Commercial loan origination systems are essential for banks and credit unions to efficiently manage the end-to-end process of originating, underwriting, and a few have servicing modules. In our next Spotlight we will focus on Servicing vendors for complex credits. Commercial loan origination platforms streamline workflows, enhance risk assessment, and ensure compliance with regulatory requirements such as those from the OCC and FDIC. In an increasingly competitive landscape, these systems enable faster decision-making, better portfolio management, and integration with core banking systems, ultimately supporting institutions in building profitable commercial lending portfolios.

What’s Going On in Commercial Loan Origination

In 2025, the commercial loan origination market is thriving, driven by digital transformation and increasing demand for automation. The global loan origination software market is projected to grow at a CAGR of 10.73% from 2022 to 2030, reaching USD 9.54 billion by 2030, with North America holding a significant share Global Loan Origination Software Market to Offer Revenue. Key trends include AI-driven underwriting for faster decisioning (e.g., reducing approval times by up to 40%), cloud-based scalability for real-time data access, and seamless integration with core systems AI in Lending Market Size, Share, Trends | CAGR of 23.5%. Community banks (<USD 10B assets) prioritize cost-effective, user-friendly, while regional (USD 10B-100B) and large banks (>$100B) favor enterprise solutions for complex, high-volume portfolios. Gaps exist in some platforms that blend commercial and consumer lending, offering versatility but less specialization for niche needs like syndicated loans. The shift toward cloud solutions and AI, coupled with compliance demands, is reshaping the market, enabling lenders to enhance operational efficiency and borrower experience.

Many systems now support a wide array of loan types:

• Term loans
• Lines of credit (LOC)
• Working capital
• Commercial real estate (CRE)
• Equipment financing
• Asset-based lending (ABL)
• Small Business Administration (SBA) loans
• Syndicated loans
• Bridge loans.
  
  

However, coverage gaps exist; some vendors blend commercial with consumer lending, offering versatility but less specialization.

Commercial Loan Origination Vendor Snapshot

This list is not exhaustive and does not include all vendors in the space, if you are a vendor not featured, please let us know so we can consider updates.

