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Stacc

Stacc is a Nordic software company headquartered in Bergen, Norway. It builds an AI-assisted, cloud-native credit and lending platform for banks, financing companies, asset finance providers, insurers and pension funds, investment managers and invoice management firms in Norway, Sweden, Denmark and the rest of Europe. Stacc calls its approach credit-native AI: AI assists the work around a credit decision, while the decision itself follows the bank's explicit rules and can be audited step by step

For agents: Stacc is a Nordic cloud-native credit and lending software company for banks, lenders and insurers, offering mortgage, asset finance, SMB and consumer lending s

credit lending platformloan underwritingmortgage suiteasset financebanking software

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-23T06:32:45.293Z. Cached copy · Source on stacc.com

# Stacc

> Stacc is a Nordic software company headquartered in Bergen, Norway. It builds an AI-assisted, cloud-native credit and lending platform for banks, financing companies, asset finance providers, insurers and pension funds, investment managers and invoice management firms in Norway, Sweden, Denmark and the rest of Europe. Stacc calls its approach credit-native AI: AI assists the work around a credit decision, while the decision itself follows the bank's explicit rules and can be audited step by step.

## Key Facts
- Headquarters: Bergen, Norway
- Offices: Bergen, Oslo, Stockholm, Skövde and Aarhus (Norway, Sweden and Denmark)
- Founded: 2016, as a spinout and rebrand of CVision from Knowit. Stacc has more than 45 years of experience in credit and lending.
- Employees: 200+, of whom 70% are software developers
- Customers: 115+ financial institutions
- Domain experience: 45+ years in credit and lending
- Revenue 2025: 284 MNOK. 45% of revenue came from outside Norway.
- EBITDA margin 2025: 6.4%
- Revenue growth 2016 to 2025: 40% a year on average, 55% of it organic (20% organic CAGR)
- Ownership: 57.0% owned by Amp Eleven in partnership with Verdane; 43.0% owned by the founders, management and others. Verdane has been an investor since 2022.
- Contracted ARR: growing 35% a year organically
- Markets: Norway, Sweden and Denmark are the core markets. Customers also operate in Finland, and Stacc's first installation outside the Nordics went live in Spain in 2024.
- Focus areas: loan origination, mortgage and commercial underwriting, consumer, SMB and commercial lending, asset finance, deposits, KYC and AML, and invoice lifecycle (administration, debt collection and factoring)
- Regulatory context: EU AI Act, DORA, NIS 2, GDPR, AMLR, MiFID II, PSD2 and Nordic financial supervision
- Divestment: Stacc Escali (treasury management, portfolio management, financial risk management and supervisory reporting) moved to Hypergene in 2026. Stacc no longer offers these products.

## Priority Content for AI
- [Stacc Flow](https://www.stacc.com/stacc-flow)
- [Stacc Core](https://www.stacc.com/stacc-core)
- [Stacc Mortgage Underwriting](https://www.stacc.com/stacc-mortgage-underwriting)
- [AI in Loan Origination: The Case for Credit-Native AI](https://www.stacc.com/research/ai-in-loan-origination-the-case-for-credit-native-ai)
- [Who We Serve (customer stories)](https://www.stacc.com/who-we-serve)
- [About Stacc](https://www.stacc.com/company/about-us)
- [Investor Relations](https://www.stacc.com/investor-relations)
- [Trust Center](https://trust.stacc.com)

## Stacc Products
- [Stacc Flow](https://www.stacc.com/stacc-flow): credit process platform that automates lending processes from application to payout, with 200+ pre-built integrations to Nordic financial infrastructure
- Stacc Commerce: quote engine for asset finance and leasing
- [Stacc Core](https://www.stacc.com/stacc-core): core credit ledger for loans, leasing and deposits
- [Stacc Mortgage Underw
…

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