The Industry Leading LOS

nCino's Commercial Loan Origination System

Elevate Your Commercial Lending Experience with an Intelligent Platform

300% increase in lending capacity
92% reduction in loan servicing costs
60% one-year loan book growth
81% reduction in underwriting times

In order to win market share, FIs need to differentiate themselves from the competition by providing exceptional lending experiences. Outdated systems require commercial lenders to use eight or more systems for the entire loan process, from origination to closing. With nCino's intelligent single platform, FIs no longer have to rely on disparate, siloed systems that require re-keying information and result in prolonged turnaround times. The nCino Commercial Loan Origination System (LOS) utilizes automated workflows and processes, real-time reporting, customer relationship management (CRM) and digital document management to provide streamlined end-to-end lending process. With the nCino Commercial LOS, FIs gain a cost-effective and intelligent solution that can grow and change in response to market forces and fluctuations, providing an agile LOS to fit business needs and exceed customer expectations.

nCino has again been recognized as the top vendor by Aite Group in the analyst firm's 2019 report "Commercial Loan Origination: Sharpening the Tip of the Spear. View the Report.

Simplify and Automate Loan Origination

Screen of the nCino Bank Operating System
Syndications and Participations

Track, manage and report on all syndicated and participated loans as well as validate exposure limits with other lenders.

Rules Engine and Loan Auto Decision

Reduce effort on loans by identifying parameters in which a loan should be automatically approved, declined or recommended for manual review.

Needs Assessments

Quickly onboard new customers and assess their needs with streamlined workflow preconfigured with an institution's business processes.

Document Management

A configurable, integrated document repository allowing instant access to any document, incorporating any institution's policies and leaving a visual audit trail for auditors and teammates.

Credit Analysis

Reduce turnaround time for credit delivery and improve credit risks and assessments. With open and flexible API functionality, integrate with third-party vendors.


Services include but are not limited to: benchmarking, credit reporting, document preparation, e-signature, flood services and identity verification.

Automated Policy Exception

Automate pre-qualifications and credit approvals based on institution's policy rules.


Fulfill regulatory compliance policies as well as global, local and federal regulations.

"As the bank continues to deliver on its vision to transform commercial lending, it's essential that we have the best tools and technology to help our customers achieve their financial objectives ... nCino is bringing that vision and experience to life for TD employees."
Anthony Sasso, President of Equipment Finance at TD Bank

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