Together taps nCino to Streamline Lending Processes

UK-based property lender Together has entered into a strategic partnership with cloud banking specialist nCino to improve and streamline its lending processes. Together, which is headquartered in Cheadle, UK, plans to implement nCino’s Cloud Banking Platform across all its key services, including bridging facilities, commercial loans, development finance, and regulated residential and buy-to-let mortgages.

Together, founded in 1974, has a loan book exceeding £6.8 billion and is known for its “common-sense approach” to property lending. The company evaluates each loan application on its individual merits rather than relying solely on automated processes. By adopting nCino’s platform, the lender aims to “future-proof” its business and increase efficiency.

Andrea Dalton, chief transformation officer at Together, stated that the partnership with nCino would help the company scale its operations while enhancing risk management and providing a more modern customer experience. Together originates over £200 million in loans monthly, and the integration of nCino’s platform is expected to offer digital consolidation, streamline risk management, and improve customer interaction.

nCino, based in Wilmington, North Carolina, provides Software-as-a-Service (SaaS) solutions to more than 1,800 financial enterprises worldwide. Its Cloud Banking Platform is designed to optimise the entire loan origination lifecycle. This year has been busy for the cloud banking specialist, as it recently acquired DocFox, a fintech company specialising in commercial bank account opening software. Additionally, nCino secured a partnership with Australia’s Summerland Bank in February to deploy its platform across consumer and business lending operations.

The collaboration between Together and nCino reflects a broader trend in the financial industry, where traditional lenders are turning to cloud-based technology to improve operational efficiency and deliver a more seamless customer experience. This move is expected to help Together stay competitive in a rapidly evolving property lending market and adapt to changing customer expectations.