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Baker Hill UN/FY (formerly NextGen)

Full LOS

Baker Hill NextGen is a cloud-native multi-product lending platform from Baker Hill, founded in 1984, offering unified commercial, consumer, and SBA origination with built-in analytics for community banks and credit unions without requiring Salesforce.

Community banks and credit unions ($500M–$10B) that want a single SaaS platform spanning commercial, consumer, and SBA lending with built-in analytics

BanksCredit Unions
Commercial Consumer SBA Small Business Cloud

Quick Facts

Company
Baker Hill
Ownership
Owned by Flexpoint Ford since 2023
Founded
1984
HQ
Carmel, IN
Best Fit
Small to Midsize
Pricing
SaaS subscription based on asset size and module selection
Market
Established presence in community banking; precise numbers not publicly disclosed
Visit Baker Hill →

Overview

Baker Hill has been in the lending technology business since 1984, and its NextGen platform represents the company's modern, cloud-native rewrite of their legacy systems. In November 2025 Baker Hill launched UN/FY, which it describes as built on NextGen, and said it would retire the NextGen name in 2026 and bring the LOS suite under the UN/FY brand. Flexpoint Ford acquired Baker Hill in 2023. The platform integrates commercial, small business, consumer, and SBA loan origination into a single SaaS environment with built-in risk management and portfolio analytics. Baker Hill's particular strength is the breadth of its origination coverage, it's one of the few platforms that handles commercial, consumer, and SBA workflows in a single system without the Salesforce dependency that nCino carries. For community banks that want a unified lending platform but aren't committed to the Salesforce ecosystem, Baker Hill NextGen is often the first name in the conversation.

Key Features

  • ▸ Unified origination for commercial, consumer, and SBA lending
  • ▸ Built-in credit analysis and risk scoring
  • ▸ Automated workflow routing and approval chains
  • ▸ Portfolio analytics and concentration monitoring
  • ▸ SBA form automation (7(a) and 504)
  • ▸ Borrower portal with secure document upload
  • ▸ Integrated loan pricing
  • ▸ Pipeline management and reporting dashboards
  • ▸ Covenant tracking and portfolio monitoring
  • ▸ Configurable credit memo templates

Pricing

What we know about Baker Hill UN/FY (formerly NextGen) pricing:

Custom pricing; typical community bank implementations run $75K–$300K/year

Like most enterprise LOS vendors, Baker Hill doesn't publish standard pricing. Quotes are customized based on institution size, loan volume, and module selection. We recommend requesting all-in three-year TCO quotes that include implementation, training, and ongoing fees.

Key Integrations

Publicly documented integrations or connectivity options for Baker Hill UN/FY (formerly NextGen) include the following:

FiservJack HenryFIS

Ideal Customer Profile

Asset Size
$500M–$10B
Loan Volume
Mixed commercial and consumer portfolio
Staff Size
10–75 lending staff
Best When
You want a nCino-like unified lending platform without the Salesforce tax, and SBA lending is a meaningful part of your business

Pros & Cons

Strengths

  • ✓ True multi-product platform without Salesforce dependency
  • ✓ Baker Hill says more than 20,000 bankers use its loan origination products (as of September 2026)
  • ✓ Baker Hill says UN/FY can reduce origination costs by up to 60 percent
  • ✓ Decades of community banking domain expertise
  • ✓ SBA lending workflows are particularly well-developed

Limitations

  • ✗ No mortgage origination, need a separate system for mortgage
  • ✗ Smaller vendor, less name recognition than nCino or Encompass
  • ✗ Implementation timeline can extend to 6-9 months for full deployment
  • ✗ API ecosystem not as mature as Salesforce-based alternatives
  • ✗ Limited publicly available user reviews make due diligence harder

User Reviews & Reputation

4.0/5

software Advice

4.0/5

capterra

4.0/5

getapp

Review scores from third-party sources. Ratings reflect aggregate user reviews and may change over time.

Frequently Asked Questions

How much does Baker Hill NextGen cost?
Baker Hill NextGen uses custom SaaS pricing based on institution asset size and module selection, with typical community bank implementations running $75K–$300K per year. Pricing is negotiated individually, so institutions should request a tailored quote based on their specific lending product mix and user count.
Does Baker Hill NextGen integrate with Fiserv and Jack Henry?
Yes. Baker Hill NextGen integrates with the three major core banking platforms: Fiserv, Jack Henry, and FIS. These integrations support shared customer data and automated loan boarding, though the API ecosystem is not as mature as Salesforce-based alternatives like nCino.
Is Baker Hill NextGen good for community banks?
Yes, Baker Hill NextGen is specifically designed for community banks and credit unions in the $500M–$10B asset range. It is one of the few platforms that unifies commercial, consumer, and SBA lending in a single system without requiring Salesforce.
Does Baker Hill NextGen require Salesforce?
No. Unlike nCino, Baker Hill NextGen operates independently without any Salesforce dependency. This makes it an attractive alternative for community banks that want multi-product unified lending capabilities but do not want the added cost and complexity of maintaining Salesforce licenses.

Sources for this Baker Hill UN/FY (formerly NextGen) profile

Last updated: September 30, 2026

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