Nivo
Nivo Solutions Limited builds AI agents that automate UK financial services lending workflows—collecting borrower documents, verifying case completeness, and chasing missing items via email 24/7. Trusted by 100+ banks, lenders, and brokers.
- Company typePrivate
- Founded2017
- HeadquartersManchester, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Nivo does
Nivo Solutions Limited is a UK-based AI agent platform purpose-built for the financial services lending sector. Founded in 2017 and headquartered in Manchester, the company develops autonomous AI agents that operate 24/7 over email to manage the complete lending workflow on behalf of banks, lenders, and brokers. Its core product, Nivo AI, is organised around three integrated workflow stages—Gather (collecting borrower documents and information), Check (verifying completeness and accuracy), and Chase (automatically following up on missing or incomplete items)—and is positioned as an operations teammate rather than conventional software. Underlying capabilities include natural language processing for email-based borrower communication and multi-step autonomous task execution, with a compliance stack comprising ISO 27001, ISO 42001, ISO 9001, UK DIATF, and FSQS certifications.
Nivo serves more than 100 UK financial services firms, with named customers spanning enterprise and mid-market segments including Co-operative Bank, United Trust, Together, Ocean, Evolution Money, C&CB, Afin, Shire Leasing, TCBS, and Aro. The platform also offers Branded Apps as a customisable add-on module and a Discovery tool that helps prospects build an AI business case. Co-founder and CEO Michael Common leads the company, supported by CFO and Head of Operations Rebecca Birt and CTO Symeon Breen.
The commercial model is a SaaS subscription delivered through two structured onboarding tiers—Supported Launch (a comprehensive, higher-touch deployment for ambitious teams wanting to shape the workflow and prove value quickly) and Fast Start (a lighter-touch entry point for focused initial deployment around a defined workflow). Go-to-market is sales-led with direct enterprise engagement targeting UK banks and larger lenders alongside a parallel mid-market motion. Total disclosed funding to date is approximately $4.3 million across rounds in 2017, 2019, 2020, and 2022, with no disclosed revenue or ARR figures.
Nivo firmographics
Firmographics- Name
- Nivo
- Legal name
- Nivo Solutions Limited
- Website
- https://nivohub.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Nivo Solutions Limited builds AI agents that automate UK financial services lending workflows—collecting borrower documents, verifying case completeness, and chasing missing items via email 24/7. Trusted by 100+ banks, lenders, and brokers.
- Ownership category
- akta.pro rank
Nivo industry classification
Industry- Product category
- Lending Workflow Automation
- NAICS
- Software Publishers (5132)
- akta.pro primary industry
- Agents & Autonomous Workflows (Tool Use, Planning, Multi-Agent) (HDAAACAF)
- akta.pro secondary industry
- AI Application Enablement Platforms (Copilot/Agent Frameworks, SDKs) (HDAEANAJ)
Keywords
Where Nivo is headquartered
LocationHeadquarters
- HQ city
- Manchester
- HQ country
- United Kingdom
- HQ region
- Europe
Markets served
Nivo business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- AI Agent Platform Subscription: SaaS subscription model for AI agents that manage lending workflows. Offered through Supported Launch (comprehensive onboarding and support) and Fast Start (lighter-touch, focused scope) programs for UK financial services firms.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Supported Launch - Comprehensive onboarding and rollout support |
| Subscription | Monthly | Fast Start - Quicker, lighter-touch entry point |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Nivo product offering
Product offeringCore offering
Nivo sells AI agents that manage complete lending workflows for UK financial services firms (banks, lenders, and brokers). The agents operate 24/7 over email and handle three integrated stages — gathering borrower documents and information, verifying completeness and accuracy of every case, and automatically chasing missing or incomplete items — enabling lending teams to move more cases forward without adding headcount.
Product overview
Nivo offers a single unified AI-powered platform for financial services lending workflows. The core product, Nivo AI, provides autonomous AI agents that work 24/7 managing the complete lending process through three integrated workflow stages: Gather (collecting borrower documents and information), Check (verifying completeness and accuracy), and Chase (automatically following up on missing items). The platform is accessed through different onboarding paths: Supported Launch (for comprehensive rollout) and Fast Start (for focused initial deployment). Additional offerings include Branded Apps (custom branded modules), Market Insights (industry research), and Discovery (AI business case assessment tool). The system is positioned as an operations teammate rather than traditional software, specifically built for the UK financial services sector.
Differentiator
Problem solved
Functional benefit
Products and services
- Nivo AI Autonomous AI agent platform that manages complete lending workflows for UK financial services firms, handling document gathering, completeness verification, and automated follow-ups on missing information via email communication. Designed for banks, lenders, and brokers.
