Intelligence Built for Commercial Lending
Accelerate revenue growth, improve operational efficiency, effectively manage risk, and deliver exceptional customer experiences with our Commercial Loan Origination System.
Automation and AI Where It Matters
One-size-fits-all platforms force simple loans to be over-engineered and complex loans to fall through the cracks.
nCino delivers adaptive intelligence that streamlines repetitive activities based on the deal or relationship complexity. See it in action for a complex, commercial deal.
The Proven Commercial Loan Origination System
Close loans faster and grow your portfolio with the industry-leading platform that has processed $3.3T in loans in a period of 12 months and has over 2,700 customers globally.
Replaces disparate, siloed systems with a streamlined commercial loan origination system.
Improves collaboration and transparency across front, middle, and back offices.
Accelerates the loan origination process with automation, generative, and agentic AI.
Utilizes real-time reporting for better portfolio management.
Maximizes performance, productivity, and profitability across commercial lending teams.
WaFd Bank’s Success with nCino
Discover how nCino's intelligent technology enabled WaFd Bank to improve customer experiences, drive an increase in loan volume, and quickly adapt to serve new customers during the COVID-19 pandemic.
Download the WaFd Case Study
Originate commercial loans 54% faster and increase efficiency at every stage of the loan origination cycle
Increase in new loan volume
Increase in conversion rates
Reduction in loan servicing costs
nCino enables us to be more efficient and more collaborative, especially around renewals and originations. With nCino, we have completely automated and digitized the loan approval process.
Jeff Bajek, CCO, Platinum Bank
Save Time with Automations
Gain efficiency and save time across your lending team with automation and intelligence. nCino Commercial Lending:
Onboards new customers and assesses their needs faster with preconfigured workflows.
Automates pre-qualifications and credit approvals based on your institution’s policy rules.
Identifies parameters in which a loan should be automatically approved, declined, or recommended for manual review.
Configured for Compliance
nCino Commercial 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.
Simplify Deal Management
Accessible within the CLOS, Deal Management provides a straightforward way to access and manage the overall deals of your clients’ loan and treasury products in real time. This feature within the solution:
Delivers a complete view of the relationship in a single location.
Enables easy structuring and management of credit/non-credit deals and products.
Provides commercial bankers with a way to easily navigate through large numbers of records.
Supports creation of sub-loans, information cloning, and bulk editing of details for shared records.
