Case Study: OakNorth achieves faster loan decisions and triple loan-book growth with nCino

OakNorth - Customer Case Study

OakNorth is a London-based challenger bank launched in 2015 that offers commercial loans of £500k–£25m and built the UK’s first fully cloud-hosted core. Growing rapidly (its loan book rose to £900m) while helping create 4,000 jobs, 3,600 homes and adding £3.6bn to the economy, the bank needed a secure, scalable digital solution to configure loan processes, speed decisions, meet regulators’ requirements, and integrate seamlessly with its cloud core.

After selecting and implementing the nCino Bank Operating System on Salesforce in 2016, OakNorth gained a single cloud platform combining loan origination, BPM, account opening and reporting. Two‑thirds of the 180-person team now use nCino, enabling faster, more transparent and automated lending (average time-to-close ~3 weeks, deals in as little as 48 hours), stronger compliance, and measurable growth—loan volume rose from £300m to £900m, and six-month deal activity increased from 44 (£200m) to 65 (£343m).

OakNorth

Tal Orly

CEO and Founder of Cogress