Stacc
Stacc is a Norwegian fintech that provides a cloud-native, composable credit and lending platform for Nordic financial institutions, covering origination, underwriting, servicing, and back-office operations. It serves over 115 banks and financing companies, including Tier 1 Nordic banks, via multi-year ARR contracts.
- Company typePrivate
- Founded2016
- HeadquartersBergen, Norway
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Stacc does
Stacc AS is a Norwegian-headquartered fintech software company that delivers a cloud-native, API-native, and AI-assisted credit platform for financial institutions, primarily banks and financing companies across the Nordics. The company was founded in 2016 in Bergen as a spinout and rebrand of Knowit's CVision division, and has since grown to approximately 250 employees across offices in Bergen, Oslo, Stockholm, Skövde, and Aarhus. Its core platform is structured around Stacc Flow (the credit process orchestration engine for origination, management, and back-office operations) and Stacc Core (the credit ledger built on Microsoft Dynamics 365 Business Central), supported by 200+ pre-built integrations and a Gartner-recognized Credit Decision Engine. Modular building blocks cover mortgage underwriting, commercial underwriting, asset finance, KYC/AML, invoice lifecycle, deposits, and consumer lending, organized into vertical suites.
Stacc's business model is a multi-year Annual Recurring Revenue (ARR) subscription model targeting mission-critical enterprise software deployments, supplemented by professional services for implementation and consulting. The company reports contracted ARR growth of 35% YoY organically and serves 115+ financial institutions (with 280+ cited for cloud-native technology usage), including Nordic Tier 1 banks such as DNB, Nordea Finance, and Gjensidige. The company has executed 11 acquisitions since inception, including Quesnay (2021), The Farm Interactive (2022), StoEr Technologies (2023), and Bytelab A/S (2023), making it a programmatic consolidator of Nordic credit technology. Ownership is concentrated with Amp Eleven (56.6%) and Verdane, alongside founders and management. As of 2025, revenue stood at 324 MNOK with 45% generated outside Norway.
Stacc firmographics
Firmographics- Name
- Stacc
- Legal name
- Stacc AS
- Website
- https://stacc.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Stacc is a Norwegian fintech that provides a cloud-native, composable credit and lending platform for Nordic financial institutions, covering origination, underwriting, servicing, and back-office operations. It serves over 115 banks and financing companies, including Tier 1 Nordic banks, via multi-year ARR contracts.
- Ownership category
- akta.pro rank
Stacc industry classification
Industry- Product category
- Lending Technology
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199), Miscellaneous Business Credit Institution (6159), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industries
- Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Embedded Card Issuing & Card-as-a-Service (FSAGALAC)
Keywords
Where Stacc is headquartered
LocationHeadquarters
- HQ city
- Bergen
- HQ country
- Norway
- HQ region
- Europe
Offices5 records
Markets served
Stacc business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Subscription ARR (Annual Recurring Revenue): Multi-year Annual Recurring Revenue subscription model for mission-critical integrated enterprise software. Contracted ARR growing 35% YoY organically with strong renewal rates and through-cycle predictability.
- Professional Services: Implementation and consulting services for enterprise deployments including system integrator partner model.
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Stacc product offering
Product offeringCore offering
Stacc delivers a composable, cloud-native credit and lending platform for financial institutions, providing origination, decisioning, ledger, and back-office operations anchored by a Gartner-recognized Credit Decision Engine and 200+ pre-built integrations. Offerings span mortgage, consumer, SMB, commercial, and asset finance lending, plus KYC/AML, deposits, and invoice finance, deployed natively on Microsoft Business Central.
Product overview
Stacc delivers a composable, cloud-native credit and lending platform structured as a core platform (Stacc Flow — the credit process orchestration engine, and Stacc Core — the core credit ledger on Microsoft Business Central) plus a set of modular building blocks (underwriting engines, asset finance modules, KYC/AML management, invoice lifecycle) that collectively power origination, management and back-office operations. The product portfolio is organized into vertical suites — Mortgage Suite, SMB Lending, Asset Finance Suite (encompassing automotive finance, equipment finance, fleet management, car leasing, car subscription and car configuration), Consumer Lending (including credit card origination and embedded finance), Commercial Lending, KYC & AML Management, Deposits, and Invoice Suite — all sharing the same API-native, composable architecture and drawing on shared automation, compliance and integration layers.
Differentiator
Problem solved
Functional benefit
Brands
- Stacc Flow: Credit process platform for origination, management and back-office operations
- Stacc Core
- Stacc Mortgage Underwriting
- Stacc Commercial Underwriting
- Stacc Commerce
- Stacc Asset Connect
- Stacc Invoice
- Stacc CLM
- Stacc Bytelab
- Stacc Farm
- Stacc StoEr
Products and services
- Stacc Flow
Quantifiable outcome
- 80% reduction in loan cycle time at numerous institutions
- +5 more outcomes
Companies that use Stacc
Customer profileNamed customers12 records
Segments3 records
Ideal customer profiles1 record
Stacc technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability6 records
Feature8 records
Stacc partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered major, core and minor.
- Söderberg & PartnersmajorSwedish financial advisory and intermediary company. Distribution agreement for sale of Stacc's solutions in Sweden. StoEr developed automated platform for mortgage distribution through credit intermediaries issued by Swedish credit institution Borgo.
