nCino

nCino is a banking software vendor headquartered in Wilmington, North Carolina, founded in 2011 as a spin-out of Live Oak Bank and listed on NASDAQ as NCNO. It sells a cloud platform that replaces the spreadsheets, email threads and disconnected legacy systems banks use to originate small business and commercial loans, where manual credit files slow approvals and hide portfolio risk.

The platform spans Small Business Lending, Commercial Lending, Consumer Lending, Mortgage, Account Opening, Portfolio Analytics and an Integration Gateway, with AI agents such as Banking Advisor and Analyst Digital Partner embedded in the credit workflow. Application intake, financial spreading, credit memo, approval, documentation and booking run against a single record. nCino reports over 2,700 customers worldwide, from community banks and credit unions to the largest global institutions, and runs a dedicated APAC operation.

1. Small Business Lending: automation that lets lenders originate SME loans without re-keying data between application, credit and booking.

2. Financial spreading: statements and tax documents are digitised into standard spreads for underwriting and rating.

3. Banking Advisor: AI agent that nCino reports makes document filing 3.5x faster in customer use.

4. Analyst Digital Partner: customers report relationship reviews completed 60-70% faster.

5. Portfolio Analytics: covenant tracking, risk rating and exposure reporting after the loan is booked.

6. Integration Gateway: prebuilt connectivity to core banking, bureau and document systems.