𝗖𝗶𝗿𝗰𝗲𝗼 is a European SaaS company transforming how banks and financial-services institutions deliver and manage digital lending and leasing.
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From credit and leasing origination to servicing, collections, and compliance, we provide a fully digital, end-to-end platform: The Loan and Lease Factory (TLF) — designed for institutions that need speed, reliability, and regulatory robustness.
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Built and run on Cloud of Confidence such as IBM Financial Services Cloud, and designed for multi-country deployments, TLF helps banks accelerate digital transformation while reducing operational risk and time to market.
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Our platform is already used across Europe, supporting retail loans, SME lending, consumer finance, leasing, BNPL, mortgage loan, revolving loan, embedded financing and more.
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𝗪𝗵𝗮𝘁 𝗺𝗮𝗸𝗲𝘀 𝗖𝗶𝗿𝗰𝗲𝗼 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁?

• Compliant-by-design: DORA, GDPR, NIS2, and EU credit regulations embedded into the core platform.
• A powerful low-code/no-code engine to configure credit products, scoring rules, workflows, accounting, reporting, collection and UI without coding.
• Fast and reliable delivery with a proven implementation methodology used in multiple geographies and regulatory contexts.
• API-first architecture for seamless integration with legacy systems, partners, fintechs, and regulators.
• Cloud-native resilience with strict security, data-protection, and operational-continuity guarantees. Circeo is certified ISO 27001.
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𝗢𝘂𝗿 𝗺𝗶𝘀𝘀𝗶𝗼𝗻 𝗶𝘀 𝘀𝗶𝗺𝗽𝗹𝗲: help banks build better digital lending experiences, faster and more securely.
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We combine strong engineering culture, deep domain expertise, and years of hands-on delivery to give financial institutions a platform that evolves with regulation, technology, and customer expectations.
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If your organisation is looking to modernize lending and leasing, expand into new markets, or replace legacy systems with a future-proof solution, we’re here to help.

Circeo

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