Aptic AB

At Aptic, we deliver one of Europe’s most advanced software platforms for the financial services and working capital industry - fully API‑driven, highly automated, and uniquely configurable to support complex credit operations at scale. Our CLVR platform powers the full financial lifecycle across Factoring, Debt Collection, Invoice‑to‑Cash, Lending, Leasing, and BNPL. Designed as a true transaction engine rather than a simple workflow tool, CLVR handles the financial logic behind credit assets with unmatched depth, accuracy, and auditability. Beyond financial services, Aptic helps organisations optimise their working capital through modern Factoring, Invoice‑to‑Cash, Lending, and Reversed Factoring solutions. This gives companies real‑time control, stronger liquidity, and the ability to automate end‑to‑end processes, while remaining fully compliant in demanding regulatory markets. With over 25 years of expertise and customers across Northern Europe, Aptic combines powerful domain knowledge with an agile, configurable platform that adapts to the needs of financial institutions, corporates, and fintech innovators alike.