Corporate Lending

Make better credit decisions. Fast and automated.

Eliminate costly manual work across spreadsheets prone to compliance issues with Corporate Lending from Stacc, revolutionising the entire credit process from application to full repayment.

Corporate Lending

Make better credit decisions. Fast and automated.

Eliminate costly manual work across spreadsheets prone to compliance issues with Corporate Lending from Stacc, revolutionising the entire credit process from application to full repayment.

Corporate Lending

Make better credit decisions. Fast and automated.

Eliminate costly manual work across spreadsheets prone to compliance issues with Corporate Lending from Stacc, revolutionising the entire credit process from application to full repayment.

Corporate Lending

Make better credit decisions. Fast and automated.

Eliminate costly manual work across spreadsheets prone to compliance issues with Corporate Lending from Stacc, revolutionising the entire credit process from application to full repayment.

A unique combination of solutions

A unique combination of solutions

Our solution allows fully digital and automated processes, enabling a sped up credit process.

Our solution allows fully digital and automated processes, enabling a sped up credit process.

Process automation platform

Handles the complete origination process

Handles financial analysis and advisory

Core ledger

Handles lifecycle management of loans and credits

From digital application to signing

From digital application to signing

Stacc offers an end-to-end and cloud-based SaaS solution that supports the complete corporate lending process, from credit application to full repayment.

Stacc offers an end-to-end and cloud-based SaaS solution that supports the complete corporate lending process, from credit application to full repayment.

Compliance requirements

Compliance requirements

Stacc Corporate Lending covers the complete origination process including digital and automated application, onboarding, and credit process including automatic retrieval and processing of data from 3rd party sources like KYC, AML, PEP and sanction list controls, credit score and calculation of loan serviceability.

The solution also streamlines everyday life for the bank, case handlers and financial advisors, providing efficient support for tasks that require a "human touch". 

Flexible automation

Flexible automation

The solution includes flexible rules that govern the degree of automation and score each loan application according to the "traffic light principle”: green (automatic approval), yellow (requires manual processing), or red (automatic rejection).

For applications scored as “green”, the solution automatically generates relevant loan documents and sends these for digital signing. The solution also handles all interaction with the customer and any sales agent during the process.

Make better credit decisions faster and easier

For many years, corporate lending has lagged behind retail lending and mortgages in terms of system support.

Many banks still operate with highly manual processes, which drive costs and increase risk of non-compliance. Simultaneously, new regulatory requirements and higher customer expectations require efficient, standardized and automated credit processes.

Stacc Corporate Lending comes with a case management solution for manual case handling of “yellow” applications including integrated services for financial analysis and decision support. All roles involved in the corporate lending process operate in the same case management interface, where tasks are automatically allocated to the right role, according to the defined process. The result is significant boost in efficiency, quality and audit trail.

significant benefits

Here's what makes our solution stand out

Navigator by design

The solution constantly informs and guides the case handlers about which tasks must be done, and in what order. Process-oriented case management eliminates the need for substantial training and specialist skills to be able to use the solution - they can focus on being good advisors and credit experts.

Automated follow ups

The system takes care of all the need for follow-up, reminders, notifications, and deadlines - timer functions provide automatic notifications and task allocations.

No more paper moving

Automated document production and document completion, with digital signing by all parties.

Any type of company in any situation

The solution calculates key figures and creates forecasts for individual companies, sole proprietorships, subsidiaries and groups of companies. The financial analysis enables the advisor to simulate future outcomes and risks, in order to calculate serviceability, either the company is a start-up, a company in crisis or a company investing in new growth opportunities.

Any product – any type of pledge

Examples of supported products are; agriculture loans, Start-up loans, term loans, revolving credits, bank guarantees, export credits, syndications. Also, combinations of loan products, grant and guarantee products fully supported. The system has ready-made judicial registration for more than 30 types of pledges, including all types of movables and real estate.

