About the Lender

The lender is a specialist consumer lender focused on supporting Australians who may face barriers accessing traditional credit. As a new player in asset finance, they sought to differentiate through flexible products, inclusive credit policies, and a digitally enabled lending experience tailored to both Brokers and direct customers.

The Challenge

Launching a new lending operation required more than just technology — it demanded a trusted partner that could deliver speed to market, reduce operational overhead, and handle high-risk lending profiles at scale. Having experienced the limitations of legacy IT systems, the leadership team prioritised flexibility, compliance, and platform usability. They needed a solution that could evolve with them.

The Solution

Nimo delivered a comprehensive, turnkey platform that enabled:

• Fast onboarding of Broker partners for accelerated market access
• Streamlined workflows for rapid conditional approvals and settlements
• Intuitive tools for high-risk profile assessment
• Real-time reporting, automation, and audit-ready compliance
• A scalable infrastructure ready to support national expansion

Results

Transformative business outcomes achieved:

• Faster processing – Conditional approvals issued within a day; settlements processed the next
• Broker network growth – National onboarding and activation delivered at pace
• High-volume efficiency – Nearly 1,900 applications processed in the first 6 months
• Improved conversion – 49% increase in settlement rates in the second quarter
• Geographic growth – 50% of new loans originated from interstate customers
• Portfolio balance – Largest Broker accounts for just 22% of loan volume
• Wider reach – 42% of borrowers are over 35, showing platform accessibility across demographics

What the Lender said

“Our partnership with Nimo has been transformative. From the start, they were incredibly accommodating, helping us transition from a startup to writing our first loan using their platform in a remarkably short time. Their proactive and reactive engagement, focus on meaningful solutions, and responsiveness have brought immense value to our partners, lenders, consumers, and the broader ecosystem…

Nimo’s approach to innovation has led to significant advancements in our asset finance business. Their platform has enabled us to originate loan volumes at only a quarter of the FTE that management achieved in previous businesses…

What sets Nimo apart is their unique approach to collaboration, influence across the industry, and speed of execution. Their technical capabilities and problem-solving mindset are unparalleled. Nimo’s ability to integrate innovative technologies to solve industry challenges makes them a standout in the fintech space…

Since partnering with Nimo, we have seen remarkable growth. Our loan book has increased significantly, and we have expanded our market segment and geographical customer spread. The efficiency gains and improved workflows have allowed our originations team to operate at a much greater efficiency, contributing to our overall success.”

About the Lender

The lender is a full-service financial institution supporting both consumer and business lending. Known for its strong community ties and strategic ambitions, the organisation sought a technology partner to help transition from legacy systems to a future-ready digital infrastructure.

The Challenge

To modernise effectively, the lender required a digital solution capable of integrating into an existing middleware environment—something no provider had been able to deliver. Seamless integration with mortgage Brokers, lenders’ mortgage insurers, and back-office workflows was essential for achieving their strategic growth plans and improving customer experience.

The Solution

Nimo delivered an end-to-end lending platform tailored to the lenders technical and operational needs:

• Successfully connected with the lenders middleware, enabling streamlined integration across systems
• Delivered a world-first integration with a major global insurance partner
• Enabled scalable origination and Broker operations with improved automation and usability
• Provided a cloud-based, compliance-ready platform purpose-built for financial services

Results

Real business outcomes delivered:

• Unmatched integration capability – First and only provider to connect to the lenders middleware stack
• Global-first innovation – Enabled a world-first live integration with a tier-one insurance provider
• Broker-driven growth
  • 27% increase in Broker applications (Feb 2025 vs. Feb 2024)
  • 84% increase in Broker settlements year-on-year
• Streamlined customer experience – Faster decisioning, smoother digital workflows for customers and staff

What the Lender said

“The Nimo personal loan origination process has achieved remarkable results. It’s a streamlined, customer-centric journey delivering both fast and efficient approvals through a user-friendly and technologically advanced interface that supports both our customers and our business.”

About the Lender

An ADI, this lender historically focused on serving a defined regional community. As customer expectations and competition increased, they sought to modernise their lending channels across all products while positioning themselves for national relevance.

The Challenge

With growth ambitions outpacing its legacy systems, the lender needed a digital lending platform that could modernise operations, scale efficiently, and extend its reach beyond its traditional regional base. Manual processes and limited online functionality were restricting customer growth and slowing internal workflows. To remain competitive and future-ready, the institution required a turnkey solution that could deliver fast time-to-market, seamless Broker support, and a frictionless customer experience across a broader national footprint.

