PRODUCT OVERVIEW

real results, lending platform for Australian lenders

Cinch is the lending platform that gives Australian lenders the control to shape their products, policies and workflows around the way they actually lend.

EXPLORE THE PLATFORM

broker portal, lending platform for Australian lenders

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.

Define products, rates and fees by LVR, loan purpose, borrower type, risk grade, etc. Create your own product parameters so your product suite reflects your actual credit appetite.

Configure buffer rates, income shadings, liability multipliers, HEM and more so that every serviceability output is defensible and consistent.

Build rules and conditions using any data point in the application with a rule builder your credit manager can update without a developer.

Structure approval workflows by role, product and loan size so every decision is made at the right authority level, consistently, with a full audit trail.

[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.

Automatically compare declared application data against verified sources so discrepancies are surfaced, reviewed and resolved before they reach a decision.

Enforce your credit policy, flag breaches and restrict approval by DLA so every deal that moves forward has passed the controls you set.

Pull third-party credit, identity and property data directly into Cinch 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 or cross-referencing data is an hour not spent on decisions. Automate the admin load so your team's attention goes where it adds value.

Extract, split and categorise documents automatically so declared data can be verified at a glance. Surface potential discrepancies or fraud signals before they're missed.

Automate application progression based on type, stage and rules so the process runs itself.

The full story of every application, documents, emails and notes, captured automatically in one place, without the admin.

[04] End-to-End Origination

Run the full journey in one place.

Every stage of the origination loan journey lives in one system. One view, one record, no handoff gaps between teams or tools.

Capture applications from broker lodgement gateways or direct entry forms into a LIXI-structured format, so data is clean, standardised and ready for the next step in the process.

Perform decisioning, serviceability, policy checks, approval workflows and conditions without moving between disconnected tools.

Generate and send settlement instructions from within the origination workflow and get status updates as settlement progresses.

Hand completed loan applications into your servicing platform without rework, duplicate entry or manual handoff gaps.

[05] 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.

Real-time application visibility and secure document exchange, no endless and tangled email threads.

Define every stage an application moves through, with the queues and dashboards to manage workload and deliver a consistent broker experience.

Manage accreditation, associations and permissions before an application is submitted, so the right brokers are writing the right products from day one.

Template documents and emails so every communication is consistent, on-brand and never dependent on who sends it.

[06] Quality Data

Cleaner data. Better decisions.

Reduce manual entry, validate information against trusted sources and keep application data structured for confident lending decisions.

Every data point declared by the applicant, checked against a trusted source, discrepancies surfaced, resolved and recorded.

Trigger serviceability and policy logic automatically on application update, always current, not dependent on manual processes.

Structure loan application data using an industry-aligned model designed for consistency and interoperability.

External data lands inside Cinch and feeds directly into the platform's internal engines and business logic.

[07] Flexibility

A platform that keeps moving.

Configure the platform around your teams today, then extend it as your products, processes and operating model evolve.

Track applications, manage workloads and give teams operational visibility without building manual reporting workarounds.

Control which users can view, edit, approve or action specific part of the application, keeping access aligned to roles and authority.

Shape record pages around the way different teams work, so credit, settlements and support teams each see what matters to them.

Extend Cinch with the Salesforce ecosystem, apps and partners as your business grows and your operating model changes.

LET'S TALK

See how Cinch fits your lending model.

Every lender has different products, rules and ways of working. Cinch is built to support that difference.

If you want a platform your team can configure, control and grow with, it is time to see Cinch in action.

CONTACT US

EXPLORE OUR CUSTOMER SUCCESS