Axe Finance

Axe Finance is a banking software vendor founded in 2004 and headquartered in Tunis, Tunisia, focused exclusively on credit process automation for financial institutions. Its flagship product, Axe Credit Portal (ACP), automates the full credit lifecycle in a single system: customer onboarding and KYC, financial spreading and credit scoring, underwriting and approval workflows, limit and collateral management, documentation, disbursement, loan servicing and collections, plus business intelligence and reporting.

The platform is configured per institution and covers corporate, commercial, SME, retail and microfinance lending, so a bank can consolidate fragmented origination processes and manual credit memos onto one auditable workflow that enforces risk policy consistently. Axe Finance layers AI-driven decisioning, omnichannel origination and ESG assessment on top of the core product. Customers include banks across Africa, the Middle East, Europe and Asia — among them Vietnam International Bank (VIB).

1. Axe Credit Portal (ACP) covers the full credit lifecycle: KYC and onboarding, origination, scoring, underwriting and approval, collateral and limit management, servicing and collections.

2. Single configurable platform serving corporate, commercial, SME, retail and microfinance lending.

3. AI-powered lending, omnichannel origination, ESG assessment and embedded business intelligence modules.

4. Around 270 employees, operating across four continents with offices including Amsterdam, the UAE and Mumbai.

5. ISO 27001 certified and a Microsoft certified partner.

6. Named a leader in the 2024 SPARK Matrix for both retail and commercial loan origination systems; clients include Vietnam International Bank (VIB).