Efficient end-user involvement

Assign tasks to the customer directly though the interface when needed– when the task is completed, the case gets reallocated to case manager including relevant notifications.

Add whatever integrations that suit your needs

The solution easily integrates with internal and external used to provide decision support and information as part of case management, as well as storage of updated data for archival purposes.

Self-service portal

Self-service portal for changes in products, interest rates, business rules and more: case managers/super users have a interface where they can adjust products and process, directly to production without involving Stacc.

The complete origination process is logged, including each step, who did what and when, including answers from 3rd party data sources. This ensures traceability and documentation for later audits, analysis of the origination process regarding tuning, and improvements. Customer data is handled according to GDPR compliance requirements. 

The complete origination process is logged, including each step, who did what and when, including answers from 3rd party data sources. This ensures traceability and documentation for later audits, analysis of the origination process regarding tuning, and improvements. Customer data is handled according to GDPR compliance requirements. 

From disbursement to full repayment 

From disbursement to full repayment 

For Corporate lending you can use Stacc's core solution, or we can integrate the complete origination process with your existing core system, following a "bring your own" principle.

For Corporate lending you can use Stacc's core solution, or we can integrate the complete origination process with your existing core system, following a "bring your own" principle.

core ledger

core ledger

Core pragmatic

Core pragmatic

Stacc is pragmatic in acknowledging that different companies have different IT strategies: some prefer core banking system replacements, some opt for establishing a parallel bank to manage a fighter brand, while others want to retain their existing core solution. We are familiar with all variants.

Stacc is pragmatic in acknowledging that different companies have different IT strategies: some prefer core banking system replacements, some opt for establishing a parallel bank to manage a fighter brand, while others want to retain their existing core solution. We are familiar with all variants.

Powered by Microsoft

Stacc Core is based on the Microsoft Dynamics 365 Business Central platform, which is compatible with other Microsoft products like Windows, Office, and Power BI.

The solution includes the following overall functions:

Ledger

Disbursement of loans and credits

Automated lifecycle of loans and credits

Integrated accounting solution

Standardised web platform

Role-based access

User friendly GUI, responsive design

Highly automated lifecycle handling

Compliance built-in

Integrated accounting solution

Security by design

API-first strategy

3rd party plugins

Cloud ready, multi-country, multi-currency

The disbursement process

If you want to use Stacc Core, the granted loan or credit is automatically created in the core solution after the documents are signed. Core will then handle the complete life cycle management of loans and credits from disbursement to full repayment.

The disbursement process consists of the following steps:

1

Account opening including automatic assignment of a loan account number

2

Registration of roles and customer data in the customer register

3

Registration of collateral in the collateral module

4

Calculation of repayment plan

5

Registration of the repayment plan in the due register

6

Transfer of money and eventually repayment of other loans

7

Bookkeeping in the integrated accounting solution

8

Handling of over and underpayments

Hassle-free operations 

Stacc Core includes various forms of processes to be run periodically.

Most of the processes are run automatically at a fixed interval and at a given time, while other jobs can be started manually if you want to perform a 4-eye control:

Payouts of loans

Calculation of interest & fees

Interest changes

Invoicing

Reminders

Payments

Debt collection

Accounting

Loss write-offs

Customer statements

Termination

Tax reporting

Full overview

Stacc Core consist of a dashboard in responsive design that provides a full overview of the status of the various processes, whether it is planned, ongoing or jobs that have failed.

The dashboard has drill down options that show details of what has failed, and you can correct the error there and then. In this way, you do not have to spend a lot of unnecessary time searching for errors, you can stay ahead of situations, avoid complaints and improve customer satisfaction.

Supporting digital services

Based on API’s, straight through processing and real-time updates, Stacc Core is highly suitable for offering omnichannel services such as:

My page customer view

Digital documents

Application for payment-free period

Extraordinary payments of loans

Change of debit account

Change of due date

Change of term amount

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