A complete record of all activities and events on every application.
Change tracking
Built-in version control.
User roles.
DORA ready
Ready for the Digital Operational Resilience Act (DORA).
Visual overview
A visual overview of all processes and data-sources that everyone understands.
What we did for Lea Bank
Stacc delivers a complete solution supporting deposits and loans in Norway, Sweden, Finland and Spain.
Plug & Play Integrations
Complete integrations catalogue coming soon!
Multiply applications
Increase the number of loan applications without clients visiting your website.
Scalable
Add multiple loan agents and handle incoming applications with ease.
Fast feedback
Fast feedback to agents and applicants. Short time to decision and cash.
Flexible setup
Configure event communication with each loan agent.
Optional KYC / PEP add on
Enrich incoming credit applications with KYC and PEP information.
Connect with best practice API
Built with industry best practice API defined and ready to go.