LOXON

Credit Management Softwareloxon.eu

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

Credit management software
Lending solutions
Risk management software
Debt collection software
Financial services software

Where LOXON is headquartered

Location

Headquarters

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 offering

Core 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 profile

Named customers12 records

Segments4 records

Ideal customer profiles3 records

LOXON technology and API

Technology

Technology 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 signal

Partnerships

Five partnerships are on record, tiered core and notable.

Amazon Web Services (AWS)coreGTM or Marketing Partner · 1 April 2026Loxon 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.
OraclecoreTechnology or IntegrationOracle 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 FinaclenotableGTM or Marketing PartnerRecognized 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 FinancenotableGTM or Marketing PartnerStrategic 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 & FinancenotableGTM or Marketing PartnerPartnership 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 assessment

Market position

Strengths4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

LOXON compliance and trust

Trust signal

Compliance1 record

LOXON financial estimates

Financial estimate

Revenue estimate

Valuation estimate

LOXON leadership team

Management profile

Number of profiles

Profiles9 records

LOXON funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

LOXON M&A and investment

M&A and investment

M&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?

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.