Nivo, a lending workflow technology provider, has launched a new AI-powered proposition designed to help lenders and brokers gather information, validate documents and package loan cases correctly the first time.
The solution introduces AI agents that operate continuously via email, collecting documents, verifying submissions, chasing missing information and helping teams prepare fully packaged cases more efficiently.
Nivo said the launch reflects both the rapid evolution of AI capabilities and long-standing workflow challenges across the UK lending sector.
Matthew Elliott, Co-founder and Chief Commercial Officer at Nivo, said, “We’ve always been focused on the same core issue: how hard it is to get everything needed for a loan. Email is still everywhere, documents still arrive in different formats, information is often incomplete, and experienced people are still spending huge amounts of time chasing, checking and fixing things.
That is why this is such a good fit for generative AI. Our platform already sees the real work of lending in natural language every day: messages, documents, ID checks, evidence, questions, clarifications and exceptions. Generative AI is strong at dealing with that kind of unstructured communication and turning it into organised workflows and outputs.
Rather than using AI for one task at a time, we have focused on building AI agents that can work like a team member — 24/7, over email, instantly responsive and highly scalable.”
The company conducted discovery work with more than 50 lenders, brokers and prospects while developing the product. According to the research, most organisations reported right-first-time case completion rates of 50% or lower.
Common operational challenges identified included chasing clients for documents, verifying submission completeness, correcting missing or incorrect information, managing KYC and identity checks, preparing application packs and re-keying data into lender portals.
Elliott added, “This means many lending teams are spending far too much of their time fixing admin problems instead of moving new cases forward. Against this backdrop, the shift from task-based AI to more agentic, workflow-driven AI could be transformative for lending.”
Nivo’s technology originated within Barclays, before being spun out as an independent company. Over the past five years, the platform has grown to support more than 100 lenders and brokers, providing tools for secure communications, document exchange, identity verification and workflow automation.
The new AI agents build on this existing infrastructure, enabling the platform to automate more complex loan origination tasks rather than supporting individual steps in isolation.
Elliott said, “We’ve pivoted our sales message fully to AI, reorganised around it, and invested heavily in strengthening the platform with the support of lender and broker clients who have backed projects with us.
The result is something we think is genuinely useful: AI agents for lenders and brokers that can gather information and documents, check what comes back, chase what is missing, and help deliver a packaged case right first time.”
Nivo plans to release additional market insights detailing its research findings on lending workflow inefficiencies and the most common bottlenecks in the loan origination process.
Copyright © 2026 FinTech Global