- Branded Apps Custom branded application modules offered within the Nivo platform for financial services firms, enabling lender- or broker-branded experiences on top of the core Nivo AI workflow.
Quantifiable outcome
- 36% improvement in right first time information and documents
Companies that use Nivo
Customer profileNamed customers10 records
Segments1 record
Ideal customer profiles2 records
Nivo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature3 records
Nivo partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Base (Coinbase Layer 2)coreNivo was selected as one of 12 carefully chosen ecosystem projects from Base's official accelerator program, chosen from 1,175 applications. Base is positioning itself as a key battleground for on-chain ecosystem innovation, prioritizing ecosystem development. Nivo was selected alongside projects covering DeFi, prediction markets, AI agents, and payments sectors.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
Nivo competitors and assessment
Company assessmentDirect peers
- Capacity: AI-powered support automation platform with deep financial services penetration, including credit unions and lenders. Directly comparable to Nivo as a vertical AI agent platform that automates customer and operational workflows in lending and banking.
- Cognigy: Enterprise conversational and agentic AI platform used by banks, insurers, and other regulated firms to automate service and operations. Comparable to Nivo on agent-based workflow automation in financial services.
- Yellow.ai: Enterprise-grade AI agent platform with banking and financial services deployments across customer engagement and operations. Comparable to Nivo as a multi-agent platform automating end-to-end workflows rather than single tasks.
- Kore.ai: Enterprise conversational AI and agent platform with strong banking and financial services references, enabling autonomous agents across customer service and operations. Comparable to Nivo on agent architecture and enterprise FS GTM.
- Posh AI: Conversational AI platform purpose-built for banks and credit unions, offering AI agents for member servicing and back-office workflows. Comparable to Nivo as a domain-specialized AI agent provider selling into regulated financial institutions.
- WorkFusion: AI-native process automation platform historically focused on financial services operations including AML, KYC, and lending ops. Comparable to Nivo on automating regulated, document-heavy back-office workflows with AI agents.
- Haptik: Conversational AI platform with strong financial services deployments, offering AI agents across customer support, collections, and operations. Comparable to Nivo on conversational AI agents operating in regulated banking workflows.
Broad incumbents
- Appian: Low-code process automation platform used widely across banking and lending for case management and workflow orchestration. Comparable to Nivo as a broader automation incumbent that lenders could substitute or extend to cover lending workflows.
- UiPath: Enterprise RPA and AI automation platform with deep financial services penetration, increasingly packaging agentic capabilities for back-office workflows. Comparable to Nivo as a horizontal automation competitor moving into autonomous agent territory.
- Encompass (Finastra): Digital KYC and corporate onboarding automation platform for banks, now part of Finastra, used across lending workflows. Comparable to Nivo on automating document-heavy, regulated workflows in financial services.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Nivo social profiles
Digital presenceNivo compliance and trust
Trust signalCompliance5 records
Nivo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nivo leadership team
Management profileNumber of profiles
Profiles3 records
Nivo funding detail
Funding detailFunding overview
Funding rounds4 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nivo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Nivo
What does Nivo do?
Nivo sells AI agents that manage complete lending workflows for UK financial services firms (banks, lenders, and brokers). The agents operate 24/7 over email and handle three integrated stages — gathering borrower documents and information, verifying completeness and accuracy of every case, and automatically chasing missing or incomplete items — enabling lending teams to move more cases forward without adding headcount.
Is Nivo a public or private company?
Nivo is a private company. It is classified as venture growth investor backed and is currently operating.
When was Nivo founded?
Nivo was founded in 2017. It employs 11 to 50 people.
Where is Nivo based?
Nivo is headquartered in Manchester, United Kingdom, in the Europe region.
How does Nivo make money?
One revenue line is on record: AI Agent Platform Subscription.
Who are Nivo's main competitors?
Direct peers on record are Capacity, Cognigy, Yellow.ai, Kore.ai, Posh AI, WorkFusion and Haptik. Broad incumbents are Appian, UiPath and Encompass (Finastra).
Does Nivo have an API?
Yes. Nivo provides API documentation for developers. The documentation is accessible at the provided URL for integration purposes. Developer documentation is at nivo-qa.nivohub.com/docs.
What industry is Nivo in?
Nivo's product category is Lending Workflow Automation. Its primary akta.pro industry code is HDAAACAF, Agents & Autonomous Workflows (Tool Use, Planning, Multi-Agent), with a secondary code of HDAEANAJ, AI Application Enablement Platforms (Copilot/Agent Frameworks, SDKs). Its NAICS code is 5132.