Non bank lending - Get Generative

Pre-solved

We have already solved the hardest challenges for non-bank lending before your project starts.

Make time to yes the product, not the bottleneck

Lodgement, bureau, valuation and the credit decision stop living in three systems. An orchestration layer assembles a decision-ready file in one queue.

Stop commission leaking through clawback

Upfront, trail, aggregator splits and clawback windows across several statement formats, handled by a calculation engine and reconciliation patterns instead of spreadsheets.

See the broker decline before month-end does

Segmentation and coverage patterns show who is submitting, who has gone quiet and whose conversion is falling — while a BDM can still act on it.

Retain the loan before the discharge notice

Refinance risk scoring and a save-desk workflow fire months earlier, so the loan and the upfront commission are not both gone at once.

The AI-native approach

Seven agents. Every project starts pre-loaded.

We embed industry knowledge into the agents — not a methodology deck. From day one, every agent applies your industry’s workflows, regulations, data models and proven patterns — from Discovery through Managed Services. The result: industry expertise built directly into your solution and project artefacts from week one.

Discovery

Runs workshops from the pack process models. Asks how your credit policy differs from this baseline and which warehouse constrains it, not “walk us through your process.” Output is captured as deltas against the pack baseline.

Design

Starts from the tenth draft. Pack stories, acceptance criteria and the application, broker and commission data model pre-loaded; the agent reconciles rather than authors. Every artefact badged From pack / Adapted / Net new.

Metadata

Diffs your existing org against the pack data model to produce a fit-gap automatically, or validates a clean landing zone.

Build

Instantiates the pack Flow and Apex skeletons parameterised to the approved design. Config generated from validated, tested patterns rather than authored from scratch.

Test

Runs the pack test suites against the built config using synthetic broker, application and arrears data. Traceable story → acceptance criteria → test.

Deploy

Inherits the pack environment and release conventions.

Managed Services

Picks up the pack reporting layer and continues to improve it post go-live.

Inside the pack

What makes our Agents ready for Salesforce implementation for non-bank lending

See exactly what our agents know and apply to your implementation.

Agent Skills

What it impacts

Process models

Broker accreditation → lodgement → verification → decisioning → approval → settlement → servicing → arrears and hardship. Commission calculation and clawback. Retention and discharge. Mermaid + structured JSON.

Data model extensions

Broker, aggregator, accreditation, application, loan, security property, condition, commission, clawback, hardship arrangement and arrears objects layered on Financial Services Cloud, with ERDs and rationale.

Story & AC library

Parameterised user stories with acceptance criteria, tagged by use case, cloud and persona (broker, BDM, credit assessor, settlements officer, collections, complaints, borrower).

Flow / Apex patterns

Deployable skeletons: lodgement payload normalisation, serviceability orchestration, conditions tracking, commission and clawback calculation, hardship assessment routing, IDR timeframe escalation.

Agent prompt & topic-action sets

Agentforce topics and actions for broker self-service, scenario qualification against credit policy, conditions chasing, arrears triage and retention scoring.

Test suites

Test scripts plus synthetic data generators — brokers and aggregator hierarchies, applications across product types, commission events, arrears and hardship scenarios.

Reporting packs

Dashboards and KPI definitions: time-to-yes by channel, conversion by broker and aggregator, commission and clawback exposure, arrears roll rates, discharge and retention performance.

If a component is empty in the manifest, the row renders empty. The page cannot overstate the pack.

The solution

How we implement Salesforce for non-bank lenders and aggregators.

We connect the entire lending journey — from broker distribution and origination to credit decisioning, settlement, servicing and collections. Our agents apply responsible lending, NCCP and best interests duty logic to automate work and identify risk before it becomes a problem.

