Circeo

is a European SaaS company transforming how banks and financial-services institutions deliver and manage digital lending and leasing. ‎ From credit origination to servicing, collections, and compliance, we provide a fully digital, end-to-end platform: The Loan and Leasing 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. ‎? • 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. ‎ : 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.