Consumer Lending Software

Consumer Lending Software

Consumer Lending Software

Fast. Flexible. Automated. Efficient.

Fast. Flexible. Automated. Efficient.

Fast. Flexible. Automated.
Efficient.

Our Consumer Lending Software offers automated loan origination, task-based case management and smart loan servicing. It lets you handle the entire loan lifecycle with the speed and control you need.

Our Consumer Lending Software offers automated loan origination, task-based case management and loan servicing. It lets you handle the entire loan lifecycle with the speed and control you need.

Get to market fast

Fully automated

Cloud native, API first

Scalable for all

Consumer Lending products

Consumer Lending products

We support all types of unsecured loans

We support all types of unsecured loans

Stacc's Consumer Lending Software provides an end-to-end solution for unsecured loans, tailored to local requirements.

Stacc's Consumer Lending Software provides an end-to-end solution for unsecured loans, tailored to local requirements.

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Unsecured loans

Solve your clients needs, no collateral required.

Forbrukslån (Norway)

Forbrukslån (Norway)

Blankolån (Sweden)

Blankolån (Sweden)

Kulutuslaina (Finland)

Kulutuslaina (Finland)

Forbrugslån (Denmark)

Forbrugslån (Denmark)

Préstamo personal (Spain)

Préstamo personal (Spain)

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Refinancing

Merge loans and improve conditions effectively

Refinansieringslån (Norway)

Refinansieringslån (Norway)

Låneförmedling (Sweden)

Låneförmedling (Sweden)

Jälleenrahoitus (Finland)

Jälleenrahoitus (Finland)

Refinansieringslån (Denmark)

Refinansieringslån (Denmark)

Refinanciamiento (Spain)

Refinanciamiento (Spain)

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Revolving credit

Flexible funds, whenever your clients need them.

Rammekreditt (Corporate, Norway)

Rammekreditt (Corporate, Norway)

Kontokredit (Sweden)

Kontokredit (Sweden)

Joustava luotto (Finland)

Joustava luotto (Finland)

Revolving kredit (Denmark)

Revolving kredit (Denmark)

Crédito rotativo (Spain)

Crédito rotativo (Spain)

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.

Release new products and adapt quickly to customer needs

Release new products and adapt quickly to customer needs

Release new products and adapt quickly to customer needs

Release new products and adapt quickly to customer needs

Provide your customers with ultrafast application feedback

Provide your customers with ultrafast application feedback

Provide your customers with ultrafast application feedback

Provide your customers with ultrafast application feedback

Easily adapt to regulatory requirements

Easily adapt to regulatory requirements

Easily adapt to regulatory requirements

Easily adapt to regulatory requirements

Reduce 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.

Mix automation, robotics (RPA) and manual tasks in the same process

Mix automation, robotics (RPA) and manual tasks in the same process

Mix automation, robotics (RPA) and manual tasks in the same process

Mix automation, robotics (RPA) and manual tasks in the same process

Identify bottlenecks and increase conversion rates

Identify bottlenecks and increase conversion rates

Identify bottlenecks and increase conversion rates

Identify bottlenecks and increase conversion rates

Test and adapt business rules on the go

Test and adapt business rules on the go

Test and adapt business rules on the go

Test and adapt business rules on the go

Connect to anything

Cloud native, API first.

Our solution is “born in the cloud” and leverages all the benefits of secure & compliant cloud technology​.

Full API support

Full API support

Full API support

Full API support

Extensive service catalogue with hundreds of 3rd party integration partners

Extensive service catalogue with hundreds of 3rd party integration partners

Extensive service catalogue with hundreds of 3rd party integration partners

Extensive service catalogue with hundreds of 3rd party integration partners

Change and improve continously without delay

Change and improve continously without delay

Change and improve continously without delay

Change and improve continously without delay

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.

Composable Lending

Composable Lending

Design the perfect customer journey

Design the perfect customer journey

Merge great user experiences with efficient case management.

Merge great user experiences with efficient case management.

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.

Consumer Lending & Deposits

Consumer Lending & Deposits

Consumer Lending & Deposits

Corporate Lending

Corporate Lending

Corporate Lending

Loan Origination and Case Management

Loan Origination and
Case Management

Accelerate incoming applications

Accelerate incoming applications

Process

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

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Identify and fix bottlenecks

  • Track all ongoing applications real-time

  • Identify bottlenecks

  • Automate reminders to increase conversion rates

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Inbound applications

  • Collect customer application data

  • Connect to custom forms and front-end

  • Loan Agent module available

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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

Measure

Credit scoring and decision

  • Integrate with any 3rd party tools and data sources

  • Set business rules and automate decisions

  • Enables risk-based pricing

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Compliance built-in

  • Know Your Customer (KYC)

  • Anti Money Laundering (AML)

  • Politically Exposed Person (PEP)

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Traffic light principles

  • Rule based automation

  • Green (automatic approval)

  • Yellow (requires manual processing)

  • Red (automatic rejection)

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Offer and signing

  • Automated document generation

  • Customer gets notified of loan offer

  • Digital ID and signing

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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

 Gradually transition from existing legacy solutions at your own pace.

