Aptic
Aptic is a Swedish fintech software company that sells the CLVR platform — an integrated lending, factoring, BNPL, invoice-to-cash, debt collection, and leasing system — to 100+ financial services enterprises across Northern Europe on a subscription basis.
- Company typePrivate
- Founded2001
- HeadquartersSkövde, Sweden
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Aptic does
Aptic AB is a private Swedish financial technology software company founded in 2001, headquartered in Stockholm with additional offices in Skövde (Sweden), Oslo (Norway), and The Hague (Netherlands). The company develops and sells CLVR, an all-in-one financial services platform that integrates six traditionally separate product categories — lending, factoring, invoice-to-cash, buy-now-pay-later (BNPL), debt collection, and leasing — into a single, cloud-ready, API-driven codebase supporting both SaaS and on-premise deployment. The platform serves 100+ enterprise customers across Northern Europe, including banks (Komplett Bank), large debt collection agencies (Axactor, Kredinor, Lowell), factoring providers (Nordea Finance Equipment), and e-commerce/BNPL providers (Capway), spanning verticals that include banking, e-commerce, debt collection, asset-based financing, telco/utilities, and leasing.
The CLVR platform is built on modern infrastructure (Kubernetes virtualization, private/public cloud, open APIs, context-driven search) and was relaunched in 2022 to replace the legacy product line. It includes a configurable business rules engine for credit decisioning and risk management, real-time ledger updates for factoring workflows, dynamic debt-collection campaigns, and a "Client Web" portal for borrower self-service. Aptic holds ISO/IEC 27001 certification (obtained 2022) for information security management and is a Microsoft Partner, enabling Azure-based deployment. The platform is sold on a quote-based subscription model with multi-year enterprise contracts, targeting financial services buyers from small local lenders to large international enterprises.
Aptic goes to market via direct enterprise field sales, with "Book a Demo" calls-to-action and multi-language content (English, Swedish, Dutch, Norwegian, German) supporting geographic expansion. The company employs approximately 70 people across its four offices and is led by a full C-suite (CEO Knut Eirik Storsul, CTO and co-founder Fredrik Ekengren, COO Juan Botha, CFO Jesper Isaksson, CCO Rick Terra, CPO Henrik Dalemo, CBDO Sara Gustavsson) under the oversight of a five-person board chaired by Sune Nilsson. No external funding rounds, M&A activity, or institutional investors are disclosed, indicating an organically grown, founder-influenced business.
Aptic firmographics
Firmographics- Name
- Aptic
- Legal name
- Aptic AB
- Website
- https://aptic.net
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Aptic is a Swedish fintech software company that sells the CLVR platform — an integrated lending, factoring, BNPL, invoice-to-cash, debt collection, and leasing system — to 100+ financial services enterprises across Northern Europe on a subscription basis.
- Ownership category
- akta.pro rank
Aptic industry classification
Industry- Product category
- Financial Services Software
- NAICS
- Software Publishers (513210)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Managed Application Platforms (App PaaS & Runtime Services) (HDABAAAD)
- akta.pro secondary industries
- Developer Tooling & SDK Platforms (BPAMAOAD), BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
Keywords
Where Aptic is headquartered
LocationHeadquarters
- HQ city
- Skövde
- HQ country
- Sweden
- HQ region
- Europe
Offices4 records
Markets served
Aptic business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Software Platform Licensing and Subscription: CLVR platform delivered as SaaS or on-premise solution. Revenue generated from software licensing, platform subscriptions, and related services for financial services companies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise software platform with flexible deployment options |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
Aptic product offering
Product offeringCore offering
Aptic develops and sells the CLVR platform, an all-in-one cloud-ready, API-driven financial services platform that integrates lending, factoring, invoice-to-cash, buy now pay later (BNPL), debt collection, and leasing into a single configurable solution. The platform is delivered as SaaS or on-premise to financial services companies across Northern Europe, with open APIs enabling integration with existing core systems.
Product overview
Aptic offers the CLVR platform, a unified financial services software platform that combines six core modules: Lending (for deposits, revolving credits, unsecured loans, and collateralized loans), Factoring (accounts receivable financing, invoice purchasing, reverse factoring), Invoice to Cash (accounts receivable management), Buy Now Pay Later (BNPL commerce payments), Debt Collection/Collect (end-to-end collection including purchased debt, 3PC, and in-house), and Leasing (equipment and vendor leasing). The platform is designed for scalability, flexibility, and high automation, with open APIs enabling integration with third-party systems. Customers can use individual modules or combine multiple solutions within the unified CLVR platform.
Differentiator
Problem solved
Functional benefit
Brands
- CLVR: An all-in-one financial services platform that integrates lending, factoring, invoice to cash, BNPL, debt collection, and leasing into one flexible, user-friendly solution.
Products and services
- CLVR Platform The all-in-one financial services platform that integrates lending, factoring, invoice-to-cash, BNPL, debt collection, and leasing into one flexible, scalable, API-driven solution. Deployed as SaaS or on-premise for banks, factoring companies, lenders, debt recovery agencies, leasing firms, and e-commerce providers.
