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

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.

Request a Demo

Visit Trust Center

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.

Request a Demo

Visit Trust Center

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.

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

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

Efficiency

Jump-start advanced commercial underwriting where it matters
Handle all collaterals intuitively across all process steps
Manage rule and policy deviations in task-based manner with junior staff

Efficiency

Jump-start advanced commercial underwriting where it matters
Handle all collaterals intuitively across all process steps
Manage rule and policy deviations in task-based manner with 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 and markets
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 and markets
Enjoy modern cloud elasticity

Nordic flexibility

Leverage our modularity and interchangeable services (e.g. risk scoring, pricing)
Automate the Nordic way
Change decision rules dynamically with no-code tools and simulation
Deploy with a cloud, core and data agnostic platform

Nordic flexibility

Leverage our modularity and interchangeable services (e.g. risk scoring, pricing)
Automate the Nordic way
Change decision rules dynamically with no-code tools and simulation
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.

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

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 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
Stacc Flow
Credit process platform
Stacc Commercial Underwriting
Liquidity and collaterals engine
Loan servicing
Stacc Core
Core credit ledger

Research & perspectives

View all research

The Stacc way of working

Evaluating Buy or Build for Credit and Loan Origination Software

AI in Loan Origination: Charting the future of banking with Stacc

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Experience the modern, highly automated and intelligent value of Stacc Commercial Lending

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