Ultimately, the nCino platform has enabled us to get more money into the hands of our clients more quickly, and we remain ready to continue supporting our clients through the next wave of funding and beyond." nCino was started in 2012 by bankers and entrepreneurs who found the commercial lending process to be "inefficient and time-consuming." Led by James (Chip) Mahan III, the CEO of Live Oak Bancshares Inc., his team set out to develop a secure cloud-based solution that would enable banks to increase transparency, efficiency and profitability while ensuring regulatory compliance. Enter nCino Bank Operating System, which filled that void at Live Oak. Soon it attracted interest from other financial institutions. Today, it works with more than 250 financial institutions globally whose assets range in size from $200 million to $2 trillion, and has been featured by top publications such as Forbes, Entrepreneur and American Banker.