- MicrosoftcoreStrategic cloud platform partnership. Stacc Core Ledger based on Microsoft Dynamics 365 Business Central. Lea Bank described as world's first bank running in Azure Cloud.
- EnfucemajorCard issuer partnership for OKQ8 Scandinavia combining Enfuce's card issuing with Stacc's KYC/AML management for B2B/B2C credit card customers in Sweden and Denmark.
- TrefadderminorNature-based climate action partner providing carbon credits through carbon capture from Norwegian climate forests. Compensates for Scope 1 and Scope 2 emissions using local jobs.
Scale indicators21 records
Recent moves10 records
Expansion highlights6 records
Stacc competitors and assessment
Company assessmentRegional players
- Signicat: Signicat is a Norwegian-trusted digital identity and KYC/AML provider serving Nordic banks and financial institutions, directly comparable to Stacc's CLM (formerly Quesnay) offering. Both serve regulated financial institutions with compliance and onboarding technology from the Nordics.
- TietoEVRY: TietoEVRY is a Nordic-headquartered IT services and software company with established banking and credit software offerings serving the same regional customer base as Stacc. It is a regional incumbent with broader IT services rather than a pure-play credit platform competitor.
Direct peers
- nCino: nCino is a cloud-native bank operating system with deep Loan Origination System (LOS) and Loan Management capabilities, directly competing with Stacc Flow in mortgage, SMB, and commercial lending. Both platforms target regulated financial institutions with composable, API-native architectures and have been named Chartis Category Leaders.
- Mambu: Mambu is a cloud-native composable banking platform serving lenders, neobanks, and fintechs with loan origination and deposit capabilities. Its SaaS architecture and target customer profile (mid-market banks, financing companies, embedded finance) closely mirror Stacc's value proposition.
- Loxon Solutions: Loxon is a European loan management and origination software provider, particularly strong in Central and Eastern Europe, that competes with Stacc's lending modules. Both target banks and financing companies with workflow-driven credit automation.
- Thought Machine: Thought Machine provides cloud-native core banking and lending technology built on a cloud-first, API-driven architecture, targeting Tier-1 and challenger banks globally. Its focus on replacing legacy core systems with composable technology places it in direct competition with Stacc Flow and Stacc Core.
Broad incumbents
- Temenos: Temenos is a Swiss-headquartered global banking software incumbent offering a broad portfolio that includes loan origination, mortgage, and core banking. It overlaps with Stacc across lending and deposit modules but addresses a much wider functional footprint and larger bank segment.
- Finastra: Finastra is a large global financial software provider whose lending, mortgage, and core banking products compete with Stacc's portfolio at large financial institutions. It is a broad incumbent with overlapping capabilities rather than a niche specialist in Nordic credit automation.
- Sopra Banking Software: Sopra Banking Software is a European banking platform provider offering lending, mortgage, and core banking products to banks across Europe. As a broad incumbent, it overlaps with Stacc's lending portfolio but serves a wider functional footprint and broader European customer base.
Emerging players
- Enfuce: Enfuce is a Nordic card-issuing and embedded finance platform that partners with Stacc on the OKQ8 program but also operates in adjacent card issuance territory. It represents an emerging player whose card-as-a-service offering overlaps with Stacc's embedded card capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Stacc social profiles
Digital presenceStacc compliance and trust
Trust signalCompliance3 records
Stacc financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stacc leadership team
Management profileNumber of profiles
Stacc subsidiaries and ownership
Company hierarchySubsidiaries10 records
Stacc funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stacc M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stacc
What does Stacc do?
Stacc delivers a composable, cloud-native credit and lending platform for financial institutions, providing origination, decisioning, ledger, and back-office operations anchored by a Gartner-recognized Credit Decision Engine and 200+ pre-built integrations. Offerings span mortgage, consumer, SMB, commercial, and asset finance lending, plus KYC/AML, deposits, and invoice finance, deployed natively on Microsoft Business Central.
Is Stacc a public or private company?
Stacc is a private company. It is classified as venture growth investor backed and is currently operating.
When was Stacc founded?
Stacc was founded in 2016. It employs 101 to 250 people.
Where is Stacc based?
Stacc is headquartered in Bergen, Norway, in the Europe region.
How does Stacc make money?
Two revenue lines are on record. Subscription ARR (Annual Recurring Revenue) is the primary driver. The others are professional Services.
Who are Stacc's main competitors?
Regional players on record are Signicat and TietoEVRY. Direct peers are nCino, Mambu, Loxon Solutions and Thought Machine. Broad incumbents are Temenos, Finastra and Sopra Banking Software. Enfuce is listed as an emerging player.
Does Stacc have an API?
Yes. Stacc's platform is described as 'API-native' with modules spanning origination, management and back-office operations, and features '200+ pre-built integrations'. The platform is also described as having a 'Gartner® recognised Credit Decision Engine' and supports integrations for CRM, ERP, tolls, payment systems, and customer communication. No dedicated API documentation URL or developer portal is explicitly listed.
What industry is Stacc in?
Stacc's product category is Lending Technology. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAGALAK, Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes). Its NAICS code is 5223 and its SIC code is 6199.