Built for australian lending
live in 12 weeks
lixi-aligned & future ready
secure enterprise-grade platform
[01] Configurability
Configure lending around your business.
Shape your credit policy, products and workflows in the platform, and change them the moment your business needs it. No vendor approval.
Approvals & DLAs
Approve by role, product and loan size so every decision reaches the right authority level.
Policy Rules & Conditions
Build credit rules using any data point — updatable by your credit manager, no developer needed.
Serviceability
Configure buffer rates, income shadings, liability multipliers, HEM for defensible serviceability outputs.
Product & Pricing Engine
Define products, rates and fees by LVR, loan purpose and risk grade to match your credit appetite.
[02] Deals you can trust
Know which deals are good, and why.
Credit risk, compliance and responsible lending obligations should be enforced by the platform — not solely left to process or memory.
Application Data Verification
Automatically compare declared application data against verified sources so discrepancies are surfaced, reviewed and resolved before they reach a decision.
Policy Rules & Approval Controls
Enforce your credit policy, flag breaches and restrict approval by DLA so every deal that moves forward has passed the controls you set.
Credit Reports, AML/KYC, Land Titles & Valuations
Pull third-party credit, identity and property data in so assessors make decisions based on data from trusted sources without having to leave the platform.
[03] Intelligent Lending
Cut the manual work that slows lending down.
Every hour spent re-keying data is an hour not spent on decisions. Automate the admin load so your team's attention goes where it adds value.
Salesforce Extensibility
Extend Cinch with the full Salesforce ecosystem as your business grows and your operating model evolves.
Documents, Emails & Notes
The full story of every application —documents, email and note captured in one place
Extract, categorise and validate documents automatically. Surface fraud signals before they're missed.
Document Extraction
Straight Through Processing
Automate application progression based on type, stage and rules so the process runs itself.
[04] Consistent broker experience
Give brokers a process they can rely on.
Brokers want consistency, predictability and transparency. Cinch delivers all three so your team can focus on the relationship, not the process.
Broker Portal
Real-time application visibility and secure document exchange — no endless and tangled email threads.
Communication Templates
Template documents and emails so every communication is consistent, on-brand and never dependent on who sends it.
Broker Management
Manage accreditation, associations and permissions before an application is submitted — so the right brokers are writing the right products from day one.
[05] Quality Data
Cleaner data. Better outcomes.
Reduce manual entry, validate information against trusted sources and keep application data structured for confident lending decisions.
Permissions and Visibility
Control which users can action specific parts of the applicatione — access aligned to roles and authority.
Integrations
External data lands inside Cinch and feeds directly into the platform's internal engines and business logic.
LIXI CAL2 Data Model
Structure loan application data using an industry-aligned model designed for consistency and interoperability.
Serviceability & Policy Logic
Trigger serviceability and policy logic automatically on application update — always current.