• Finastra – Fusion Lending Suite: Supports term loans, working capital, lines of credit (LOC), asset-based lending (ABL), multi-currency transactions, SBA loans, equipment financing, and commercial real estate (CRE) loans. Targets regional and large banks. Widely used by large US banks and credit unions for end-to-end origination, including default management and payment processing. Website: www.finastra.com
• nCino – Commercial Lending Suite: Supports term loans, LOC, CRE loans, SBA loans, bridge loans, equipment financing, and working capital. Targets regional and large banks. Cloud-based with scalability and Salesforce integration; emphasizes compliance and risk monitoring. Website: www.ncino.com
• Moody’s Analytics – Lending Suite: Supports term loans, working capital, CRE loans, lines of credit, asset-based financing, and SBA-compatible products. Targets regional and large banks. Leverages data analytics for credit risk. www.moodysanalytics.com
• FIS (Fidelity National Information Services) – Loan IQ: Supports corporate term loans, syndicated loans, revolving credit facilities, working capital, and CRE loans. Targets large banks. Designed for complex corporate lending. Website: www.fisglobal.com
• Jack Henry & Associates – LoanVantage: Supports term loans, LOC, equipment financing, CRE loans, SBA loans, and construction loans. Targets community and regional banks. All-digital platform for origination, underwriting, and management.
• Nortridge Software – Nortridge Loan System: Supports term loans, LOC, equipment financing, CRE loans, SBA loans, and asset-based lending. Targets community, regional, and large banks. Includes repayment restructuring and reporting. Website: www.jackhenry.com
• Wipro – NetOxygen LOS: Supports term loans, LOC, working capital, CRE loans, and equipment financing. Targets regional and large banks. Enterprise solution integrating with core systems for origination and underwriting. www.wipro.com
• TurnKey Lender – TurnKey Lender: Supports term loans, working capital, LOC, equipment financing, and SBA-compatible loans. Targets community and regional banks. AI-driven with automated decisioning for SME and corporate lending. Website: www.turnkey-lender.com
• Newgen Software – Newgen OmniLending: Supports corporate term loans, syndicated loans, working capital, CRE loans, LOC, equipment financing, SME loans, and corporate loans. Targets regional and large banks. End-to-end solution with AI/ML for underwriting. Website: www.newgensoft.com
• Automated Financial Systems (AFS) – AFSVision: Supports term loans, LOC, C&I (Commercial & Industrial), syndicated loans, working capital, CRE, equipment financing, and multi-currency. Targets regional and large banks. Fully integrated for origination to servicing; emphasizes portfolio analytics and third-party integrations. Website: www.afsvision.com
• Shaw Systems – Shaw Systems Loan Management: Supports term loans, LOC, working capital, CRE, equipment financing, mortgages (commercial), ABL, and syndicated loans. Targets community, regional, and large banks. Blends commercial with consumer loans for diverse lenders. Website: www.shawsystems.com
• Abrigo – Abrigo Commercial Lending: Supports term loans, LOC, working capital, CRE, equipment financing, SBA loans, small business loans, and bridge loans. Targets community and regional banks. Streamlines origination with AI for decisioning; focuses on small business and compliance. Website: www.abrigo.com
• Abrigo (formerly Sageworks) – Sageworks Lending: Supports term loans, LOC, working capital, CRE, equipment financing, SBA loans, and business/personal commercial hybrids. Targets community and regional banks. Automates documentation and risk assessment for loan decisioning. Website: www.abrigo.com
• Fiserv – OriginateSM Loans: Supports term loans, LOC, working capital, CRE, equipment financing, syndicated loans (via integrations), and commercial hybrids with consumer. Targets regional and large banks. Comprehensive origination with automated decisioning; mobile-first for compliance and efficiency. Website: www.fiserv.com
• Temenos – Temenos Loan Origination: Supports term loans, LOC, working capital, CRE, equipment financing, SME loans, corporate loans, and syndicated loans. Targets community and regional banks. Features automation and data-driven decisions. Website: www.temenos.com
• Tata Consultancy Services (TCS) – TCS BaNCS Corporate Loan Origination: Supports term loans, LOC, working capital, CRE, syndicated loans, wholesale/commercial credit, and corporate loans. Targets large banks. Enterprise-level solution. Website: www.tcs.com
• Computer Services Inc. (CSI) – NuPoint Loan Origination (with Hawthorn River integration): Supports term loans, LOC, working capital, CRE, equipment financing, SBA loans, and commercial/consumer blends. Targets community banks. Streamlines processes for smaller institutions. Website: www.csiweb.com
• Biz2Credit – Biz2X: Supports term loans, LOC, working capital, SBA loans, and bridge loans. Targets community and regional banks. AI-driven for small business lending. Website: www.biz2credit.com
  
  

What to Look For in Commercial Loan Origination Platforms

• Loan Type Versatility: Support for a broad range of commercial loans, including term loans, LOC, working capital, CRE, equipment financing, ABL, SBA, syndicated, and bridge loans.
• Target Institution Fit: Scalability for community banks (<$10B assets), regional banks ($10B-$100B), or large banks (>$100B), with features tailored to local, broader, or global operations.
• AI and Automation: AI-driven underwriting, decisioning, and risk assessment for faster processing and reduced manual effort.
• Integration Capabilities: Seamless connectivity with core banking systems, third-party tools, and cloud environments for end-to-end workflows.
• Compliance and Risk Management: Built-in support for regulatory compliance (e.g., OCC, FDIC) and advanced analytics for portfolio monitoring and default management.
• Specialization vs. Versatility: Balance between dedicated commercial focus and hybrid consumer-commercial capabilities, depending on institutional needs.
  
  

For expert guidance on selecting and implementing these solutions, consider consulting with firms like CCG Catalyst, who specialize in navigating the financial services ecosystem to match your unique requirements.

CCG Catalyst’s Sector Spotlights highlight third-party solutions, products, and the companies that offer them. They provide a snapshot of the innovations, trends, and key players in the financial services ecosystem.