Trail AI
Start free trial
Features

Built for the broker who reconciles trail every month.

Five core features. Every one of them is shipped — not on a roadmap. AI where it sharpens a real answer; deterministic logic everywhere else.

Start 30-day free trialDownload sample reportSee pricing
01 · AI extraction

Upload any aggregator file — we read it.

Drop your monthly trail file from AFG, LMG, Connective, Finsure, Choice, Vow, FAST, Outsource, Astute, or Purple Circle. Deterministic-first parsing with AI fallback for new or unseen formats.

See aggregator support →
  • Supports all ten major AU aggregators out of the box
  • AI fallback handles bespoke or unmapped formats automatically
  • Loans and commission history populate the dashboard in minutes
  • Quality score logged with every import for transparency
Latest import — May 2026Representative data
Rows read
348
Loans matched
346
Quality score
99%
  • Auto-mapped
    341 rows98%
  • AI fallback
    5 rows1.4%
  • Flagged
    2 rows0.6%
02 · Missing trail

Catch silently dropped commissions every month.

Most brokers lose 1–3 trail payments a month to lender pay-run errors, account-number changes, or aggregator misclassification. Trail AI surfaces every dropped trail at the named-client level, the day your statement lands.

How missing-trail detection works →
  • Loan-level diff against the prior month — not just totals
  • Excludes legitimately nilled trail (fixed-rate, arrears) so the list is signal, not noise
  • Each row shows the named client and the reason it appears
  • Resolution history kept so you can spot chronic offenders
Flagged this month — 4 droppedRepresentative data
ClientPrior trailStatus
Harrington, J & MCBA$312/moTrail dropped to zero (no reason)
Castellano Family TrustMacquarie$268/moAccount number changed
Devi, AANZ$204/moTrail dropped to zero (no reason)
Okonkwo HoldingsING$189/moReclassified by aggregator
03 · Refinance scoring

AI-ranked refinance candidates with per-client reasoning.

Every active loan gets a 0–100 refinance score combining loan age, repayment trend, LVR, and lender stickiness. The top 25 get a one-paragraph AI reasoning so you know why before you call.

The scoring model →
  • Refreshes nightly via cron, plus on-demand from the dashboard
  • Per-client reasoning explains the score in plain English
  • Dismiss what you have already handled; it stays dismissed
  • Big-4 stickiness adjustments built in (CBA, ANZ, NAB, Westpac)
Refinance candidates by score bandRepresentative data
  • Hot 90–100
    6 loans$14,200/yr
  • Strong 70–89
    11 loans$9,180/yr
  • Watch 50–69
    18 loans$4,159/yr

35 active candidates · $27,539/yr of trail at stake across the book.

04 · Book valuation

Sale-ready PDF valuation in one click.

Run-off rate, lender concentration, arrears, clawback exposure, and A–E loan grading all roll into a single PDF you can hand to a buyer, an aggregator, or your accountant the same day.

Try the free valuation calculator →
  • A–E grading per loan with the diversification + age rules buyers actually use
  • Effective multiple calculated against current AU market norms
  • Sale value range with the standard ±15% negotiating spread
  • PDF stored privately in your team workspace; downloads use 60-second signed URLs
A–E grade distributionRepresentative data
114loans
  • A — prime2925%
  • B — strong3127%
  • C — standard2825%
  • D — watch1211%
  • E — at risk1412%
Estimated book value
$184,841 – $250,079
Effective multiple
2.0×
05 · Book insights

Lender concentration, run-off, and trends — without the spreadsheet.

A working broker dashboard built on the same trail data your aggregator already sends. Period-over-period deltas, lender mix, top clients, and arrears — surfaced as numbers you can act on.

Trail commission calculator →
  • Lender concentration with canonical-name dedup (CBA = CommBank = Commonwealth Bank)
  • Top clients and top lenders by trail income
  • Gained and lost clients month-over-month
  • Trail income trend over the last 24 months
LVR distribution — 114 active loansRepresentative data
  • < 60%
    38 loans33%
  • 60–70%
    31 loans27%
  • 70–80%
    29 loans25%
  • 80–90%
    12 loans11%
  • > 90%
    4 loans4%
Lender coverage

42+ Australian lenders, recognised out of the box.

Every loan inside your aggregator file is matched to a canonical lender — Big-4, regionals, non-banks, and specialists. Statements that introduce a brand-new lender get scored by AI and added automatically.

CBA
ANZ
NAB
Westpac
Macquarie
ING
Bankwest
Suncorp
Bank of Queensland
St.George
BankSA
ME Bank
Adelaide Bank
Bendigo Bank
Heritage Bank
Newcastle Permanent
P&N Bank
Beyond Bank
Greater Bank
Teachers Mutual
IMB Bank
Auswide Bank
Pepper Money
Liberty Financial
La Trobe Financial
Resimac
Firstmac
Bluestone
Brighten
MA Money
Plenti
Better Mortgage Management
Shift
Judo Bank
Heartland
RedZed
Allstate
Arthur Mac
Scottish Pacific
Granite Home Loans
WLTH
WDF
Under the hood

AU data, AU hosting, AU defaults.

Designed for Australian brokers, not US-defaulted SaaS retrofitted with a flag.

Region
SydneyAustralian east-coast hosting
Data residency
Stored in AustraliaNo customer data held offshore
AI
Multi-providerLeading models, automatic fallback
Currency
AUD
Try it on your own book

Upload one statement. See every feature populated in 5 minutes.

30-day free trial. No credit card. Cancel any time.

Start free trial →Download sample report