Origination infrastructure

Built for how lending actually works.

Nano structures the entire origination lifecycle. Application intake, credit decision and documentation, in a single controlled framework. Purpose-built for asset lending.

Talk to us

<10min

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 provides the structure that workarounds cannot.

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.

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.

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.

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.

Audit & documentation

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

Application received

Validate required fields

Decision policy

Run credit_ruleset

Stage routing

Branch on decision_status

Approved

Review

Generate pack

Create documents

Assign queue

Manual review SLA

Asset classes

Pre-configured for your lending type.

Each asset class ships with default workflows, document requirements and decisioning logic. Configure further. Do not start from scratch.

Home loans: Residential mortgage and broker lodgement. Decisions in under 10 minutes, 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.
Specialist lenders: 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.

Book a walkthrough

See the platform