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Smart Data Capture
Guided prompts ensure full residential, employment, and spouse history is collected. Real-time validation of addresses and emails.
Instant Privacy & Credit Consent
Automatic consent, credit guide, and credit quote issued upfront. Credit file only retrieved after approval.
First Traffic Light Assessment
Credit report instantly scored (Green/Amber/Red) to show risk profile before progressing.
Integrated Data Sources
Seamless feeds from Equifax, Illion, PPSR, Glass’s Guide, and property records — all stored securely with audit access.
Early Affordability Check
Surplus income benchmarked against Ausloans’ standards. Hard stop if < $200/month..
Secure Document Collection
Clients upload payslips, ID, bank statements via secure links. OCR verification (coming 2025).
Second Traffic Light Assessment
Expanded “Five Cs of Credit” checks: character, capacity, collateral, creditworthiness, conditions. Red = stop, Amber = warnings + notes.
Deep Verification
Housing, income, expenses, and liabilities validated through multiple sources. CCR reconciliation (roadmap
Automatic Preliminary Assessments
Generated at key stages to maintain a documented trail of suitability.
AI Lender Matching
RAM & BA decision engines rank lenders by likelihood of approval. Compare up to 20 lenders.
Final Suitability Hard Stop
Must show at least $1 surplus post-repayment before submission. Includes optional insurance/warranty.
Flexible Submission Pathways
API first (preferred for integrity), with email/portal supported under compliance guardrails
Real-Time Broker Updates
Keep diary notes, lender feedback, and client comms all in one record.
Settlement Made Simple
Digital signing with DocuSign. Option for broker or head office to complete settlement.
Compliance Review (Fail/Pass)
Every settled file audited. Fail = corrections required. Pass = archive.
End-to-End Guardrails
Hard stops, amber warnings, and audits ensure consistency across every broker and every dea
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Zink CRM and Workbasket
Our proprietary AI loan decisioning and assessment engine that powers faster approvals through automating credit assessments, direct-to-lender APIs, and compliance workflows
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Zink loan assessment platform
Our proprietary AI loan decisioning and assessment engine that powers faster approvals through automating credit assessments, direct-to-lender APIs, and compliance workflows
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Live lead marketplace
Exclusive access to a steady flow of sales qualified leads and live lead transfers — from pre-screened consumer enquiries and pre-assessed clients to real-time connections direct from Ausloans’ Australian call centre.
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Personally branded broker microsite
Personally branded consumer facing broker microsite to capture leads and enhance your personal brand
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White-label finance referral tools
Branded white label website widgets and referral pages that help you scale your partner network and generate inbound finance leads 24/7.