The Solution

Nimo’s full-service lending platform delivered a future-ready foundation for national expansion:

• Enabled the launch of online home loans in under six months
• Improved loan processing times and usability across age groups
• Equipped staff and Brokers with intuitive tools that reduced assessment and fulfilment time
• Provided scalable infrastructure for product innovation and increased visibility

Results

Tangible business transformation:

• National expansion – 63% of loans originated outside the institution’s traditional catchment
• Settlement growth – 39% increase in value over three months
• Refinance acceleration – 66% of settlements were from competitor institutions
• Efficiency uplift – 4 hours saved per loan for Brokers; 2 hours in loan assessment
• Broad usability – 38% of users aged 45–75, confirming intuitive UX
• Massive growth:
  • +755% increase in loan value (Jan ’23–Jan ’24)
  • +267% increase in loan value (Feb ’23–Feb ’24)

What the Lender said
“The growth in loan applications and portfolio size would have been impossible without Nimo’s reliable, seamless front-end solution.”

“Previously, our reach was limited to one region — now, we’re receiving applications from every state in Australia.”

“What stood out was Nimo’s ability to broaden our options, not restrict them. We’ve transitioned to new suppliers and saved significant time and cost.”

About the Lender

This non-ADI lender set out to disrupt the market with a new to market complex lending product. Without the infrastructure of a traditional bank, they needed a nimble, enterprise-grade platform that could adapt to unique lending logic, integrate seamlessly with partners, and support aggressive growth targets from day one.

The Challenge

Launching a digital lending business from scratch required more than a standard SaaS offering. The organisation needed a partner who could move at speed, tailor workflows to suit a specialised product, and build a scalable foundation for long-term growth. Time-to-market was critical and any delays risked undermining investor confidence and first-mover advantage.

The Solution

Nimo delivered a highly configurable out-of-the-box  platform that was rapidly adapted to suit the lender’s unique product requirements. This included delivering same-day enquiry-to-settlement capabilities, a fully digital origination process, and seamless integrations with third-party services including core banking. Nimo has remained a trusted partner since launch, supporting continuous platform evolution, strategic enhancements, and scalable growth.

Results

Exceptional outcomes delivered:

• 5x increase – In settlement value year on year
• 170% uplift – In settlements year on year
• Same-day loan cycle – Implemented for flagship product
• Fast-track delivery – From idea to live platform in just 12 months
• Ongoing delivery – Continuous improvements powering sustained year-on-year growth

What the Lender said

“Huge thanks to our incredible partners at Nimo who worked hard to deliver a platform that enables same-day enquiry to settlement — something critical to our flagship product.”

“We couldn’t have launched as quickly or as confidently without Nimo’s deep expertise and agile support. We’re excited to continue building what’s next together.”

About the Lender

The lender is a mission-led financial organisation with a strong foundation in ethical and faith-based financial services. With aspirations to extend its offering into lending, the organisation sought a technology partner that could deliver a custom digital platform meeting both cultural expectations and compliance standards — without compromising on customer experience or scalability.

The Challenge

Developing a lending solution that aligns with faith-based ethical principles required more than product configuration. The organisation needed a fully customisable digital origination platform that could embed faith based compliant structures across the entire customer and operational journey. The challenge also demanded a high degree of digital sophistication to ensure fast, accessible, and intuitive service delivery — all while launching a category-first product in an emerging financial niche.

The Solution

Nimo delivered a purpose-built origination platform tailored to the lender’s ethical and operational requirements. This included embedding compliant transaction flows into front and back-office processes, streamlining application cycles from weeks to days, and enabling a fully digital customer journey. Nimo continues to support the organisation post-launch, delivering ongoing enhancements that underpin scalable growth and product evolution.

Results

Delivering Australia’s first digital-native faith-aligned financial product experience:

• First-of-its-kind launch – Created a fully digital, faith-aligned financial product
• Faith based workflows – Embedded across customer, Broker, and operational touchpoints
• Faster processing – Reduced application timeframes from weeks to days
• Culturally aligned UX – Tailored experience reflecting both ethical expectations and customer needs
• Strategic growth – Positioned to lead in one of the world’s fastest-growing responsible finance sectors

What the Client said

“Nimo has been instrumental in enabling us to deliver a lending experience that is both community-focused and technologically advanced.”

“Their team provided invaluable guidance through complex regulatory and cultural requirements.”

“The result is a digital product that reflects our values, enhances trust, and improves the experience for our customers.”