NCNO

Ncino, Inc.

A maker of cloud software for banks and credit unions, nCino provides a "Bank Operating System" that digitizes everything from mortgage and commercial lending to opening accounts. It began in 2011 as an internal software project at Live Oak Bank in Wilmington, North Carolina, where bankers wanted to replace slow, paper-heavy loan processes, then spun off as its own company. The name comes from the Spanish word "encino," meaning "live oak," a nod to the bank that birthed it — fitting for a firm rooted in coastal North Carolina.