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 commercial lending software?

Commercial lending software automates business loan origination from application through disbursement and repayment. Stacc's platform handles term loans, revolving credit, bank guarantees, export credits, and syndicated loans with automated compliance and credit decisioning.

How does traffic light credit decisioning work?

Stacc's traffic light system automates credit decisions: Green means automatic approval, Yellow requires manual review, and Red triggers automatic rejection. This rules-based approach speeds up processing while ensuring consistent, compliant decisions across all applications.

What compliance checks are automated?

The platform automatically retrieves and processes third-party data including KYC verification, AML screening, PEP checks, and sanction list searches. Credit scoring and loan serviceability calculations happen in real-time with full audit trails for regulatory compliance.

Stacc Commercial Lending

Automate the routine. Elevate the decisions that matter.

Free your senior credit team to focus on the commercial analysis, structuring and judgement that earns revenue and reduces risk.

Stacc handles the data capture, scenario modelling, collateral lifecycle and documentation — across the full credit process, from application to full repayment.

Request a Demo

Visit Trust Center

Stacc Commercial Lending

Automate the routine. Elevate the decisions that matter.

Free your senior credit team to focus on the commercial analysis, structuring and judgement that earns revenue and reduces risk.

Stacc handles the data capture, scenario modelling, collateral lifecycle and documentation — across the full credit process, from application to full repayment.

Request a Demo

Visit Trust Center

Stacc Commercial Lending

Automate the routine. Elevate the decisions that matter.

Free your senior credit team to focus on the commercial analysis, structuring and judgement that earns revenue and reduces risk.

Stacc handles the data capture, scenario modelling, collateral lifecycle and documentation — across the full credit process, from application to full repayment.

Request Demo

Trust Center

trusted by 60+ PROGRESSIVE LENDERS and 2,000+ advisors IN THE NORDICS

Impact that speaks for itself

70%

faster case handling prior to automation

50%

faster case handling on the most complex cases

1,000+

collateral agreements per case in live production

90%

reduced manual effort in payout processes and controls

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

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, scalability and flexibility, native to the needs of Nordic lenders

We help SMB lenders improve Cost/Income ratios - and gain market share

Efficiency

Jump-start advanced commercial underwriting where it matters
Streamline collateral handling with linear processes and a modular platform
Handle deviations with automated routine task delegation to junior staff

Efficiency

Jump-start advanced commercial underwriting where it matters
Streamline collateral handling with linear processes and a modular platform
Handle deviations with automated routine task delegation to junior staff

Scalability

Use one platform for the entire credit process, all commercial credit facilities - and all credit products
Use one platform for all channels, teams, markets, backend and frontend
Enjoy modern cloud elasticity

Scalability

Use one platform for the entire credit process, all commercial credit facilities - and all credit products
Use one platform for all channels, teams, markets, backend and frontend
Enjoy modern cloud elasticity

Flexibility

Leverage our modular and interchangeable services (e.g. risk scoring, pricing)
Automate with 200+ Nordic integrations and workflow configurability
Perform with Nordic regulations built-in, not bolted-on
Change credit orchestration rules dynamically
Deploy with a cloud, core and data agnostic platform

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

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

Forecasting and investment plans

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

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.

Commercial Real Estate

From property import to commercial mortgage registration

Probably the deepest CRE underwriting workflow in the Nordics — one workflow, one data model.

Import

Import property, liens and lease data from property registries and the core banking system.

Analyse

Analyse contract-level rental income, owner costs, vacancy and letting potential.

Finance and forecast

Finance and forecast cash flow over the forecast period, with rate and rent sensitivity.

Value

Value yield-based valuation with scenario matrix, flowing automatically to the collateral module.

Secure

Secure financing-to-collateral connection matrix, the advisor's primary workspace.

Decide

Decide consolidated credit memo: exposure, coverage, liquidity, valuation per property.

Export

Export agreements, collateral and pledge registration to the core banking system and the land registry.

Flexible analysis at whole-property, building or section level — so the workflow fits the asset, not the other way around.

Why Stacc Commercial Lending

Next-generation, Nordic Commercial lending with Stacc

Cloud-native credit platform

Developed and refined over almost a decade in Nordic production.

One platform from application to pledge registration. Cloud-native, API-first, modular. A market-leading collateral module, real-time liquidity, advanced commercial underwriting — and deep Commercial Real Estate support with property registers across Nordic markets integrated end-to-end.

Innovative company

Superior Time-to-Value

Native compliance and security

Cloud-native credit platform

Developed and refined over almost a decade in Nordic production.

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.

View customer stories

Advanced Underwriting

Data-driven credit decision insights on liquidity and collaterals

End-to-end SMB & commercial credit origination

Innovation Norway simplifies credit process

Advanced Underwriting

Data-driven credit decision insights on liquidity and collaterals

End-to-end SMB & commercial credit origination

Innovation Norway simplifies credit process

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, 3 or 4 products

Each product in Stacc Commercial Lending is API-native and can be delivered standalone or in combination to compose your own commercial lending solution.

Loan origination
Stacc Flow
Credit process platform
Stacc Commercial Underwriting
Liquidity and collaterals engine
Loan Management
Stacc Core
Core credit ledger
Stacc CLM
Client lifecycle management platform

Research & perspectives

View all research

The Stacc way of working

Evaluating Buy or Build for Mortgage Origination Software

AI in Loan Origination: The Case for Credit-Native AI

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.