Workflow configuration
01Design and manage complex origination workflows without writing a line of code. Stage logic, conditional branching, and document requirements are all configurable through the UI.
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.
app.nano.finance / applications / APP-2847
Dashboard
Applications
Customers
Reports
Admin
giuseppe@example.com
Overview
Export
Loan amount
$4,400
Weekly repayment
$65.77
Interest rate
8.95%
Product
Bond loan
Term
24 months
Est. repayment
$46.20/weekly
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
10m
↓ 3m faster than last month
A complete origination system
Platform overview
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
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
The full origination stack. None of the overhead.
Core capabilities
Everything your credit team needs. Configured to your products, your rules, your workflows.
Real-time decisioning
02Native decision engine with configurable scorecards, policy rules, and bureau integrations. Home loan decisions in under 10 minutes, demonstrated in production. Other asset classes can be even faster.
Embedded audit trail
03Every action, decision, and data change is timestamped and attributed. Full compliance-grade audit logs with no additional configuration required.
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
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
Pre-built for every asset class.
Asset classes
Each asset type ships with default workflows, document requirements, and decisioning logic. Configure further without starting from scratch.
- Home loan assessmentLVR 68%Loan typeResidentialValuation$714,000LVR68%PPSR check● ClearTitle search● Verified
Home loans
Secured lending
Residential and commercial mortgage origination, from first-home buyers to complex commercial deals.
- Origination Pipeline● ActiveSubmit›ID›Credit›PayoutApplicationAPP-3012Asset2024 Toyota RAV4DecisionIn progress
Vehicle finance
Secured lending
New and used vehicles, dealer finance, and novated leasing; automated from application to payout.
- Document Checklist4 / 5Vessel registrationInsurance certificatePPSR registrationApplicant IDMarine survey
Marine lending
Secured lending
Boat and watercraft finance with PPSR registration and asset valuation workflows built in.
- Decision SpeedAvg 11 minBureau pull4.2sScorecard0.8sKYC check8.1sTotal11 min
Microfinance
Unsecured lending
High-velocity small loan origination with streamlined KYC, fast bureau pulls, and same-day decisioning.
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.
Designed to integrate with your stack.
Integrations
Nano connects to the systems your lending business already relies on. Plug in your bureau, open banking provider, payment gateway, and more.
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 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"
<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 that compounds.
Infrastructure
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
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.
99.98%
uptime, all environments
Every lending product is different. The best way to understand Nano is to see it running on yours.
Get started
Book a walkthrough with the Nano team and see your product live on the platform.