nCino powers Baghdadi Capital’s international expansion into Spain

By Vriti Gothi

nCino, Inc. has partnered with Baghdadi Capital Group to standardise and automate its global operations, streamline client onboarding, and support its international expansion across key markets for its non-bank financial services entities: Trade & Working Capital (TWC), Higher Bridge Capital (HBC), and Tamwuil.

Founded by Baihas Baghdadi in 2019, Baghdadi Capital is an independent global family office specialising in working capital, factoring, and selective strategic investments. The firm complements traditional banking by offering innovative working capital solutions to SMEs, having financed over $2.8 billion to date.

As Baghdadi Capital continues to scale internationally, the organisation requires a unified platform capable of optimising operations across multiple geographies, integrating diverse business models, and ensuring robust governance and compliance, all while maintaining the agility and speed that set it apart from traditional banks.

By adopting the nCino Platform, Baghdadi Capital will standardise and automate onboarding and origination across its factoring, reverse factoring, and trade finance operations. Leveraging a single, integrated solution allows the firm to accelerate implementation timelines, seamlessly integrate its companies, and concentrate resources on delivering superior customer service and entering new markets.

“We’re building the leading independent working capital finance servicer worldwide, and nCino will enable us to move quickly toward this goal,” said Carlos Torrens, Chief Technology Officer of Baghdadi Capital. “The platform allows us to standardise operations as we expand into new geographies. With nCino, we can scale efficiently across global markets while maintaining the operational consistency that’s critical to our success.”

“Entering the Spanish market with a customer like Baghdadi Capital a leader in working capital finance with a clear international growth trajectory, is tremendously exciting for nCino,” said Joaquin de Valenzuela, Managing Director of EMEA at nCino. “Speciality finance providers like Baghdadi Capital are playing an increasingly vital role in supporting SME growth across Europe, and they need the same enterprise-grade technology that powers the world’s largest banks. We’re proud to be the platform of choice for so many of the institutions driving the industry today.”