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 like a “digital doorway” inside Narmi Banking that funnels users directly 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. Go to Entry Points in Narmi Banking for information.
Lending promotions – With Promotions in Narmi Command, you can create a marketing promotion that displays as a card on the Narmi Banking dashboard, directing the user 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 finish it immediately, ensuring that users aren't accepting 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 begin at the start of the flow to re-qualify.
End-User Communications
For information on the emails sent when a loan offer is accepted, go to Narmi Lend Email Communications.