LOXON
Loxon is a privately held Hungarian software company that builds integrated credit management software, including origination, risk, early warning, and collection solutions, for banks and financial institutions across more than 30 countries, delivered as cloud-native SaaS, on-premises licenses, and professional services.
- Company typePrivate
- Founded2000
- HeadquartersBucharest, Romania
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What LOXON does
Loxon Solutions Zrt. is a privately held Hungarian software company founded in 2000 that builds integrated credit management software for banks and non-bank financial institutions across the lending lifecycle: origination, risk assessment, collateral management, early warning, collections, and regulatory reporting (Basel II/III, IFRS 9). The product portfolio centers on the Collection Business Solution (delivered both as cloud-native SaaS and on-premises), the Risk Suite (Rating/Scoring, Collateral Management, Early Warning, IFRS 9), Retail and Corporate Lending Systems, and an Oracle Financial Services Analytical Applications (OFSAA) practice. The platform is built on a low-code/no-code architecture with an API builder, segmentation management, workflow designer, and UI builder, enabling institutions to configure credit and collection processes without extensive custom development.
Loxon monetizes through custom enterprise pricing combining multi-year SaaS subscriptions, on-premises software licenses, and professional services for implementation, integration, and customization. The company is GDPR compliant and works across cloud and on-prem deployment to accommodate bank data residency requirements. AI capabilities are embedded across the product suite, spanning ML-based risk scoring, generative AI for document processing and personalized communications, anomaly detection for early hardship identification, and a documented framework for governed autonomous decision systems combining models, rules, and human oversight.
The company sells primarily through direct enterprise field sales, supported by AWS Marketplace and ISV Accelerate co-sell, the Oracle partnership, and a heavy conference-led marketing motion. Customers span retail and corporate banks, neobanks, leasing companies, and consumer finance institutions across more than 30 countries in CEE, EMEA, and APAC, with named logos including Erste Bank, BRD, QNB, ADIB, Home Credit (deployed in seven countries), Bank Audi, CIB Bank, BBK, Air Bank, BYBLOS, Bank al Ethiad, and the Egyptian Collateral Registry. Headcount exceeds 200 across Budapest (HQ), Bucharest (OFSAA and BI competence centre), Debrecen (AI and low-code innovation centre), Dubai (MEA hub), and Amsterdam (Western European office). Southeast Asia accounts for approximately 25% of revenue in 2025, and the company has received multiple Chartis RiskTech100 and MEA Finance industry recognitions through 2026.
LOXON firmographics
Firmographics- Name
- LOXON
- Legal name
- Loxon Solutions Zrt.
- Website
- https://loxon.eu
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Loxon is a privately held Hungarian software company that builds integrated credit management software, including origination, risk, early warning, and collection solutions, for banks and financial institutions across more than 30 countries, delivered as cloud-native SaaS, on-premises licenses, and professional services.
- Ownership category
- akta.pro rank
LOXON industry classification
Industry- Product category
- Credit Management Software
- NAICS
- Other Computer Related Services (541519)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG)
- akta.pro secondary industry
- Product, Pricing & Eligibility (PPE) / Rate Lock & Pricing Engines (FSALALAC)
Keywords
Where LOXON is headquartered
LocationHeadquarters
- HQ city
- Bucharest
- HQ country
- Romania
- HQ region
- Europe
Offices5 records
Markets served
LOXON business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Subscription: Cloud-native Collection SaaS solution delivered as subscription-based service with no CapEx, no maintenance, and continuous innovation. Includes real-time analytics, AI-powered decisioning, and automatic updates.
- On-Premises Software License: Traditional software deployment model for clients with strict on-premises requirements. Full end-to-end collection system, risk suite, and lending solutions delivered as licensed software.
- Professional Services: Implementation, consulting, and customization services for Oracle Financial Services applications and custom integrations. Includes system integration, data migration, and training.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Custom enterprise pricing based on deployment model and scope |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels9 records
LOXON product offering
Product offeringCore offering
Loxon provides integrated end-to-end credit management software for banks and financial institutions, covering loan origination, risk management and debt collection across the full credit lifecycle. Core offerings include the Loxon Collection Business Solution (available as cloud-native SaaS or on-premises), the integrated Risk Suite (Rating/Scoring, Collateral Management, Early Warning System, IFRS 9), Retail Lending and Corporate Lending Systems, an Oracle Financial Services Analytical Applications (OFSAA) practice, and Basel II/III compliance solutions, all infused with AI-powered decisioning and delivered on a low-code/no-code platform.
Product overview
Loxon offers an integrated credit management platform covering the entire lending lifecycle. The core portfolio includes the Loxon Collection Business Solution (available as SaaS or On-Premises), the Risk Suite (encompassing Rating/Scoring, Collateral Management, Early Warning, and IFRS 9 modules), and Lending solutions (Retail Lending and Corporate Lending Systems). Additional offerings include Oracle Financial Services practice and Basel II/III compliance solutions. The platform is designed for banks and financial institutions seeking end-to-end coverage from loan origination through collections, with AI-powered capabilities for decision automation and risk management.
Differentiator
Problem solved
Functional benefit
Products and services
- Loxon Collection Business Solution (SaaS) Cloud-native, AI-powered debt collection system that enables financial institutions to design data-driven, personalized and highly automated collection strategies, featuring omnichannel communications, AI-powered behavioral insights, real-time hardship analytics, self-service applications and advanced task management.