- Lending Handles accounts for deposits, revolving credits, unsecured loans, and loans with collateral in a single platform with customizable account types, flows, and automated lending processes. Designed for banks and lenders.
- Factoring
- Invoice to Cash
- Buy Now Pay Later (BNPL)
- Debt Collection (Collect)
- Leasing
Quantifiable outcome
- High degree of automation leading to improved operational efficiency and profitability
- +2 more outcomes
Companies that use Aptic
Customer profileNamed customers7 records
Segments7 records
Ideal customer profiles5 records
Aptic technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature10 records
Aptic partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- MicrosoftcoreAptic is a Microsoft Partner with proven competency in Microsoft technologies. The CLVR platform is cloud-ready and can be deployed on Microsoft Azure infrastructure. The partnership enables Aptic to leverage Microsoft's cloud platform and enterprise tools for delivering financial services software.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Aptic competitors and assessment
Company assessmentDirect peers
- Mambu: Cloud-native banking and lending platform serving banks, lenders, and fintechs globally with composable core banking, lending, and savings. Directly comparable to Aptic in delivering a SaaS-based lending and deposit platform to financial institutions, though at a significantly larger scale and broader geographic reach.
- Thought Machine: Cloud-native core banking technology provider built around its Vault platform, serving global Tier 1 and Tier 2 banks. Comparable to Aptic's CLVR as a modern, cloud-first banking platform, though focused on core banking and deployed in larger enterprise settings.
- 10x Banking: Cloud-native core banking platform for retail and commercial banks. Overlaps directly with Aptic's CLVR banking, lending, and deposit capabilities, targeting similar financial institution customers with API-driven SaaS architecture.
- nCino: Cloud banking platform specializing in commercial, small business, and consumer lending, plus onboarding and account opening for financial institutions. Comparable to Aptic's lending and credit management focus, but operating at a much larger scale with global Tier 1 bank references.
Broad incumbents
- Temenos: Global banking software incumbent offering a broad portfolio spanning core banking, lending, wealth, and payments to banks of all sizes. Comparable to Aptic in lending and core banking modules, but as a large established vendor with a much wider product suite and global footprint.
- Tietoevry: Nordic-headquartered IT and digital services company with a sizable banking and financial software business serving Scandinavian banks and credit institutions. Direct overlap with Aptic in Northern European bank software, with a far broader portfolio and deeper Tier 1 bank relationships.
Emerging players
- Solaris: European Banking-as-a-Service and embedded finance platform enabling fintechs and corporates to offer lending, payments, and banking products. Overlaps with Aptic's BNPL and embedded credit modules, though Solaris positions further downstream as a sponsor-bank-enabled infrastructure layer.
- Tink: Europe-based open banking platform (owned by Visa) providing PSD2 APIs, account aggregation, and payment initiation to banks and fintechs. Tangentially comparable to Aptic as a complementary fintech infrastructure layer used by many of the same Northern European financial institutions.
- Billie: Berlin-based B2B Buy Now Pay Later platform providing embedded credit at checkout for merchants. Comparable to Aptic's BNPL module in product functionality, though Billie operates as a B2B BNPL specialist rather than a multi-module credit management platform.
Regional players
- Crosskey Banking Solutions: Nordic core banking and card services software provider serving banks across the Nordics. Closely comparable to Aptic in geography and customer base (regional Nordic banks), though Crosskey's product set is more focused on core banking and card processing rather than credit/collections.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Aptic social profiles
Digital presenceAptic compliance and trust
Trust signalCompliance1 record
Aptic financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aptic leadership team
Management profileNumber of profiles
Profiles14 records
Aptic funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aptic 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 Aptic
What does Aptic do?
Aptic develops and sells the CLVR platform, an all-in-one cloud-ready, API-driven financial services platform that integrates lending, factoring, invoice-to-cash, buy now pay later (BNPL), debt collection, and leasing into a single configurable solution. The platform is delivered as SaaS or on-premise to financial services companies across Northern Europe, with open APIs enabling integration with existing core systems.
Is Aptic a public or private company?
Aptic is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Aptic founded?
Aptic was founded in 2001. It employs 51 to 100 people.
Where is Aptic based?
Aptic is headquartered in Skövde, Sweden, in the Europe region.
How does Aptic make money?
One revenue line is on record: software Platform Licensing and Subscription.
Who are Aptic's main competitors?
Direct peers on record are Mambu, Thought Machine, 10x Banking and nCino. Broad incumbents are Temenos and Tietoevry. Emerging players are Solaris, Tink and Billie. Crosskey Banking Solutions is listed as a regional player.
Does Aptic have an API?
Yes. CLVR platform is described as API-driven with open APIs enabling integration with third-party applications, services, and supporting systems inside and outside the IT environment. The platform supports real-time updates and seamless integration capabilities.
What industry is Aptic in?
Aptic's product category is Financial Services Software. Its primary akta.pro industry code is HDABAAAD, Managed Application Platforms (App PaaS & Runtime Services), with a secondary code of BPAMAOAD, Developer Tooling & SDK Platforms. Its NAICS code is 513210 and its SIC code is 7372.