Nivo has today launched Lender Collect, an AI assistant that coordinates a lending case from the first broker email through evidence gathering, underwriting preparation and the conditions that follow the lender's decision.
Lender Collect is available now to UK intermediated lenders, including bridging, specialist property, commercial and asset finance lenders. It extends the market-proven technology behind Nivo Collect, now live with over 15 brokers, to lenders, where more than 400 UK specialist and alternative lenders compete for brokers' business.
For intermediated lenders, the speed and ease of case handling help determine how much broker business they win. Yet much of the work remains manual, from keying enquiries into pricing spreadsheets and chasing statements and signatures to assembling the facts for an underwriting decision.
Getting started takes three steps: lenders provide their product guides, lending criteria, procedures, application forms and underwriter report template; Nivo configures the service around their case-handling requirements; then a case starts with a single email.
The AI reads the broker's instructions and attachments, identifies the parties, establishes amount, purpose, term, security and exit, and checks these against the lender's product criteria. It flags what fits, what needs clarifying and, where appropriate, an alternative product in the lender's range.
It requests evidence from the right people in the lender's preferred order, checks documents for completeness and consistency, populates forms, arranges signatures and sends consolidated reminders, escalating stalled cases. Company reports, identity checks and optional PEP, sanctions and adverse media screening are built in.
Before underwriting, it checks the evidence against the lender's rules and policies, raises further requests and drafts an editable report using the lender's template. This brings together the deal, criteria, evidence, calculations and discrepancies, with commentary and decision sections marked for the underwriter to confirm, amend or replace.
It then turns the underwriter's recorded conditions into document, form and signature tasks through to a signed loan agreement. Required evidence is tracked against the lender's instructions, with missing pages, conflicting details and unanswered conditions surfaced for review to reduce omissions.
Across lender contacts, brokers, applicants, guarantors, solicitors and valuers, Lender Collect tracks who owes what, completed tasks and how each connects to the next, a capability Nivo believes no other AI solution on the market offers today.
Exceptions, waivers, credit decisions and approvals stay with the lender's authorised team. Evidence gaps remain visible in the pack, including items waived or unobtainable.
Prompt, precise requests keep viable cases moving and reduce avoidable drop-off, supporting higher completion rates. Faster responses and easier case handling help lenders earn broker advocacy, repeat business and a greater share of brokers' business.
Cases progress 24/7, allowing brokers and customers to move them forward outside office hours, with a first response before a competitor has opened the email. Underwriters receive an organised pack and drafted commentary, giving the same team more capacity to focus on relationships, exceptions and lending.
Michael Common, CEO at Nivo, said:
"Every intermediated lender runs the same process: a query comes in, evidence is gathered, an underwriter decides, and the conditions are worked through to completion. The lenders that win are the ones that are fastest and easiest for brokers to deal with. Lender Collect answers in minutes rather than days, at any hour, using the lender's own criteria and documents. That is a conversion play as much as an efficiency play.
Nivo Collect showed brokers what an AI assistant can do with the gather, check and chase. Lender Collect brings that to the other side of the deal. Underwriters open a draft report built from checked evidence, with the decision firmly theirs. Nothing is approved, waived or decided by the AI."
Nivo's published security and compliance credentials include ISO 27001, ISO 9001 and ISO/IEC 42001 certification, Cyber Essentials Plus, DIATF certification as an identity orchestrator and FSQS registration. Lender Collect includes encrypted data handling, a full audit trail and controls preventing client data being used to train underlying AI models.
Lender Collect also connects to existing origination and CRM systems via API and webhooks where required.
Lenders can request a walkthrough by visiting: https://meetings.hubspot.com/bruce-glover1/lender
