Black & White Bridging partners with Nivo

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Black & White Bridging has entered into a partnership with Nivo to drive digital transformation of its onboarding and application journey.


Black & White Bridging is a privately owned principal lender which, under the name Bath & West Finance, has been providing short-term, non-regulated lending solutions to property professionals in the South of England; it recently underwent a rebrand to reflect its push towards a more nationwide footprint.

The lender selected Nivo’s app to provide a quick, intuitive, and secure way of communicating with customers during a loan application.

The app aims to reduce Black & White’s use of email for communications and move instead to a mobile experience built on secure instant messaging, with higher levels of security and ease of use.

Black & White customers are also able to use the Nivo App to provide e-signatures, biometric ID verification and to share documents, such as bank statements and payslips, with the lender.

Damien Druce, commercial director at Black & White Bridging, said: “We decided to partner with Nivo as we wanted to overhaul and modernise our onboarding process for customers and replace a very manual process with app technology to improve customer experience.

“In addition, we wanted to be able to communicate more effectively with borrowers and have a channel that was different and more secure than email.

“Nivo has enabled us to do all of this and drastically reduce our onboarding timescales, all whilst giving the client a modern and simple experience which is expected in the market today.

“Clients have also opted to download Nivo post-completion as an easier way to sign and deliver contracts and other requests, reducing the turnaround times by days.”

Zach Thomas, account executive at Nivo, added: “We’re constantly exploring ways to help lenders, brokers and customers interact more smoothly to reduce application times and improve conversions.

“We can deliver the Nivo app within the day, providing a cost-effective solution and a secure and seamless mobile journey which the customers of switched on lenders are more frequently coming to expect.

“Bridging is a fast-moving market where speed of application and completion makes a tangible difference to success rates.

“I’m delighted that Black & White Bridging have chosen Nivo to help transform their business and we’re looking forward to seeing the positive impact on their bottom line and working together to integrate further digital process and service enhancements.”

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