The origination engine for asset lenders.

Purpose-built for credit teams. Real-time decisioning, structured workflows, and a full audit trail. From application to settlement.

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app.nano.finance / applications
Dashboard
Applications
Customers
Reports
Admin
Applications
1,247 applications total
New application
All
In Progress
Awaiting docs
Approved
Settled
Declined
Application ID
Applicant
Product type
Loan amount
Submitted
Status
Assigned to
APP-2847
Jordan Mackenzie
Property Loan
$485,000
In Review
APP-2846
Sarah Lim
Vehicle Finance
$42,500
Approved
APP-2845
Michael Torres
Microfinance
$8,500
Awaiting Docs
APP-2844
Emma Kowalski
Property Loan
$720,000
Settled
APP-2843
James Briggs
Marine Lending
$95,000
Declined
APP-2842
Claire Dunne
Property Loan
$560,000
In Review

Platform overview

A complete origination system

Nano gives lending & credit teams a single platform for the origination lifecycle. Application to settlement, in one controlled framework. From application submission to credit assessment, documentation, and settlement without navigating multiple systems.

Configured, not coded. Live in weeks.

app.nano.finance / applications
Property Loan — Origination Pipeline
Live view · Updated just now
Application submitted
47
2.1h avg
Identity verified
40
4.3h avg
Credit assessment
32
11m avg
Serviceability check
26
8m avg
Decision
20
auto
Settlement
14
same-day
47
Active applications
11m
Avg. decision time
98%
SLA compliance
14
Settled today

Core capabilities

The full origination stack. None of the overhead.

Everything your credit team needs. Configured to your products, your rules, your workflows.

01
Workflow configuration
Design and manage complex origination workflows without writing a line of code. Stage logic, conditional branching, and document requirements are all configurable through the UI.
02
Real-time decisioning
Native decision engine with configurable scorecards, policy rules, and bureau integrations. Home loan decisions in under 15 minutes, demonstrated in production. Other asset classes can be even faster.
03
Embedded audit trail
Every action, decision, and data change is timestamped and attributed. Full compliance-grade audit logs with no additional configuration required.
Workflow builder — Property Loan
Property Loan · Origination Workflow6 stagesLast edited today
1
Application intake
Broker or direct channel
Configurable
2
Identity verification
GreenID · Frankie
Automated
3
Credit assessment
Equifax · Illion · 11m avg
In progress
4
Decision engine
Scorecard · Policy rules
Configurable
5
Documents & disclosure
DocuSign · LIXI
Automated
6
Settlement
NPP · BECS · Direct
Same-day
Decision engine — APP-2847
APP-2847 · Property Loan · $485,000
Jordan Mackenzie · Applied 09:08 today
Auto-approved
76/100
Overall score
Credit history82
Income verified91
Debt-to-income ratio68
Identity confirmed95
Employment stability74
Policy rules — 8 / 8 passed
Min. credit score
Max. LVR 80%
Serviceability
No defaults
ID verified
PPSR clear
Audit trail — APP-2847
Audit log
12 events
All events
Decisions
System
User actions
Application submitted
James Kaminski · via broker portal
09:12
ID verification completed
System · GreenID
09:14
Credit bureau report pulled
System · Equifax
09:15
Scorecard executed — score 76/100
System · Decision engine v3.1
09:16
Decision: Auto-approved
System · All 8 policy rules passed
09:23
Approval conditions issued
James Kaminski
09:24
Document request sent to applicant
System · via email
09:24
Settlement initiated
James Kaminski
11:02

Asset classes

Pre-built for every asset class.

Each asset type ships with default workflows, document requirements, and decisioning logic. Configure further without starting from scratch.

View all products →
Property Assessment
LVR 68%
Loan typeResidential
Valuation$714,000
LVR
68%
PPSR check● Clear
Title search● Verified
Secured lending
Home loans
Residential and commercial mortgage origination, from first-home buyers to complex commercial deals.
Learn more
Origination Pipeline
● Active
Submit
›
ID
›
Credit
›
Payout
ApplicationAPP-3012
Asset2024 Toyota RAV4
DecisionIn progress
Secured lending
Vehicle finance
New and used vehicles, dealer finance, and novated leasing; automated from application to payout.
Learn more
Document Checklist
4 / 5
Vessel registration
Insurance certificate
PPSR registration
Applicant ID
Marine survey
Secured lending
Marine lending
Boat and watercraft finance with PPSR registration and asset valuation workflows built in.
Learn more
Decision Speed
Avg 11 min
Bureau pull
4.2s
Scorecard
0.8s
KYC check
8.1s
Total
11 min
Unsecured lending
Microfinance
High-velocity small loan origination with streamlined KYC, fast bureau pulls, and same-day decisioning.
Learn more

Performance

Numbers that matter

<10m

Home loan decision time, demonstrated in production.

99.98%

Production uptime SLA across all environments.

30+

Managed integrations across KYC, credit bureaus, CRM/marketing automation, income verification, document generation, solicitors and more.

Integrations

Designed to integrate with your stack.

Nano connects to the systems your lending business already relies on. Plug in your bureau, open banking provider, payment gateway, and more.

View all integrations →
KYC & KYB
Identity and business verification. Green ID, Frankie, AU10TIX.
Loan management
Connect your LMS for seamless settlement, servicing, and portfolio handoff.
Open banking
CDR-compliant data access. Basiq, Frollo, and direct bank connections.
Security registries
PPSR searches and registrations, direct ASIC and land title connections.
Payments
NPP, BECS, and direct debit. Settlement and repayment automation.
XeroTwilioSlackSinch SMSSimpologySendGridPPSRNetsuiteMailchimpLoan SphereInfoAgentHubspotGreen IDGoogle MapsGBGFinpowerEquifaxCustomer.ioCreditsenseCotality (formerly CoreLogic)BizCoreBasiqASICAPLYiDAgrolendingAccentureSalesforceNCC GroupAWSInfoTrackAkahuillionCentrixExperianFrankieOneXeroTwilioSlackSinch SMSSimpologySendGridPPSRNetsuiteMailchimpLoan SphereInfoAgentHubspotGreen IDGoogle MapsGBGFinpowerEquifaxCustomer.ioCreditsenseCotality (formerly CoreLogic)BizCoreBasiqASICAPLYiDAgrolendingAccentureSalesforceNCC GroupAWSInfoTrackAkahuillionCentrixExperianFrankieOne

Customers

"Through our digital mortgage offer, we'll reduce the time to unconditional approval for a residential home loan from days to hours, and in many cases, minutes"

SO
Sean O'Malley
AMP Group Executive
<10 min
Average time from submission to credit decision
2x volume
Broker throughput without adding headcount
Weeks not months
Time to go live on a new product type

Infrastructure

Infrastructure that compounds.

Bank-grade security
Data security with ISO 27001 and SOC 2 Type II certifications. Bank grade data handling with all data stored and processed in Australia.
99.98% uptime SLA
Multi-region deployment. No single point of failure. Real-time monitoring.
Australian and New Zealand data residency
Australian customer data stored in Australian data centres. New Zealand customer data stored in New Zealand data centres. APRA and RBNZ aligned.

Get started

Every lending product is different. The best way to understand Nano is to see it running on yours.

Book a walkthrough with the Nano team and see your product live on the platform.

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