Stage11

What Stage11 does

Stage11 is a Stockholm-based FinTech SaaS company that builds white-label cloud platforms for alternative financing and investment management. Its product suite consists of six interconnected modules — invoice factoring, reverse factoring, invoice discounting, crowdfactoring, crowdlending, and crowdfunding — that can be deployed individually or as a combined installation. The platform runs on AWS and Azure, is offered in multiple languages and currencies, and incorporates AI-powered OCR for invoice data capture, electronic ID verification through BankID and Scrive, blockchain-sealed digital signatures, KYC/KYB/AML compliance tooling, and an open API for integration with credit bureaus, core banking, CRM, and accounting systems.

The business model is B2B white-label only: Stage11 does not sell directly to consumers. Customers are banks, private financial institutions, factoring agencies, and fintech startups that rebrand the platform under their own name. Revenue is generated through three streams — one-time installation and customization fees, recurring monthly maintenance subscriptions, and incremental professional services for custom development and integrations — augmented by a Reseller Program that pays partners up to 20% commission on referred business. Documented deployments include Faktorama (launched December 2022, operating in the UK, Poland, Germany, Italy, France, Spain, and the US) and ClusterFund (launched March 2025 in the US with an investment-cluster funding model). Scale signals cited on the company website indicate 449 projects, 2,911 users across the platforms, and 17 countries reached, though the firm lists only 1–10 employees and discloses no revenue or funding.

Name

Stage11

Legal name

Stage11

Website

https://stage11.co

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Stage11 is a Stockholm-based FinTech that builds white-label cloud SaaS platforms for invoice factoring, reverse factoring, invoice discounting, crowdfactoring, crowdlending, and crowdfunding, serving banks, factoring agencies, and fintech startups globally.

Ownership category

akta.pro rank

Product category

Alternative Lending SaaS Platform

NAICS

Sales Financing (52222), Custom Computer Programming Services (541511)

SIC

Loan Brokers (6163), Services-Prepackaged Software (7372)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

akta.pro secondary industries

Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

Keywords

• White-label SaaS
• Invoice factoring software
• Supply chain finance
• Crowdlending platform
• Alternative lending solutions

Headquarters

HQ city

Askim

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription and Maintenance: Recurring monthly maintenance fees for platform usage. Cloud-based SaaS model where customers pay for service usage rather than platform ownership. Maintenance is charged monthly as long as the platform is in use.
2. Installation and Customization: One-time initial cost for installation and customization of the platform based on specific customer needs, including configuration of language, currency, calculation rates, and KYC questionnaires.
3. Additional Development and API Integration: Additional costs for further development, API connections to credit rating agencies, core banking software, CRM or bookkeeping systems, or other custom add-ons specific to customer requirements.
4. Reseller Partnership Commissions: Partners in the Reseller Program earn competitive commissions on referred business, up to 20% of total revenues, expanding the company's distribution reach.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Stage11 develops and sells a white-label cloud-based FinTech SaaS platform that bundles six integrated modules—Invoice Factoring, Reverse Factoring, Invoice Discounting, Crowdfactoring, Crowdlending, and Crowdfunding—enabling financial institutions, banks, factoring companies, and resellers to launch alternative financing and investment services under their own brand. The platform uses AI-powered OCR for invoice reading, electronic ID verification via BankID and Scrive, blockchain-secured digital signatures, and open API connectivity, hosted on AWS or Azure across 17 countries.

Product overview

Stage11 is a white-label FinTech SaaS platform provider offering six interconnected products for alternative financing and investment management. The portfolio includes Invoice Factoring (core platform for invoice-based capital financing), Reverse Factoring (supply chain finance enabling buyer-driven early payments), Invoice Discounting (invoice collateral lending), Crowdfactoring (connecting invoice sellers with external investors), Crowdlending (P2P lending), and Crowdfunding (combined equity and debt investment platform). All products are available as white-label cloud-based SaaS solutions that can be customized with client's branding, with AI-powered invoice reading capabilities across factoring products. The platform supports multi-currency, multi-language operations and integrates with Stripe for payments, Scrive for identity verification, and BankID for electronic ID verification.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring White-label SaaS platform enabling businesses to operate as factors, selling and assigning invoices to third parties for short-term capital. Features AI-powered invoice reading (OCR), automated risk scoring, dynamic and fixed pricing, KYC/AML modules, and optional integration of additional modules including reverse factoring, international factoring, invoice discounting, and invoice trading. Targeted at financial institutions, banks, and factoring companies deploying under their own brand.
• Reverse Factoring Supply Chain Finance platform where buyers initiate financing programs and financial institutions pay suppliers early while buyers settle invoices at later agreed dates. Includes automated onboarding workflows, risk scoring models, instant financing pricing, and ERP/CRM integration. Targeted at financial institutions and large corporate buyers running supplier finance programs.
• Invoice Discounting White-label invoice financing platform enabling businesses to raise funds using unpaid invoices as loan collateral. Features AI-powered invoice reading, instant pricing, automated processes, and integration with accounting or core-banking software. Offers combined factoring and discounting capability on a single installation, with free software installation available.
• Crowdfactoring Cloud-based platform connecting SMEs selling invoices with external non-bank investors who invest in pre-approved receivables. Features four-participant structure (Supplier, Debtor, Factor, Investors), short-term investment cycles typically 60-90 days, and Stripe integration for direct deposit functionality. Targeted at financial institutions operating invoice investment marketplaces.
• Crowdlending P2P lending SaaS solution enabling peer-to-peer loan facilitation through online platforms. Includes integrated loan origination and loan management systems, automated tax reporting (RegTech), multi-currency payments, and multilingual support. Targeted at lenders running debt-based crowdfunding or peer-to-peer lending operations.
• Crowdfunding Combined investment management platform integrating equity and debt crowdfunding models. Enables borrowers to choose between cash loans or company shares, while investors can select equity or debt financing. Includes integrated ledger, electronic contract generation, and cross-border investment capabilities with multi-currency support.

Quantifiable outcome

• Time to market reduced through cloud-based SaaS model and pre-built proven workflows
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature9 records

Partnerships

Three partnerships are on record, tiered core and regional.

• ScrivecoreTechnology or IntegrationScrive provides electronic signature and identity verification tools integrated across all Stage11 FinTech platforms. The tool offers facial comparison feature, compatibility with all existing European BankID and e-signature solutions worldwide, and ensures compliance with global contract law and GDPR legislation. Every transaction on Stage11 platforms is sealed with a blockchain digital signature through Scrive integration.
• StripecoreTechnology or IntegrationStripe provides direct deposit functionality for crowdfactoring platforms, enabling investors to make deposits and fund invoice investments through a seamless payment integration.
• Factor LatamregionalChannel Partner/ Reseller/ DistributorLocal partner operating in Mexico and Latin America. Factor Latam serves as Stage11's regional representative and helps deploy FinTech platforms to Spanish-speaking markets in the region.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/stage11

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Stage11