Stacc

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.

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

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

• Credit platform software
• Loan origination systems
• Lending technology
• Mortgage automation
• KYC compliance

Headquarters

HQ city

Bergen

HQ country

Norway

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. 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.
2. 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

Core 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

Named customers12 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability6 records

Feature8 records

Partnerships

Four partnerships are on record, tiered major, core and minor.

• Söderberg & PartnersmajorChannel Partner/ Reseller/ Distributor · 21 June 2023Swedish 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.
• MicrosoftcoreTechnology or IntegrationStrategic 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.
• EnfucemajorChannel Partner/ Reseller/ DistributorCard 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.
• TrefadderminorStrategic or Co-development PartnerNature-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

Regional 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

• YouTubeyoutube.com/@stacc_fintech
• LinkedInlinkedin.com/company/stacc---the-fintech-platform-company
• Instagraminstagram.com/stacc_fintech
• Xx.com/stacctweets

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stacc