Origination platform

The origination engine
for modern lending.

Purpose-built for credit teams. Real-time decisioning, streamlined workflows, and embedded compliance — from application to settlement.

See the platform Book a walkthrough →
app.nano.finance / applications
Dashboard
Applications
Customers
Reports
Admin
kate@fluentgroup.com.au
Guiseppe Smithson
#APP-324 Application Complete
ProductBond loan
Amount$4,400
TermN/A
Rate0.00%
RepaymentN/A
Submitted12 Mar 2026
General + Add
Overview
Documents
Decisioning
Financials
Tasks
Action list
Audit trail
Overview
Export
Loan amount
$4,400
Weekly repayment
$65.77
Interest rate
N/A
Product
Bond loan
Term
N/A
Est. repayment
0.00%
Application progress
✓
Personal details
✓
Employment verified
✓
Income confirmed
✓
Identity checked
✓
Bank statements
✓
Credit assessment
Tasks
+ Add task
To do
In progress
In review
Verify income
Payslip cross-check
payslip_mar26.pdf
Approved
Closed
1,284 applications live
Avg. decision time
11m
↓ 3m faster than last month
Trusted by

Platform overview

A complete origination system

Nano gives your team an integrated platform to manage every point of the origination process in one place. 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 stack. Without 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. Decisions in under 15 minutes — fully automated or broker-assisted.
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 Workflow 6 stages Last edited today
Stage 1
Application intake
Broker or direct channel
Auto-capture
Stage 2
Identity verification
GreenID · Frankie
Automated
Stage 3
Credit assessment
Equifax · Illion
11m avg
Stage 4
Serviceability
Open banking · CDR
Automated
Stage 5
Decision engine
Scorecard · Policy rules
Configurable
Stage 6
Settlement
NPP · BECS · Direct
Same-day
● 6 stages configured
Application → ID → Credit → Documents → Settlement
Decision engine — APP-2847
APP-2847 · Property Loan · $485,000
Jordan Mackenzie · Applied 09:08 today
Auto-approved
76/100
Overall score
Credit history 82
Income verified 91
Debt-to-income ratio 68
Identity confirmed 95
Employment stability 74
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.

Property Assessment
LVR 68%
Loan type Residential
Valuation $714,000
LVR
68%
PPSR check ● Clear
Title search ● Verified
Secured lending
Property
Residential and commercial mortgage origination, from first-home buyers to complex commercial deals.
Origination Pipeline
● Active
Submit
›
ID
›
Credit
›
Payout
Application APP-3012
Asset 2024 Toyota RAV4
Decision In progress
Secured lending
Vehicle finance
New and used vehicles, dealer finance, and novated leasing — automated from application to payout.
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.
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.

Numbers that matter

<0m

Average time from application submission to credit decision.

0%

Uptime across all production environments. Zero unplanned downtime.

0+

Pre-built integrations with bureaus, open banking, and core lending systems.

This is operational infrastructure, not conceptual architecture.

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.
EquifaxExperianIllionGreen IDFrankie OneBasiqFrolloNPPBECS DirectPPSRASIC ConnectLoanDolphinNextGenSimpology EquifaxExperianIllionGreen IDFrankie OneBasiqFrolloNPPBECS DirectPPSRASIC ConnectLoanDolphinNextGenSimpology

Customers

Nano cut our origination time from three days to under 15 minutes. Our brokers now submit twice the volume with the same team.

GM
Gavin Marshall
Chief Lending Officer, Plenti
<15 min
Average time from submission to credit decision
2× volume
Broker throughput without adding headcount
Weeks not months
Time to go live on a new product type

Infrastructure

Infrastructure that
compounds.

As your lending portfolio grows, Nano scales with it. Every workflow you configure, every integration you connect, and every decision model you build becomes institutional knowledge your platform carries forward.

Bank-grade security
SOC 2 Type II certified. Encrypted at rest and in transit. Pen tested quarterly.
99.98% uptime SLA
Multi-region deployment. No single point of failure. Real-time monitoring.
Australian data residency
All customer and financial data stored in Australian data centres. APRA-aligned.
98%
uptime, all environments

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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