Fueling Small Business Dreams, One Experience at a Time
Enriquezca sus préstamos a empresas con nuestro Sistema Inteligente de Originación de Crédito para Pequeñas Empresas.
Intelligent Journeys Purpose-Built for Small Business Lending
Deploy a unified platform that can adapt to serve small business deals from microfinance to larger financing needs.
Automation, generative, and agentic AI move applications forward by identifying which deals should be automatically approved, declined, or recommended for manual review. See our automated workflow within Small Business Lending in action.
Grow Your Small Business Portfolio with Ease
Drive efficiencies across onboarding, origination, monitoring, and maintenance to scale small business operations.
Equips the borrower to apply online, in-branch, or seamlessly work between a combination of both, depending on their preferences and needs.
Respects institution-specific parameters for automatic approval, decline, or recommendation for manual review to streamline the loan approval process.
Automates pre-qualifications and credit approvals based on your institution’s policy rules for time savings.
Utilizes machine learning and optical character recognition (OCR) to automate the spreading of financial statements and tax returns via Automated Spreading.
Keep Your FI Moving Forward with a Dual Workforce
Embedded intelligence handles the heavy lifting and works in tandem with bankers who focus on judgment, relationships, and growth.
Service Digital Partner: Kickstart deal creation with chat assistance and get one unified workflow across multiple deals.
Analyst Digital Partner: Automate financial spreading, accelerate credit analysis, and proactively monitor portfolio health, so teams spend less time on data and more time on decisions.
Executive Digital Partner: Surface risk, identify trends, and stress test to quickly understand portfolio health and make smart decisions.
Configured for Compliance
nCino Small Business Lending provides tools that empower your institution to easily fulfil regulatory compliance policies and for adherence to global, local, and federal regulations. nCino’s LOS system:
Leverages an integrated document repository that incorporates your institution’s policies and leaves a visual audit trail for auditors and teammates.
Generates automatic notifications to remind users when a covenant is approaching its due date and serves as a record of compliance for auditing purposes.
Provides regulators and auditors with loan reports to facilitate the compliance review process.
nCino Customer Outcomes
130%
Growth in small business lending as a US credit union grew its portfolio through specialized SMB workflows.
<7 min
Time to approval as a US Farm Credit institution got clients to a lending decision faster through automation.
#7
A US Community Bank was able to become a leading SBA lender after adopting nCino to kickstart their SBA program.
* Customer opinion only. The results described reflect the experience of three, unique nCino customers and are specific to each customer's circumstances. Individual outcomes vary based on a range of factors, and these results may not be representative of, or typical for, the outcomes achieved by other nCino customers.
By transforming their business and operating models and implementing an end-to-end digital platform, the economics of small loans become not only viable but also very attractive.
Alenka Grealish, Principal Analyst, Celent
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