Parlay, the AI-native Loan Intelligence System (LIS), and nCino (NASDAQ: NCNO), the platform for agentic AI banking, have announced a partnership to streamline loan intake for the country's 1,400 Small Business Administration (SBA) lenders. Under the integration, Parlay connects directly into nCino's Commercial and Small Business Solutions, replacing the manual paperwork that has slowed SBA lending for decades and giving America's 1,400 SBA lenders a single path from inquiry to originated loan.

The integration is already live. According to the companies, it has processed more than $500 million in SBA loan inquiries in 2026 for customers including First Internet Bank (NASDAQ:INBK), a nationwide SBA lender known for helping entrepreneurs access the capital they need to grow their businesses.

Parlay's agentic technology — AI software built to execute multi-step loan workflows rather than simply surface data — connects to nCino through a one-click handoff that handles intake, eligibility, and deal structuring before a banker ever opens the file. The intake stage carries particular weight in SBA lending, where each guaranteed loan brings program-specific documentation and eligibility requirements on top of a lender's own underwriting. Lenders using Parlay can screen deals faster and close loans in less time, and existing customers report that the manual work required to reach a credit-ready file has dropped by up to 80%.

With the partnership, nCino and Parlay are working to close a long-standing capital access gap for lenders on Main Streets across the United States. Small businesses generate 43% of U.S. GDP, yet too many still do not fit a bank's standard credit box. SBA loans, which are partially guaranteed by the federal Small Business Administration, serve as a key financing channel for such businesses. Community banks and credit unions can now launch and scale SBA programs without building a back office first, while high-volume SBA lenders can free up specialist hours for credit judgment instead of paperwork — putting capital in the hands of businesses that earn it but do not fit the traditional mold.

“Hundreds of financial institutions nationwide have told us they want to scale their SBA lending programs. Partnering with nCino enables Parlay to provide a powerful, complementary, and integrated offering: no rip and replace required, so more small businesses across the country gain faster access to capital.” — Alex McLeod, Parlay Co-Founder and CEO
“Lenders already trust nCino's intelligent experience to run SBA lending with confidence. Now, paired with Parlay, they get even more: agentic capabilities that help them move eligible borrowers to approval faster and fund more small businesses.” — Chris Gufford, nCino Chief Product Officer

Under the terms of the agreement, nCino will resell and support Parlay's LIS as an offering for customers that prioritize SBA lending, while Parlay will continue to serve the broader SBA lending market directly. nCino is offering the integration, along with in-branch SBA lending capabilities, to its new and existing customer base. The arrangement lets lenders that prioritize SBA lending adopt Parlay's intake technology without replacing their existing nCino systems. For lenders evaluating the offering, the figures cited in the announcement — more than $500 million in 2026 inquiries and up to 80% less manual work to reach a credit-ready file — are the baseline metrics on record so far.