# Fueling Small Business Dreams, One Experience at a Time Deploy adaptive, intelligent workflows at each stage of the credit lifecycle, designed to give small business clients a frictionless experience throughout the entire relationship. Enrich your business lending with our intelligent Small Business Loan Origination System. --- ## 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. --- ## SBL Stats - **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 --- ## Explore More ### 3 Ways to Strengthen Relationships with Your Small Business Customers Finding the right solution for small business banking can be a difficult process. Whether you’re an institution who serves small businesses or a small business owner yourself, you deserve the best possible experience. When it comes to delivering an outstanding experience, personalization is key. By tailoring services to meet the unique needs of each small business owner, financial institutions can foster strong and lasting relationships. [Read more](/three-ways-strengthen-relationships-small-business-customers) ### Streamline Compliance and Prepare for Dodd-Frank 1071 with nCino's Small Business Banking Solution As if simplifying compliance in the financial sector wasn’t already a challenge, recent news surrounding Dodd-Frank 1071 continues to complicate matters and raise questions. [Read more](/prepare-dodd-frank-ncino-small-business-solution) ### Above Average: Unlocking the Full Potential of the Small Business Market For many financial institutions \(FIs\) in the United States, small businesses represent a vital market that hasn’t yet been fully banked. Depending on what these FIs do next, this could be viewed as an occasion for growth, or a lost opportunity. Small business in the U.S. has continued to grow since the COVID-19 pandemic. Today there are over 33 million small businesses in the market, who represent $115 billion in revenue. With today’s advanced technology, financial institutions can tap into the unmet potential of small business banking. To do so, they must strike the right balance between a traditional high-touch strategy and an innovative high-tech approach.Time for Innovation: Delivering High-Tech to Small BusinessesTraditionally, small business banking has been approached with a high-touch process. However, it’s no longer enough to rely only on in-branch experiences and services when it comes to small business banking clients. [Read more](/above-average-unlocking-full-potential-small-business-market) ### nCino Announces Partnership with Grasshopper to Streamline Bank’s Internal Processes and Enhance Client Experience Grasshopper, a digital bank, has partnered with nCino to improve its commercial and SBA lending businesses. nCino's cloud-based banking platform will help Grasshopper to improve its internal efficiency, speed to market, and customer experience. [Read more](/ncino-announces-partnership-grasshopper-streamline-banks-internal-processes-enhance-client-experience) --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)