Trail AI vs Sherlok. Different ends of the broker workflow.
Sherlok is excellent at the front of the funnel: borrower-facing fact-find via InstantAPPLY, live bank-statement retrieval, Experian credit reports, and RateTraker for rate-vs-market alerts. Trail AI lives on the other side — ingesting aggregator trail statements to give brokers clawback prediction, missing-trail detection and refinance scoring on the book they already own.
| Feature | Trail AI | Sherlok |
|---|---|---|
| Primary focus | Back-book intelligence: trail income, clawback, refinance scoring on existing loans | Front-of-funnel: borrower fact-find, bank-statement pull, credit reports |
| Who does the data entry | Broker uploads aggregator/lender trail statements; Trail AI extracts and reconciles | Borrower logs into a branded portal and submits their own information |
| Refinance signal | AI score across rate gap, LVR movement, loan age, clawback risk and borrower history | RateTraker compares the client’s current rate to market rates |
| Trail commission reconciliation | Per-loan trail tracking with missed-trail detection and predictive clawback | Not a stated feature |
| Conversational AI assistant | Built-in chat over your own book — loans, lenders, opportunities | Not surfaced in product marketing |
| Onboarding | Self-serve sign-up with a 7-day free trial | Sales-led; contact hello@sherlok.com.au or 1300 343 238 |
| Pricing transparency | AUD inc-GST listed on every page; Stripe Customer Portal for self-service | Not publicly disclosed |
| AU data residency | Supabase Sydney; Vercel syd1 region | Australian-built; data residency not publicly documented |
Three reasons brokers add Trail AI alongside Sherlok.
Back book, not front funnel
Sherlok shines at getting a new client into application. Trail AI works the loans you already wrote — reconciling trail, catching missed payments and ranking refinance opportunities so the book keeps paying.
Reasoning, not just a rate gap
RateTraker is a rate-vs-market check. Trail AI blends rate gap with LVR movement, loan age, clawback risk and borrower history into a single AI score with a per-client one-paragraph explanation.
Self-serve and transparent
Sign up, upload a statement, see the insights. No sales call, no waitlist, AUD inc-GST pricing on every page.
See your back book the way Trail AI sees it.
Upload one aggregator statement. Get clawback risk, missing-trail flags and a ranked refinance shortlist in minutes. Keep Sherlok for new applications — let Trail AI work the loans you already wrote.
Sources
- https://www.sherlok.com.au/
- https://www.sherlok.com.au/ratetraker
- https://www.sherlok.com.au/instantapply
- https://www.sherlok.com.au/get-started
Comparison reflects publicly available information from Sherlok's website as of May 2026. Sherlok and RateTraker are trademarks of their respective owners.