Lendbase replaces broker email chains, vendor portal logins, and manual credit paper drafting with an integrated origination platform — so your analysts spend their time on credit judgement, not document chasing.
The best credit analyst in the country
still spends most of their day on data entry.
Reformatting broker submissions. Logging into Equifax, Illion, ATO, ABN Lookup. Copying numbers between spreadsheets. The credit judgement is the smallest part of the job.
A senior credit analyst on $200k+ joins to make credit decisions, build client relationships, and grow a portfolio. Instead they spend most of their week chasing brokers for missing documents, re-keying data into vendor portals, and formatting credit memos in Word.
Half the broker submissions arrive incomplete. Your analyst emails for the missing payslip. The broker forwards it three days later — to the wrong analyst. The deal sits dead in someone's inbox while the borrower talks to your competitor.
3-day email cyclesEvery assessment requires logging into Equifax, Illion, ATO, ABN Lookup, CoreLogic — one at a time, copying outputs into a spreadsheet, then into the credit paper. The same data, re-typed, every single deal.
10+ manual lookupsEvery credit paper starts as a blank document. Your analyst rewrites the same policy sections, reformats the same financial summaries, and rebuilds the same risk narrative — for every single deal, even when 80% of the structure is identical.
Written from scratch every timeWhen a deal is approved, declined, or referred, the reasoning lives in someone's head, an email thread, and a marked-up Word document. When the auditor asks why a deal was approved eighteen months later, you're hunting through inboxes.
No single source of truthBroker Portal and Credit Decisioning are designed as one workflow. A deal arrives through the broker portal, lands fully assembled in your credit queue, runs through your policy rules automatically, and produces a draft credit paper your analyst reviews and approves.
Brokers submit through a guided form, not an email with PDFs attached. The portal validates completeness before submission — so nothing lands in your queue half-finished. Brokers see live status, so your analysts stop fielding "where's my deal?" calls.
Lendbase reads the broker submission, runs every third-party check, spreads the financials, and drafts the credit paper in your existing template — with policy compliance and exceptions flagged inline. Your analyst opens a finished draft, not a blank page.
Your credit policy lives in a PDF today. Lendbase converts it into a running rule set that's checked against every deal automatically — so the easy yeses are auto-approved, the easy nos are declined, and your team focuses on the deals that actually need judgement.
AI assistance doesn't mean black-box decisioning. Every number in the credit paper traces back to its source. Every override is logged with a reason. Every decision has a full audit trail. When the auditor asks why a deal was approved, you have the answer in seconds.
Lendbase covers the complete lending lifecycle. Your credit team gets Broker Portal and Credit Decisioning. Your servicing team gets the Loan Management System. Your treasury team gets the Funding Engine. Every module shares one data model — which is what makes the credit-to-funding handoff actually work.
Every step connected. No manual handoffs. AI handles the repeatable work — your team handles the decisions.
Broker enters loan details, uploads supporting documents, and submits via the branded portal. AI validates inputs and flags missing information before the file reaches your team.
AI validates on intakeThe platform assembles a structured credit paper, runs the loan against your policy rules, flags any breaches, and surfaces justifications. Your credit team reviews and approves or declines in one action.
AI flags policy breachesOn approval, all data flows directly into the LMS. No re-entry, no copy-paste errors. The loan is ready for the next step immediately.
Zero data re-entryThe loan is tested against all available warehouse funders. Rules are stored per funder — LVR limits, property types, borrower criteria. The optimal funding match is returned automatically.
AI matches to best funderThe platform generates a settlement memo ready for your settlements team to send to solicitors, or for direct upload into Pexa. No template-filling, no manual calculations.
Pexa-ready outputDirect debit schedules are set at settlement. Repayments are collected, principal and interest split automatically, and reconciled against your warehouse facility. Missed payments trigger AI-driven outreach before they become arrears.
AI arrears detection & outreachLendbase is priced on portfolio size and product mix — not headcount or transaction volume. Speak with us to get a proposal tailored to your operation.
For lenders digitising their front office. Structured broker intake, AI-generated credit papers, and a deal pipeline your credit team will actually use.
For lenders modernising their back office. Full loan lifecycle management, native direct debit, and automated warehouse and trust management.
For lenders who want the complete stack. Both bundles together, with white-label options, custom integrations, and a dedicated success manager.
We're onboarding a small group of design partners before our full launch. If you're the Head of Credit or Head of Originations at a non-bank lender and want to see the platform in detail, we'd like to hear from you.
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