Wings Financial Modernizes Loan Sales with Seamless nCino + Participate API Integration
Wings Financial Credit Union, a $9 billion institution headquartered in Minnesota, has officially launched a powerful integration between the nCino platform and the Participate API—bringing full automation to the loan sale lifecycle. This strategic advancement reinforces Wings’ commitment to innovation, efficiency, and community impact.
A One-Click Future for Loan Trading
With a single click—“Send to Participate”—inside the nCino platform, Wings can now initiate a loan sale draft in Participate instantly via API. Within moments, eligible buyers are alerted and granted access to review the opportunity through Participate’s automated network, streamlining what has traditionally been a fragmented, manual process.
“This is about keeping money moving,” said Matt Johnner, President and Co-Founder of Participate. “We’re enabling institutions to lend more effectively, deepen community support, and grow profitably. The automation from origination to servicing allows for a substantial increase in loan sale volume.”
From Origination to Core—Automation at Every Step
Participate remains the only platform that automates both loan sales and post-sale servicing. Once a loan is sold, servicing continues with shared balances, transaction detail, P&I disbursements, interest rate updates, funding requests, and real-time notifications—all fully digitized. Integration with core systems ensures continuous accuracy and operational efficiency.
Strategic Benefits for Financial Institutions
By leveraging this integrated ecosystem, Wings and similar institutions can:
- Increase Loan Volume: Sell and manage more loans without additional loan operations staff.
- Reduce Concentration Risk: Diversify portfolios across borrower type, geography, term, and more.
- Boost Non-Interest Income: Generate recurring servicing fees on sold portions of loans.
This go-live is a clear signal of what’s possible when core banking systems, origination platforms, and loan sales tools are unified through automation.
About Participate
Participate, a fintech innovation by BankLabs, offers the first patented platform to automate both the sale and servicing of participated and syndicated loans. Trusted by hundreds of financial institutions across the U.S., Participate helps lenders optimize liquidity, manage risk, and scale loan operations with minimal friction. Learn more