Origination infrastructure

Built for how lending actually works.

Nano structures the entire origination lifecycle — from application intake to credit decision and documentation — in a single controlled framework. Purpose-built for asset lending.

Talk to us
<15min
Home loan decisioned in production, end to end
100%
Audit trail maintained automatically across every decision
Operational infrastructure, not conceptual architecture. Nano runs live in production environments across multiple asset classes in Australia and New Zealand.
The problem

Most origination environments are held together with workarounds.

Spreadsheet-based processes. Disconnected systems. Manual handoffs between intake, underwriting and documentation.

Each gap creates delay, compliance risk and operational overhead that compounds as volume grows.

Nano is the infrastructure that replaces that structure.

Before Nano
Application received via email. Manually entered into spreadsheet. Sent to underwriter.
Before Nano
Credit bureau pulled manually. Decision recorded in a separate system. Documents drafted in Word.
Before Nano
Audit trail reconstructed after the fact. Compliance reported manually each quarter.
With Nano
Every stage structured, automated and logged within a single controlled system.
Capabilities

Four stages. One system.

Each stage of the origination lifecycle operates within the same controlled framework. No integrations between disconnected tools. No gaps in the audit trail.
01 — Intake

Application intake

Configure submission flows for direct, broker and embedded channels. Define fields, conditions and validations that match your credit policy. Launch new products without rebuilding.

02 — Decisioning

Credit decisioning

Deploy credit rules as executable logic. Run champion and challenger strategies in live production. Adjust policy without engineering releases. Full decisioning audit maintained automatically.

03 — Workflow

Workflow orchestration

Define the stages, queues and handoffs that move applications through the system. Intelligent routing directs work to the right reviewer at the right time. Next best actions reduce manual decision points.

04 — Compliance

Audit & documentation

Every rule applied, every decision made and every document generated is logged automatically. Full traceability without manual effort. ISO27001 and SOC2 certified.

Asset classes

Pre-configured for your lending type.

Nano provides turnkey origination templates configured by asset type. Configure new lending products within the existing framework — not from scratch.
Home loans
Residential mortgage and broker lodgement. Sub-15-minute decisions demonstrated in production.
Vehicle finance
Auto loans and dealer network origination. Automated underwriting from application to approval.
Marine lending
Watercraft and specialty asset finance. Structured workflows for niche asset classes.
Microfinance
Small-value loans and BNPL. High-volume origination with automated decisioning.
Personal loans
Unsecured lending with configurable credit policy and real-time data integrations.
Equipment finance
Asset-backed commercial lending. Configurable within the same origination framework.
Who it's for

Built for lenders who are serious about operations.

Nano is designed for operators who need structured infrastructure, not a blank-slate platform or an enterprise transformation project.

Non-bank lenders

Operators moving from spreadsheet-led processes to structured infrastructure. Professionalise origination without enterprise complexity or long implementation cycles.

Asset finance specialists

Auto, marine, equipment and niche lending configured for your specific product structure, distribution model and credit policy. Multiple asset classes, one platform.

Emerging lenders

Launch new products quickly. Configure for multiple asset classes within the same framework. Operate with full audit compliance from day one without building the infrastructure yourself.

Get started

Every lending model is different.

The fastest way to understand what Nano would look like for yours is to talk through it. No deck. No demo script. Just a conversation about your origination environment.