20 of 20 use cases

Use case

Pillar

Salesforce

Agent / integration hook

Broker & aggregator relationship management

Distribution

Sales Cloud, FSC, Data 360

Relationship agent surfaces submission volume and conversion by broker

BDM activity tracking, coverage & broker segmentation

Distribution

Sales Cloud, Data 360, Tableau

Coverage agent flags brokers who have gone quiet

Broker recruitment, accreditation & onboarding

Distribution

Sales Cloud, Experience Cloud

Accreditation agent tracks credentials and aggregator agreements

Upfront & trail commission calculation with clawback

Distribution

Revenue Cloud Advanced, Data 360

Commission agent reconciles aggregator statements and clawback windows

Broker portal — scenarios, status & commission self-service

Distribution

Experience Cloud, Agentforce

Portal agent answers policy and status questions without a BDM call

Application lodgement & intake from aggregator rails

Origination

FSC, MuleSoft, Data 360

Intake agent normalises lodgement payloads into one queue

Direct channel lead capture & scenario qualification

Origination

Marketing Cloud, Sales Cloud, Agentforce

Qualification agent screens against current credit policy

Document collection, VOI & identity verification

Origination

FSC, MuleSoft, Experience Cloud

Verification agent orchestrates VOI and chases outstanding documents

Application status transparency & broker communications

Origination

Experience Cloud, Agentforce

Status agent pushes milestone updates to the submitting broker

Credit bureau, CCR & serviceability orchestration

Credit Decision

FSC, MuleSoft, Data 360

Decisioning agent assembles bureau, statement and serviceability inputs

Manual underwriting workqueue & referral management

Credit Decision

FSC, Sales Cloud, Agentforce

Workqueue agent routes by complexity and tracks time-to-decision

Conditional approval, conditions tracking & re-work

Credit Decision

FSC, Agentforce

Conditions agent chases outstanding items before formal approval

Formal approval, loan documentation & e-signature

Settlement

FSC, Revenue Cloud Advanced

Document generation patterns · e-signature and return tracking

Settlement booking, disbursement & funding drawdown handoff

Settlement

MuleSoft, FSC

Handoff agent creates operations tasks and reconciles against the ledger

Customer service case management & self-service deflection

Servicing

Service Cloud, Experience Cloud, Agentforce

Service agent handles balance, statement and payment queries

Variation, redraw & discharge request handling

Servicing

Service Cloud, FSC

Request agent routes variations and flags discharge risk early

Repricing & retention save desk

Servicing

FSC, Marketing Cloud, Data 360

Retention agent scores refinance risk before the discharge notice arrives

Complaints (IDR) & AFCA workflow

Servicing

FSC, Public Sector Solutions

Complaints agent tracks regulator timeframes and escalation

Arrears triage & hardship application management

Collections

Service Cloud, FSC, Agentforce

Hardship agent triages applications and evidences the assessment

Recoveries, enforcement & default reporting

Collections

Service Cloud, Data 360, Tableau

Recoveries workflow with full audit trail

Integrations & compliance

The ANZ systems and obligations, mapped.

Systems we integrate

Aggregator platforms Lodgement rails (NextGen, Simpology, LIXI) Credit bureaus Bank statement analysis Identity & VOI providers Valuation providers Lenders mortgage insurance Core lending & servicing platforms E-conveyancing (PEXA, Sympli) Payment rails (NPP, PayTo, BPAY, direct debit) Outlook DocuSign

Obligations we design for

Australian credit licence obligations under the NCCP Act

Responsible lending (ASIC RG 209)

Mortgage broker best interests duty (ASIC RG 273)

Financial hardship obligations

AUSTRAC AML/CTF, including the 2026 reforms

Comprehensive credit reporting (Privacy Act Part IIIA)

Privacy Act and the Australian Privacy Principles

Design and Distribution Obligations

Internal dispute resolution (ASIC RG 271) and AFCA

Breach reporting

BNPL obligations where applicable

Proof

A sample of the actual output.

Rather than case studies, we show the artefacts. These are the Agent outputs a non-bank lending engagement starts from — the real deliverable, not a claim about it.

User stories

Three stories with acceptance criteria

Commission and clawback calculation, conditions tracking and arrears triage, tagged by persona and cloud.

Data model

ERD extract of the broker and commission model

Broker, aggregator, accreditation, application, loan, condition, commission and clawback objects on Financial Services Cloud, with the rationale for each field.

Test suite

One executable test script

Clawback window calculation run against synthetic broker, application and commission-event data, traced story → AC → test.

AI agents that already know non-bank lending.

We have already solved the hardest challenges for non-bank lending before your project starts.

Make time to yes the product, not the bottleneck

Stop commission leaking through clawback

See the broker decline before month-end does

Retain the loan before the discharge notice

Seven agents. Every project starts pre-loaded.

What makes our Agents ready for Salesforce implementation for non-bank lending

How we implement Salesforce for non-bank lenders and aggregators.

Salesforce clouds we deploy here.

The ANZ systems and obligations, mapped.

A sample of the actual output.

The agents do the volume. Our forward deployed engineers do the judgement.

Request an Industry Design Sprint