Innovative fintech
solutions for
your growth


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Innovative and sustainable fintech solutions

Aptic’s software solutions are developed in cooperation with our clients, driven by specific business demands and the need to meet the challenges our customers face in their daily work. They are flexible, innovative, and at the forefront of today’s technology development.

Aptic Solution Lending

Provide different loan types in one single platform

  • Flexible and adaptable to your needs
  • Extensive reporting abilities
  • Notifications through channels of your choice
Aptic Solution Factoring

User-friendly and flexible factoring software with streamlined risk management

  • Extensive connectivity through API’s
  • Streamline your risk management
  • User-friendly and modern interface
Aptic Solution E-com

Payment solutions and credit management for commerce 24/7

  • Omnichannel payment solution and commerce 24/7
  • Support for various credit-, part payments and notifications
  • Create unique business processes and integrations
Aptic Solution Invoice to cash

Scalable and flexible solution for large volumes of invoices

  • Accounts receivable administration – the customer’s way
  • Scalable and flexible for high volumes
  • Simple integration to other systems
Aptic Solution Debt Collection

An end-to-end debt collection process with high level of automation

  • Effective process automatisation
  • Dynamic workflows
  • User-friendly interface
Aptic Solution Leasing

Leasing solution to support your equipment and vendor leasing company

  • Financial, operational and purchase hire leasing capabilities
  • Supports the entire leasing process
  • Open platform with API connections

Built on experience and deep business understanding

Aptic is a trusted software vendor and business partner supporting everything from small local companies to large international enterprises. Our clients can be found within the financial services sector, including banking, factoring, debt recovery, e-commerce, lending, and others.


Aptic offers a core banking software solution that is flexible and adaptable to your needs. One single platform supports different solutions within corporate and retail banking, supply chain financing, savings, lending, and leasing. Open APIs make it easy to integrate other systems to create an even more powerful platform for your continuous growth.

E-commerce and retail

For the Commerce industry, it can be beneficial to offer access to credit, invoice payment, and financing options at the point of sale within retail and e-commerce. The offer can be a powerful business-generating tool for companies. Aptic’s software solution enables you to achieve these business values by offering and administrating loans and credits. Sales financing is a win-win for both the business and the end-customer.

Debt Collection

In the Debt collection industry, it’s always vital to have automated solutions that support complex processes that enable flexibility, effectiveness, and at the same time, follow regulations in each country that the business operates. Aptic’s Collect solution handles the complete value chain and supports different forms of collection businesses: inhouse collection, third party collection (3PC), purchased debt, and debt surveillance. 

Asset-Based Financing

Aptic’s software supports different forms of asset-based financing, such as export financing, supply chain financing, factoring, and leasing. A smart and automated business rule engine mitigates the risk within the portfolio and streamlines the risk assessment process. Traditional reporting, in addition to trends and graphs, gives the asset-based lender complete control and enable an extensive analysis.

Telco & Utilities

To acquire, engage, and retain customers in the Telecommunication and Utility industry, it has become essential to deliver personalised, consistent, and superior multi-channel customer experiences, including the invoicing process. Aptic software solution to manage a large number of invoices makes it possible for clients to deliver a customised, and user-friendly customer journey.


Aptic’s Leasing software is designed for equipment and vendor leasing companies, and handles different forms of leasing, from financial and operational leasing to hire/purchase leasing. It will support your current leasing solution and the change to a sustainable circular business model. Through open APIs, connection to other supporting systems inside and outside your IT environment is smooth.

Focus on your business opportunities

Aptic platforms, ARC, and Cloudware are used by over 100 customers today. The solutions are solid, user-friendly, and create value and profitability for the customer through a high level of digitalisation as well as enable continuous product innovation.


Axactor Logotype White
Lowell Logotype White
Promentor Finans Logotype White
Visma logotype
Almi Logotype White
Profina Logo
Collector Bank Logo