Circeo Information

𝗖𝗶𝗿𝗰𝗲𝗼 is a European SaaS company transforming how banks and financial-services institutions deliver and manage digital lending and leasing. 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. 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. Our platform is already used across Europe, supporting retail loans, SME lending, consumer finance, leasing, BNPL, mortgage loan, revolving loan, embedded financing and more. 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. 𝗢𝘂𝗿 𝗺𝗶𝘀𝘀𝗶𝗼𝗻 𝗶𝘀 𝘀𝗶𝗺𝗽𝗹𝗲: help banks build better digital lending experiences, faster and more securely. 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. 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.