# nCino vs Finastra Lending (formerly Fusion Lending Suite): Side-by-Side Comparison

> nCino vs Finastra Lending (formerly Fusion Lending Suite) comparison for 2026. Features, pricing, deployment, and which platform fits your institution best.

Source: https://thelosdirectory.com/compare/auto/ncino-vs-finastra-fusion

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Commercial Lending Comparison

Two commercial lending platforms compared on features, pricing, risk tools, and fit for community banks and commercial lenders.

## Our Analysis

Regional banks with international operations or multi-currency portfolios should lean toward Finastra Fusion Lending Suite, which handles cross-border transactions and equipment finance. nCino better serves domestic community and regional banks wanting Salesforce-powered unified lending across commercial, consumer, and mortgage products. Finastra targets banks above $5B with enterprise pricing; nCino starts at $500M community banks. For purely domestic U.S. commercial lending, nCino's proven 54% cycle-time reduction and CRM integration typically win over Finastra's broader but less CRM-integrated approach.

## At a Glance

### nCino

nCino, Inc.

Core-plus-LOS Suite CommercialConsumerMortgageSBASmall BusinessCRE

- **HQ**: Wilmington, NC
- **Founded**: 2011
- **Deployment**: cloud
- **Size Fit**: Midsize ($1B-$10B assets), Enterprise ($10B+ assets)
- **Pricing**: Typically $150–$400/user/month per module; total annual spend for a community bank ranges from $100K–$500K+
- **Users**: 2,700+ customers, about 1,500 of them depository institutions (nCino FY2026 10-K)
- **Market Share**: Used by 2,700+ customers, about 1,500 of them depository institutions, globally; strong penetration in U.S. community banking
- **G2 Rating**: 4.2/5 (14 reviews)

[Full nCino review](https://thelosdirectory.com/platforms/ncino)

### Finastra Lending (formerly Fusion Lending Suite)

Finastra

Full LOS CommercialSBAEquipmentCRE

- **HQ**: London, England
- **Founded**: 2017
- **Deployment**: cloud
- **Size Fit**: Midsize ($1B-$10B assets), Enterprise ($10B+ assets)
- **Pricing**: Enterprise pricing; estimated $100K–$500K+/year depending on modules and institution size
- **Users**: Not publicly disclosed; Finastra says it has 7,000+ customers (March 2026)
- **Market Share**: Finastra says 70% of the world's syndicated loans are serviced on Loan IQ. It publishes no customer count for its lending products as a group.

[Full Finastra Lending (formerly Fusion Lending Suite) review](https://thelosdirectory.com/platforms/finastra-fusion)

## Feature-by-Feature Comparison

| Feature | nCino | Finastra Lending (formerly Fusion Lending Suite) | Edge |
| --- | --- | --- | --- |
| Loan Types | Commercial, Consumer, Mortgage, SBA, Small Business, CRE | Commercial, SBA, Equipment, CRE | nCino |
| Deployment | cloud | cloud | Tie |
| Pricing Model | Subscription (per-user, tiered by modules) | Enterprise licensing; Finastra does not publish pricing for its lending products | Tie |
| Pricing Range | Typically $150–$400/user/month per module; total annual spend for a community bank ranges from $100K–$500K+ | Enterprise pricing; estimated $100K–$500K+/year depending on modules and institution size | Tie |
| Product Category | Core-plus-LOS Suite | Full LOS | Tie |
| Core Integrations | Fiserv, Jack Henry, FIS, Temenos, Finastra | Phoenix core (sold to CORA Group, June 2026), Essence core (sale to Pollen Street Capital announced June 2026), Fusion Risk (part of Teciem since February 2026) | nCino |
| Best For | Community and regional banks that want a single platform for commercial, consumer, and mortgage lending with strong CRM integration | Regional-to-large banks ($5B+) that need a broad commercial credit platform supporting term loans, SBA, equipment finance, CRE, and multi-currency transactions | Tie |
| Lender Segments | Banks, Credit Unions | Banks | nCino |
| Size Fit | Midsize ($1B-$10B assets), Enterprise ($10B+ assets) | Midsize ($1B-$10B assets), Enterprise ($10B+ assets) | Tie |

## Key Differences

- nCino covers Consumer, Mortgage, Small Business lending while Finastra Lending (formerly Fusion Lending Suite) covers Equipment lending.
- nCino targets Banks, Credit Unions, whereas Finastra Lending (formerly Fusion Lending Suite) focuses on Banks.
- nCino (founded 2011) has a longer track record, while Finastra Lending (formerly Fusion Lending Suite) (founded 2017) brings a more modern architecture.

### Choose nCino if...

- True multi-product platform, one system for all loan types
- Salesforce ecosystem benefits (AppExchange, reporting, AI)
- Strong commercial lending workflows with automated spreading
- Proven 54% reduction in commercial loan cycle times

### Choose Finastra Lending (formerly Fusion Lending Suite) if...

- Broad commercial product coverage in a single suite
- Multi-currency and multi-jurisdiction capabilities for global banks
- Finastra says 21 of the top 25 syndicated lenders are Loan IQ clients
- SBA lending support with automated form generation

## Deep Dive

[nCino Full Profile](https://thelosdirectory.com/platforms/ncino) [Finastra Lending (formerly Fusion Lending Suite) Full Profile](https://thelosdirectory.com/platforms/finastra-fusion)

## Frequently Asked Questions

Which handles multi-currency commercial lending?

Finastra Fusion offers native multi-currency and multi-jurisdiction support designed for banks with international commercial operations. nCino is primarily built for U.S. domestic lending workflows and lacks equivalent international transaction capabilities.

Can nCino replace Finastra for SBA lending?

Both support SBA with automated form generation. nCino handles SBA within its multi-product platform; Finastra includes SBA as part of a dedicated commercial suite alongside equipment finance and CRE.

How do implementation timelines compare?

Both typically require 6-12+ months for full deployment. nCino's Salesforce foundation adds learning curve complexity for staff unfamiliar with Salesforce; Finastra's enterprise configuration for complex commercial portfolios extends implementation similarly.

### Not sure which platform is right?

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[Try the LOS Finder](https://thelosdirectory.com/tools/los-finder)

### Related

[nCino Full Review](https://thelosdirectory.com/platforms/ncino) [Finastra Lending (formerly Fusion Lending Suite) Full Review](https://thelosdirectory.com/platforms/finastra-fusion) [nCino Alternatives](https://thelosdirectory.com/alternatives/ncino) [Finastra Lending (formerly Fusion Lending Suite) Alternatives](https://thelosdirectory.com/alternatives/finastra-fusion) [All Comparisons](https://thelosdirectory.com/compare) [How to Choose an LOS](https://thelosdirectory.com/guides/how-to-choose)

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