Digital lending and origination

SaaS modules to suit your journey

Launch new lending products fast with our modular solutions

Compliant and secure digital applications

Accelerate applications with automated data capture and verification.

Configurable forms

Capture structured information with unlimited configurable forms.

Responsible lending

Meet obligations through a compliant framework and structured question library.

Quality data and verification

Self-assess your current tech stack against the industry leaders to find your hidden bottlenecks.Quality data and verification

Intelligent document processing

Read, identify, extract, populate and verify data with AI from application documents and third-party services.

Smart recommendations

Recommend the right product using automated rules aligned to credit policy.

White-label customer portal

Give applicants a simple, branded portal to complete tasks and track progress.

Broker portal

Enable brokers and dealers to rework applications, provide information and submit cases efficiently.

Automate data capture via voice

Engage, capture and populate information from a customer voice call using Nimo’s AI agent.

Assessment and decisioning

Speed up complex decisioning while ensuring policy alignment and audit-ready transparency.

Intelligent decision engine

Approve or reject applications automatically using configurable rules and risk models.

Unified data aggregation

Request and view bureau data, fraud checks, valuations and verification in one place.

Exception handling

Route complex cases into controlled manual workflows with clear authority levels.

Secure back-channel messaging

Send real-time SMS and email updates through our secure onshore integrated services.

Audit compliance logs

Keep a complete, transparent record of decisions and actions for compliance.

Delegated level of authority

Ensure assessments follow approved authority levels with controlled access.

Improve credit assessment processes

Extract and present data against rulesets with Nimo’s AI, eliminating human error and downtime.

Settlement automation

Real-time solicitor updates that keep staff, brokers, and customers aligned.

Generate digital contracts

Create accurate, compliant contracts using approved templates

Digital signing

Capture digital signatures to remove delays and manual processing.

Automated disbursements

Calculate settlement amounts and transfer funds automatically and securely.

Broker commissions

Accurate and transparent commission calculations and disbursements

Frequently asked questions

Nimo improves lending efficiency as the platform eliminates manual data entry, and speeds up decisioning with its intelligent decision engine, allowing banks and non-bank lenders to reduce approval times from days to minutes.

Yes. Nimo is engineered with ‘compliance-as-code’ to meet APRA CPS 230 operational resilience standards. It provides real-time monitoring of critical lending operations, automated audit trails for ASIC enforcement priorities, and onshore data sovereignty to satisfy Australian regulatory requirements.

While Nimo offers a full-stack core banking solution, the origination platform is highly modular. It can function as an agile lending layer that integrates with legacy core systems via robust APIs, allowing banks and lenders to modernise their lending experience without a full core replacement.

Yes, Nimo consolidates all broker requirements into a single, integrated platform that manages the entire product lifecycle, including commissions. Brokers can initiate the application journey via Nimo broker forms, NextGen or their CRM. Nimo simplifies the management of multiple systems, enabling brokers to focus more on client relationships and less on administrative tasks.

Yes. AI-enabled lending is compliant when built with the framework of transparency and explainability that Nimo provides. By removing subjective human bias and utilising real-time data (such as Open Banking), AI helps lenders strictly adhere to Responsible Lending Obligations (NCCP), ensuring every decision is data-driven, auditable, and secure.