nCino, has announced the launch of ProBanker by FullCircl, a new product designed to help UK lenders better manage risk and uncover opportunities across their business portfolios.
The launch follows nCino’s acquisition of FullCircl last year, strengthening its capabilities in client lifecycle management for regulated businesses.
The decision to introduce ProBanker comes as financial institutions face heightened pressure to make quicker and more accurate lending decisions. Relying solely on internal data has become insufficient in the current economic climate, driving the need for solutions that combine external insights with existing processes.
nCino is known for its suite of banking technology products that help financial institutions streamline operations, improve compliance, and accelerate customer engagement. By embedding data-driven intelligence into lending workflows, the company supports banks and lenders in improving efficiency while managing regulatory and financial risk.
ProBanker, developed in collaboration with Experian, uses Experian Commercial bureau data to give lenders near real-time visibility into commercial credit status, affordability, and liquidity. This enables banks and financial institutions to monitor both opportunities and risks at portfolio and individual levels, offering a more complete picture of borrower health.
The platform is supported by a dataset of around 18m UK commercial credit accounts, as well as business current account data that goes beyond the mandated CMA9 banks. It provides lenders with the ability to track liquidity and affordability in real time, strengthen portfolio health by identifying early signs of financial stress, and accelerate time to funding.
During an initial pilot with a major UK bank, ProBanker reportedly enabled the institution to identify potential credit risks around six months earlier than its existing processes, while also highlighting opportunities for extended or new funding products.
ProBanker’s features include multi-bank views of customer credit exposure, proactive monitoring of affordability, and tools for personalised outreach, designed to enhance customer outcomes while improving retention and portfolio performance.
nCino associate director of product management Immy Tugcu said, “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.”
Experian UK&I chief product officer for business information services David Gallihawk said, “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. Our collaboration with nCino will bring greater transparency and help modernise lending opportunities, allowing clients to unlock deeper value from their portfolios.”
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