- Loxon Collection System (On-Premises) End-to-end on-premises debt collection system designed for institutions with strict data residency requirements, providing reliability, efficiency and flexibility to improve collection outcomes and customer satisfaction.
- Loxon Risk Suite Comprehensive umbrella risk management platform combining Rating/Scoring, Collateral Management, the AI-powered Early Warning System and IFRS 9 expected credit loss provisioning, designed to give financial institutions rigorous, end-to-end risk management tools.
- Early Warning System AI-powered risk monitoring application that proactively identifies customers or exposures showing early signs of financial difficulty using behavioral analysis based on expert or statistical indicators, enabling timely intervention to prevent defaults and minimize credit losses.
- Retail Lending System State-of-the-art retail lending software supporting loan origination throughout the decision and administration activities for retail banking, with automated underwriting workflows across consumer loan products.
- Corporate Lending System Comprehensive corporate lending solution covering the entire lending lifecycle from origination through administration for corporate banking clients.
- Oracle Financial Services Analytical Applications (OFSAA) Practice Oracle Financial Services Analytical Applications practice delivering enterprise performance management and risk-adjusted performance objectives for banks, with a dedicated OFSAA and business intelligence competence centre in Bucharest implementing Oracle BI and advanced analytics across Europe, the Middle East and Africa.
- Basel II/III Compliance Solution Basel II/III compliance solution providing a calculation engine for market risk, credit risk and operational risk, enabling risk-weighted asset calculations, capital adequacy compliance and regulatory reporting for all risk types.
Quantifiable outcome
- 15-20% decrease in average time to resolve a collection case
- +5 more outcomes
Companies that use LOXON
Customer profileNamed customers12 records
Segments4 records
Ideal customer profiles3 records
LOXON technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability9 records
Feature7 records
LOXON partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and notable.
- Amazon Web Services (AWS)coreLoxon joined AWS ISV Accelerate Program, a co-sell program providing direct connection with AWS Sales organization globally. Loxon's Collection Business Solution and Early Warning System are available on AWS Marketplace. The partnership enables co-sell support and benefits to meet customer needs through collaboration with AWS field sellers worldwide.
- OraclecoreOracle Practice specializing in OFSAA (Oracle Financial Services Analytical Applications) suite for Enterprise Performance Management. Loxon serves as OFSAA and business intelligence competence centre with implementations across Europe, Middle East, and Africa. Deep partnership since early 2000s when Loxon first delivered Basel II Calculation Engine.
- Infosys FinaclenotableRecognized as Complementary Solution Partner FY25 at the 2025 Finacle Partner Excellence Awards. Partnership enables integration and co-marketing with Infosys Finacle's digital banking platform ecosystem.
- MEA FinancenotableStrategic partnership for MEA Finance Banking Technology Summit & Awards. Loxon participates as sponsor and speaker at regional events, co-hosting senior banking leader roundtables on topics like Early Warning Systems in UAE banking.
- Asian Banking & FinancenotablePartnership for Asian Banking & Finance and Insurance Asia Summits 2026 in Philippines, Vietnam, and Indonesia. Loxon participates as speaker and exhibitor at regional summits focused on digital transformation and credit management in Southeast Asia.
Scale indicators6 records
Recent moves11 records
Expansion highlights6 records
LOXON competitors and assessment
Company assessmentMarket position
Strengths4 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
LOXON social profiles
Digital presenceLOXON compliance and trust
Trust signalCompliance1 record
LOXON financial estimates
Financial estimateRevenue estimate
Valuation estimate
LOXON leadership team
Management profileNumber of profiles
Profiles9 records
LOXON funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LOXON M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LOXON
What does LOXON do?
Loxon provides integrated end-to-end credit management software for banks and financial institutions, covering loan origination, risk management and debt collection across the full credit lifecycle. Core offerings include the Loxon Collection Business Solution (available as cloud-native SaaS or on-premises), the integrated Risk Suite (Rating/Scoring, Collateral Management, Early Warning System, IFRS 9), Retail Lending and Corporate Lending Systems, an Oracle Financial Services Analytical Applications (OFSAA) practice, and Basel II/III compliance solutions, all infused with AI-powered decisioning and delivered on a low-code/no-code platform.
Is LOXON a public or private company?
LOXON is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was LOXON founded?
LOXON was founded in 2000. It employs 101 to 250 people.
Where is LOXON based?
LOXON is headquartered in Bucharest, Romania, in the Europe region.
How does LOXON make money?
Three revenue lines are on record. SaaS Subscription is the primary driver. The others are on-Premises Software License and professional Services.
Does LOXON have an API?
Yes. Loxon Collection SaaS offers Standard APIs for rapid integrations and interoperability in an evolving ecosystem. The platform enables integration with any core banking system, connects to DMS, communication engines, and CRM systems, and includes an API builder for creating new APIs. Specific API protocols (REST, GraphQL), authentication methods, rate limits, and versioning details are not publicly documented.
What industry is LOXON in?
LOXON's product category is Credit Management Software. Its primary akta.pro industry code is FSAKAKAG, Consumer Credit Decisioning & Underwriting Platforms, with a secondary code of FSALALAC, Product, Pricing & Eligibility (PPE) / Rate Lock & Pricing Engines. Its NAICS code is 541519 and its SIC code is 7320.