# A Connected, Intelligent Experience for Commercial Real Estate Lending

Originate, analyze, and monitor commercial real estate \(CRE\) loans with capabilities purpose-built for CRE, all within nCino Commercial Lending.

With nCino, you can efficiently and proactively originate, analyze, and monitor Commercial Real Estate \(CRE\) loans.  


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## Disconnected Workflows and Spreadsheets Slow You Down

Manual data entry and siloed systems delay decisions and leave lenders without a clear view of their borrowers, opportunities and risk.

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## Built for CRE, Embedded in Commercial Lending

nCino Commercial Lending supports the full CRE lending lifecycle, from origination and underwriting to analysis and ongoing monitoring. Property collateral, tenancy data, and loan structures come together in one streamlined workflow, giving your team a consistent foundation for every CRE decision.

- **Streamlined Experience:** Move CRE deals from origination through monitoring without switching systems or rekeying data.
- **Centralized Data:** Keep property, tenancy and loan details in one place, creating a single source of truth.
- **Collaboration and Transparency:** Give relationship managers, credit analysts and portfolio managers a shared view of every CRE loan.
- **Consistent Decisions:** Standardize CRE workflows and analysis across your lending team.

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## Smarter Data. Stronger Analysis. Earlier Risk Detection.

Automate data entry and keep all tenancy and property data in one place. Run cashflow projections and stress test multiple variables to understand how changing economic conditions could affect loan performance. Beyond analysis, early warning indicators help you spot CRE risk while there's still time to act.

- **Automate Manual Work:** Replace manual data entry and disconnected spreadsheets with automated record creation and single-click cashflow calculations.
- **Centralize Tenancy Data:** Manage units, tenants and leases alongside property collateral, with automatically calculated occupancy, lease expiry and income insights.
- **Project and Stress Test with Confidence:** Run cashflow projections across single and multi-property loans and stress test up to seven variables aligned to your credit policy.
- **Monitor CRE Risk Proactively:** Know which CRE loans need attention before issues surface. Monitor lease rollover, vacancy and tenant concentration with automated early warnings.

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## Single Platform CRE Experience
### Commercial Lending
For digital banks expanding into commercial lending: a fully embedded, AI-native LOS that streamlines origination, credit analysis, and portfolio management in one connected platform.
[Explore Commercial Lending](/solutions/commercial-lending)
### Credit Analysis
Seamlessly integrated into the commercial loan origination workflow, automated spreads contain a suite of credit analysis tools to produce faster, high-quality decisions.
[Learn more](https://www.ncino.com/solutions/credit-analysis)
### Automated Spreading
The Automated Spreading Solution reduces the time it takes to spread financials, enabling portfolio growth by improving the speed and quality of credit decisions.
[Learn more](/solutions/automated-spreading  )
### Continuous Credit Monitoring
Gain real-time, data-driven insights for proactive risk monitoring while automating management processes.
[Learn More](/continuous-credit-monitoring)

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