Product Setup and Loan Servicing

Product Setup and Loan Servicing

Manage products and loan repayment

Manage products and loan repayment

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Loan life cycle handling

  • Payout

  • Repayment plan

  • Customer statements

  • Reminders

  • Debt collection

  • Interest changes

  • Reporting

  • Termination

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Disbursement

  • Money transfer

  • Redemption of other loans

  • Interim conditions

  • Multiple disbursements

  • Currencies

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Interests & fees

  • Calculation and capitalisation of interests, fees and commissions.

  • Upfront amount, interest split, startup fee split, term fee split, annuity split.

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Billing & Collection

  • Interest calculation engine

  • Automated billing engine, eInvoice, eMail/PDF

  • Customer-specific cost center/dept.

  • Incurred costs

  • Consolidated invoice, VAT

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Flexible repayment support

  • OCR/SEPA

  • Over-/underpayment handling

  • Unidentified payment handling/suspense account

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Debt collection

  • Reminders

  • Integrations with debt collection companies

  • Status and payments

  • Group and manual write-downs

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Accounting & reporting

  • P&L per loan and customer

  • Integrated Power BI

  • Integrated real-time accounting

  • Accruals and deferrals

  • Assets / write offs

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Customer self service page

  • Built-in standard functionality

  • Can integrate with your existing front-end solution

Compliance

Compliance made uncomplicated

Compliance made uncomplicated

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Local

Adjust to local regulations.

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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.

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Change tracking

Built-in version control.

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Acces control
Access control
Access control

User roles.

DORA ready

Ready for the Digital Operational Resilience Act (DORA).

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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.

Consumer Lending & Deposits

Consumer Lending & Deposits

Consumer Lending & Deposits

Corporate Lending, Factoring and invoice purchase

Corporate Lending, Factoring and invoice purchase

Corporate Lending, Factoring and invoice purchase

Plug & Play Integrations

Get an unfair advantage in the market

Get an unfair advantage in the market

Together with our integration partners, we enable next-level digitisation and automation.

Together with our integration partners, we enable next-level digitisation and automation.

Asiakastieto logo
Asiakastieto logo
Asiakastieto logo
Asiakastieto logo
Axactor logo
Axactor logo
Axactor logo
Axactor logo
BankGiroCentralen logo
BankGiroCentralen logo
BankGiroCentralen logo
BankGiroCentralen logo
CIRBE
CIRBE
CIRBE
CIRBE
CM1 logo
CM1 logo
CM1 logo
CM1 logo
DSOP logo
DSOP logo
DSOP logo
DSOP logo
Dun & Bradsteet logo
Dun & Bradsteet logo
Dun & Bradsteet logo
Dun & Bradsteet logo
Experian logo
Experian logo
Experian logo
Experian logo
Gjeldsregisteret logo
Gjeldsregisteret logo
Gjeldsregisteret logo
Gjeldsregisteret logo
Incofisa logo
Incofisa logo
Incofisa logo
Incofisa logo
Intrum logo
Intrum logo
Intrum logo
Intrum logo
Kredinor logo
Kredinor logo
Kredinor logo
Kredinor logo
Lowell logo
Lowell logo
Lowell logo
Lowell logo
Norsk Gjeldsinformasjon logo
Norsk Gjeldsinformasjon logo
Norsk Gjeldsinformasjon logo
Norsk Gjeldsinformasjon logo
OK Perintä logo
OK Perintä logo
OK Perintä logo
OK Perintä logo
Orbyt logo
Orbyt logo
Orbyt logo
Orbyt logo
Provenir logo
Provenir logo
Provenir logo
Provenir logo
Raisin logo
Raisin logo
Raisin logo
Raisin logo
Riverty logo
Riverty logo
Riverty logo
Riverty logo
Skatteetaten logo
Skatteetaten logo
Skatteetaten logo
Skatteetaten logo
TIBCO Statistica
TIBCO Statistica
TIBCO Statistica
TIBCO Statistica

Complete integrations catalogue coming soon!

Loan Agent module

Loan Agent module

Connect to Loan Agents easily

Connect to Loan Agents easily

35+ agents connected in the Nordics

35+ agents connected in the Nordics

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Multiply applications

Increase the number of loan applications without clients visiting your website.

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Scalable

Add multiple loan agents and handle incoming applications with ease.

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Fast feedback

Fast feedback to agents and applicants. Short time to decision and cash.

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Flexible setup

Configure event communication with each loan agent.

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Optional KYC / PEP add on

Enrich incoming credit applications with KYC and PEP information.

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Connect with best practice API

Built with industry best practice API defined and ready to go.

Contact us

Contact us

How can we help?