nCino Releases ProBanker, a Smart Solution for Commercial Lending Decisions.

nCino has announced the general availability of ProBanker by FullCircl, a solution that uses Experian Commercial bureau data to provide near real-time visibility into commercial credit status, affordability, and liquidity. This helps financial institutions make faster and more accurate lending decisions, supporting customers with timely funding opportunities.

London, September 02, 2025 — nCino, Inc. (NASDAQ: NCNO), a leading provider of intelligent, best-in-class banking solutions, has announced the general availability of ProBanker by FullCircl. This solution, developed in collaboration with Experian, leverages the Experian Commercial bureau data to offer near real-time visibility into commercial credit status, affordability, and liquidity. In an industry under increasing pressure to make faster and more accurate lending decisions, ProBanker addresses the challenge of relying solely on internal data. By providing a multi-bank, total market view of a customer’s credit exposure, ProBanker helps financial institutions track and monitor both opportunities and risks at a portfolio and individual level. An initial pilot with a major UK bank demonstrated the effectiveness of ProBanker. On average, it helped spot potential credit risks six months earlier than current processes and supported customers eligible for extended or new funding products. ProBanker draws on an exceptionally rich dataset of around 18 million UK commercial credit accounts and business current account data beyond the mandated CMA9 banks. The solution assists lending providers in several ways: - Accessing a multi-bank, total market view of a customer’s credit exposure - Tracking affordability and liquidity in near real-time - Strengthening portfolio health by identifying early warning signs of financial distress - Accelerating time to funding - Improving customer outcomes through proactive engagement and personalized outreach Immy Tugcu, Associate Director - Product Management at nCino, commented, “This isn't theoretical—it's about solving the fundamental problem every commercial lender faces: How do you assess true customer risk and identify opportunity when you only see part of their financial picture? ProBanker represents a timely and transformational capability for both traditional and alternative funding providers looking to improve portfolio performance, retain market share, and meet growing expectations around speed, compliance, and customer experience.” David Gallihawk, Chief Product Officer, Business Information Services at Experian UK&I, said, in reference to this quote: "In today’s fast-paced and increasingly complex lending environment, real-time, high-quality data and insight are the bedrock of being able to make confident, informed decisions at speed. ProBanker delivers exactly that." ProBanker is part of nCino’s suite of Smart Solutions, designed to help financial institutions digitize and reengineer business processes to boost efficiencies and create better banking experiences. By integrating artificial intelligence and actionable insights, nCino is helping financial institutions consolidate legacy systems to enhance strategic decision-making, improve risk management, and elevate customer satisfaction by cohesively bringing together people, AI, and data. References: [1] https://finance.yahoo.com/news/ncino-launches-probanker-fullcircl-solution-070000669.html [2] https://www.marketscreener.com/news/ncino-launches-probanker-by-fullcircl-a-new-solution-to-help-uk-lenders-identify-opportunity-and-ma-ce7d59dadf8ff42d