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 SMB lending software?

SMB lending software automates the loan origination process for small and medium-sized business loans, from application intake through credit decisioning to disbursement and repayment. Stacc's platform handles term loans, revolving credit, and overdraft facilities with built-in compliance and configurable automation levels.

How does Stacc balance automation with human expertise in SMB lending?

Stacc uses a traffic light decisioning system: Green applications are automatically approved, Red are automatically rejected, and Yellow applications are routed to credit analysts for human review. Flexible rules governance lets lenders configure exactly where automation adds speed and where human judgement adds value.

What compliance checks are included in Stacc SMB Lending?

The platform automatically performs KYC verification, AML screening, PEP checks, and sanctions list searches by retrieving and processing third-party data in real-time. Every step is logged with a complete audit trail including who did what, when, and all third-party responses — ensuring full regulatory traceability.

Stacc SMB Lending

Automated where it matters. Human where it counts.

Stacc SMB Lending is a cloud-native, modular loan origination and management platform built for Nordic banks that want to scale small and medium-sized business lending. Powered by a Gartner®-recognised Credit Decision Engine.

Serve more SMB customers profitably with higher STP, lower cost per case and stronger RORAC.

Request a Demo

Visit Trust Center

Stacc SMB Lending

Automated where it matters. Human where it counts.

Serve more SMB customers profitably with higher STP, lower cost per case and stronger RORAC.

Request a Demo

Visit Trust Center

Stacc SMB Lending

Automated where it matters. Human where it counts.

Serve more SMB customers profitably with higher STP, lower cost per case and stronger RORAC.

Request Demo

Trust Center

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

Impact that speaks for itself

95%

STP rate on unsecured credit cases up to 2 MEUR

70%

faster case handling for secured SMB & commercial loans

80%

reduced inquiries to customer support centre

90%

reduced manual effort in payout 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

Both automation and advanced commercial underwriting

The ultimate combination for SMB lenders

Automating a high share of tasks across all process steps of SMB lending cases

Application intake

Automatic credit score

Credit decision & proposal

Document production, signing and collateral & 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 SMB lending operations change with Stacc

FROM

TO

Narrow automatic track where manual cases stay manual

Automation widens; advisors focus only on what needs them

Fragmented systems with handoffs and rekeying

One unified & composable platform across the credit process

Credit policy change means a project and queue

Business owns the rules, simulates and ships

Compliance layered on top

Compliance built inside the process, with one audit trail

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

Lift STP rate, cut cost per case and shorten processing time - by automating a high share of tasks across all process steps
Handle deviations with automated routine task delegation to junior staff
Jump-start advanced commercial underwriting where it matters
Streamline collateral handling with linear processes and a modular platform

Scalability

Use one platform for both business and individual financials of sole proprietorships
Use one platform for the entire credit process, all SMB 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 both business and individual financials of sole proprietorships
Use one platform for the entire credit process, all SMB 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 decision rules dynamically with no-code tools, configuration and simulation
Deploy with a cloud, core and data agnostic platform

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 decision rules dynamically with no-code tools, configuration and simulation
Deploy with a cloud, core and data agnostic platform

Credit situations

A comprehensive solution for SMB lending

Our solution supports a broad range of credit situations

Borrower complexity

Sole proprietorships
Small business
Corporate
Subsidiary

Credit exposure form

Term lending
Revolving credit facility
Drawdown facility
Assert-based loan
Leasing
Guarantees

Credit lifecycle

New credit origination
Credit change & events
Monitoring & review

Industry

Business
Commercial Real Estate
Agriculture
Fishing and aquaculture
Energy
Shipping

Borrower situation

Start-up
Expansion
M&A
Refinance

Borrower complexity

Sole proprietorships
Small business
Corporate
Subsidiary

Borrower situation

Start-up
Expansion
M&A
Refinance

Industry

Business
Commercial Real Estate
Agriculture
Fishing and aquaculture
Energy
Shipping

Credit lifecycle

New credit origination
Credit change & events
Monitoring & review

Credit exposure form

Term lending
Revolving credit facility
Drawdown facility
Assert-based loan
Leasing
Guarantees

Borrower complexity

Sole proprietorships
Small business
Corporate
Subsidiary

Credit lifecycle

New credit origination
Credit change & events
Monitoring & review

Borrower situation

Start-up
Expansion
M&A
Refinance

Credit exposure form

Term lending
Revolving credit facility
Drawdown facility
Assert-based loan
Leasing
Guarantees

Industry

Business
Commercial Real Estate
Agriculture
Fishing and aquaculture
Energy
Shipping

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, backend and frontend.

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, 200+ pre-built integrations, 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 SMB lending.

Customer stories

Don't just listen to us

Explore customers' own accounts of how Stacc is transforming SMB lending.

View customer stories

Advanced Underwriting

Data-driven credit decision insights on liquidity and collaterals

Nordic SMB onboarding and credit origination

Elkjøp Nordic automates solutions for credit purchases with Stacc's platform

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

Nordic SMB onboarding and credit origination

Elkjøp Nordic automates solutions for credit purchases with Stacc's platform

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
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 & 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
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
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
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 & 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
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
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

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
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 & 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
Collaboration and flexibility of the solution
Stacc SMB & Commercial Lending customer
Collaboration and flexibility of the solution
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
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 & Commercial Lending customer
I wish all suppliers would work with us the way you do
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
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

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, with deep industry-specific support, such as Commercial Real Estate (CRE): contract-level rental income, yield-based valuation and sensitivity on rates and vacancy

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

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 across back-end and front-end.

Credit process platform

World-class, credit-native origination

We have everything you need to streamline SMB credit origination across back-end and front-end.

Credit process platform

World-class, credit-native origination

We have everything you need to streamline SMB credit origination across back-end and front-end.

Explore more

Decision Engine Editor

Decision Engine Simulator

AI-assistance

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

AI-assistance

Credit Process Tool

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

AI-assistance

Credit Process Tool

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, 3 or 4 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
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

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

e-Signatures

Data & documentation

KYC/KYB & AML checks

Credit scoring

MyPage

A self-service portal where customers can track or manage their application or current loan

Track application status

Request refinancing

Request interest-only period or payment holiday

Make additional payments

Change due date

Touchpoints

Additional touchpoints to support customer connection

Customer chat

SMS/E-mail notification

Automated reminders

API integrations with 3rd party platforms

Explore related solutions for SMB lenders

Credit Card Origination

Superfast onboarding and credit origination

Embedded Finance for Merchants

Accelerate your growth with customer financing options

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 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.