Lendbase replaces manual credit workflows with AI-assisted origination — from broker intake to settlement, in one connected platform. Less paper-shuffling. More decisions per analyst per day.
The only way most lenders grow
is to hire another analyst.
At $200k+ per analyst, growth becomes a budget conversation instead of a product decision.
A single credit analyst spends 20+ hours assembling a credit paper — chasing brokers, copying data between systems, and formatting documents that AI should be writing. The deal pipeline stalls. Borrowers walk.
Analysts manually pull financials, re-key broker data, write narrative from scratch, and format policy sections — for every single deal. It shouldn't take a week to say yes or no.
20 hrs per dealMissing documents arrive via email. Deal status lives in someone's inbox. Brokers call to follow up. Credit teams stop working to answer. The same information gets entered three times.
No single source of truthGeneric CRMs weren't built for credit. Legacy LMS vendors charge thousands per change request. Direct debit providers don't understand 7-day settlement. You're stitching together software that was never meant to talk to each other.
4–6 disconnected systemsWhen deal flow increases, the only answer is another analyst. But headcount doesn't scale like software. You're limited by the number of credit papers a human can write — not the quality of your book.
Headcount ceilingLendbase covers the complete lending lifecycle — from first broker submission through credit decisioning, loan management, and warehouse funding. Every handoff is automated. Every action is audited. Eliminating the gaps between systems is where the efficiency gains are.
The broker portal is your front door. Brokers submit loan applications and supporting documents in a structured, guided flow — no emails, no PDFs, no re-entry. On submission, the deal lands directly in the Credit Decisioning queue, fully assembled and ready for assessment.
The Credit Decisioning module sits between the broker portal and the LMS. Submitted deals are immediately tested against your policy rules — LVR limits, concentration thresholds, security type eligibility, and more. Deals that meet all criteria are flagged for auto-approval. Exceptions are routed to your credit team with the AI-generated credit paper pre-assembled.
The LMS is the heart of the platform. Every approved loan flows in, and every downstream action — settlement, repayment, arrears — flows out. Built from the ground up for non-bank lenders, not retrofitted from a mortgage product. No per-change fees. No support tickets to make a field visible.
For lenders running multiple warehouse facilities, the Funding Engine is a dedicated product sitting between your LMS and your funders. A loan passes from the LMS to the Funding Engine for eligibility checks across all warehouses, then returns with an optimal funding decision — automatically, before settlement.
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 running a non-bank lending business in Australia or APAC and want to help shape the platform, we'd like to hear from you.
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