Narmi Lend is a next-generation lending solution explicitly built into the Narmi One platform, providing a modern, seamless experience for borrowers and staff. Traditional lending for financial institutions is often a reactive, fragmented process involving external links, third-party add-ons, and data re-entry. Narmi Lend addresses this by moving the lending process higher up the funnel, focusing on proactive demand generation and delivering a fully embedded borrower experience.
Key features and benefits of Narmi Lend include:
Proactive demand generation – Narmi Lend uses soft credit pulls and transaction data to surface personalized loan offers in real time, sparking borrower interest without extra marketing.
Seamless, embedded borrower experience – The entire journey, from viewing the offer to applying, happens within a website or Narmi Banking. This eliminates redirects, the need to re-enter data, and the frustration of dealing with disjointed systems.
Staff empowerment and efficiency – Lending officers benefit from Narmi Command, where they can manage pre-qualified leads from real users with real intent.
Complements existing Loan Origination Systems (LOS) – Narmi Lend is designed to complement, not replace, your existing LOS. It generates net-new demand higher up the funnel and then sends the qualified, high-intent borrowers directly into your existing LOS process. Narmi Lend integrates with Corelation Keystone and Symitar ELA for instant funding and decisioning.
To get started with Narmi Lend, please contact your Narmi Relationship Manager.
Accessing Narmi Lend
Users can access your institution’s loan offers in the following ways:
A website – When you set up Narmi Lend, you will receive a dedicated URL that you can add to your institution’s website.
Entry points in Narmi Banking – An entry point is a “digital doorway” within Narmi Banking that directs users to a specific action—in this case, exploring new offerings. When configured, users can access an Open an Account menu from two convenient locations in the web and mobile apps. See Entry Points in Narmi Banking for more information.
Lending promotions – With Promotions in Narmi Command, you can create a marketing promotion that appears as a card on the Narmi Banking dashboard, directing users to Narmi Lend. Go to Lending Promotions for information.
Cross-Sell loan offers – You can present personalized loan offers to users immediately after they open a new account. When cross-sell offers are enabled, the approval page of the Consumer Account Opening flow includes a “Recommended for you” section with customized offers, and loan forms will pre-populate the user’s information. Go to Cross-Sell Offers for more information.
To explore the lending user experience, go to Credit Card Loans or Personal Loans.
Your staff can manage loan applications in Narmi Command. For more information, go to Manage Loan Applications.
Permissions and Settings
To manage loans, your staff members must have the following permissions. To set permissions, from the Narmi Command sidebar, select Staff members > Roles.
Can view personal loan applications – To see the Personal tab in Narmi Command under Account opening > Applications > Loans.
Can view credit card applications – To see the Credit cards tab in Narmi Command under Account opening > Applications > Loans.
Lending Product Types
To enable credit card loans, personal loans, or both, go to Narmi Command under Institution settings > Lending Enabled Product Types and set each type to True.
Loan Offer Expiration
Your institution can define a grace period (in calendar days) for users who start the pre-qualification process but don't complete it immediately, ensuring that users don't accept offers based on outdated financial data. With this setting, instead of requiring a user to re-enter their information each time they return to the Narmi Lend flow, the system remembers their specific offer for a set period. Configure this via Narmi Command under Configurations > Institution settings > Lending Offers Expiration Days.
When a user returns to the Narmi Lend flow, the system checks the date their initial offer was generated against this setting:
Within the expiration period – If the user returns within "x" days, they skip the introductory steps and land directly on the loan offers page, picking up where they left off.
After the expiration period – If the user returns after "x" days, they restart the flow to requalify.
Minimum Applicant Age
You can set the minimum age for solo applicants and co-borrowers in Narmi Lend via Narmi Command under Configurations > Institution settings > Lending Minimum Applicant Age. If the applicant is ineligible, an error appears, and they cannot continue.
Required Membership Share
Credit unions may require applicants to open a membership share account before their credit card or personal loan applications can be finalized. The following settings apply to the required membership share functionality:
Lending Membership Share Product – The ID of the deposit product that applicants must open as a membership share account before their credit card or personal loan application can be finalized. When set, non-member applicants will be prompted to open this account. Leave this setting empty to disable the membership share requirement. The required membership share flow includes the following steps:
Applicants select Get started on the personal loan offer page or Accept offer on the credit card offer page.
The membership activation page appears for new users. Existing users will not see this page. Select Continue.
The next page includes disclosures. These are the same disclosures used for Consumer Account Opening. To edit the disclosures, go to Narmi Command under Configurations > Institution settings > Disclosures. If product-specific disclosures apply, those are also shown.
Check the boxes, and select Submit.
Similar to the Consumer Account Opening flow, identity decisioning takes place, and the account is opened on the core. Funding is skipped entirely. An email notification is sent to the primary and joint applicants when approved. The deposit account information shows in the application view in Narmi Command under the “Deposit application” section.
The confirmation page appears. Select View account details to view and copy the account number and routing number. Select Get started to enroll in online banking.
Lending Membership Require Joint Match – When enabled, the membership requirement check for lending applications verifies that the primary applicant shares a matching membership with any co-borrower on the application. When disabled, only the primary applicant's membership status is checked. This applies to credit card loans and personal loans, and is only relevant when the Lending Membership Share Product setting (mentioned above) is configured.
Other Customization
The following institution settings allow you to customize the Narmi Lend user experience:
Lending Welcome Screen Logo – Use this setting to customize the logo on the Narmi Lend welcome page. Please ensure the logo uploaded is completely white with a transparent background.
Lending Website Flow Logo Navigation URL – Use this setting to customize where the applicant is directed when they select the logo in the top-left corner of the lending flow.
Lending Co-Applicants Enabled Products – To enable the co-borrower flow, set this to
credit_cardsorpersonal_loans.Lending Disclosures – Use this setting to customize the disclosures on the last step of the lending flow. This setting applies to both credit card loans and personal loans.
Requested Amount Parameters – Use this setting to set the minimum and maximum amounts displayed on the requested loan amount slider for the personal loan flow. Enter the
MinimumandMaximumamount in cents.Lending Offer Info and Disclaimer URL – Use this setting for the Info & disclaimer link on the personal loan offer page.
Web Session Validity – Specify the length of time in seconds that a Narmi Lend session is valid.
End-User Communications
For information about the emails sent when a loan offer is accepted, see Narmi Lend Email Communications.