Sign inContact us
◆Features

Every feature, explained.

Nine core capabilities and eight supporting facts about the workspace — written for brokers procuring the tool, not for the marketing site.

Trail analytics

See every dollar of recurring trail, in one place.

Aggregate trail, upfront and clawback commissions across cohorts, lenders and loan writers — with the underlying maths exposed, not hidden behind a black box.

What it does

  • Monthly trail income with cohort split (FY-to-date, last FY, calendar year)
  • Upfront commission tracked alongside trail so you see total earn per loan
  • Lender concentration view — flags when one bank exceeds your risk threshold
  • Per-broker, per-borrower drill-downs to settle commission disputes in minutes
Who uses it daily
Owner-brokers reconciling against aggregator statements, and ops leads building monthly P&Ls.
Available on
StarterProfessional
Retention engine

A live retention score for every client.

Eight weighted factors — settlement age, fixed-rate proximity, rate-vs-market gap, equity, engagement recency, loan size, repayment anomaly, tenure — fuse into a single risk score per loan, then bubble up to a client view.

What it does

  • Worst loan dominates the client score so the team works the actual risk
  • Primary risk factor surfaced (e.g. "rate 0.42% above market") for the talk track
  • Recompute on demand or after every upload — no overnight wait for fresh signals
  • Score history retained so you can prove retention work moved the needle
Who uses it daily
Retention managers and BDMs running weekly at-risk reviews.
Available on
StarterProfessional
Refinance risk alerts

Be first to know when a borrower is rate-shopping.

Triggers fire on rate-vs-market drift, hard-credit-enquiry signals from CCR feeds, and fixed-rate roll-off — not on quarterly reports. Alerts land as tasks in the workspace, not as another email to ignore.

What it does

  • Configurable rate-gap threshold per lender (default 0.25%)
  • Fixed-expiry warm-up 90 / 60 / 30 days before roll-off
  • CCR enquiry signal cross-referenced against your client list
  • Tasks auto-dedupe — running automations twice never spawns duplicate work
Who uses it daily
Retention managers and the broker who owns the relationship.
Available on
StarterProfessional
AI revenue insights

Plain-English answers to "what should I do this week?"

Ask the workspace anything — "which loans are most at-risk this month?", "what's leaking trail?", "where am I over-concentrated?" — and get an aggregate-only summary built on your own data, with the maths shown.

What it does

  • Anthropic, OpenAI or Gemini — bring your own key for unlimited use, or use ours
  • Aggregate context only — names, emails, phone, DOB and free-form notes are stripped before the prompt leaves the workspace
  • Streaming responses so you can read as it thinks
  • Conversation history scoped to your organisation, never shared cross-tenant
Who uses it daily
Owners and ops leads who don't want to learn SQL to ask their own book a question.
Available on
StarterProfessional
Portfolio forecasting

12 / 24 / 36-month trail projections under your assumptions.

Stress-test rate moves, churn rates and average loan life. Compare the base case against a "what if 40% of fixed rolls off into refi" scenario without leaving the page.

What it does

  • Three horizons (1, 2, 3 years) with monthly granularity
  • Adjustable churn, rate and clawback-rate inputs that recompute live
  • Scenario diff — current vs stressed, surfaced as a single delta number
  • Export to PDF so the boardroom gets the same numbers you see
Who uses it daily
Brokerage owners forecasting valuation; finance leads building 3-year revenue plans.
Available on
StarterProfessional
Clawback detection

Catch at-risk loans before the discharge hits.

TrailScope ships with the AFG Residential Lender Clawback Summary embedded — 56 lenders × 8 three-month bands covering months 0-24. Every loan's clawback exposure is computed automatically; reversals and adjustments flag the parent loan as LIKELY_CLOSED so KPIs don't drift.

What it does

  • Per-lender, per-month clawback rate schedule (no manual lookup)
  • 30 / 60 / 90-day exposure forecast in the Reports section
  • Adjustments and reversals atomically reclassify the loan — no orphan rows
  • Clawback Exposure PDF report ready for the next aggregator dispute
Who uses it daily
Finance leads chasing aggregator fee reversals; owner-brokers protecting reported revenue.
Available on
StarterProfessional
Fixed-rate expiry

Every borrower rolling off fixed — sequenced by value and effort.

A timeline view that ranks upcoming fixed-rate roll-offs by deal size, retention risk and current rate gap, so the team works the biggest opportunities first.

What it does

  • Calendar grouped by month with deal value totals at the bucket
  • Cross-referenced with the retention score — high-risk roll-offs surface first
  • Quick-action: spawn a review task and a refi alert from the same row
  • Filter by loan writer to delegate the queue across the team
Who uses it daily
BDMs and brokers running the 90-day review cadence.
Available on
StarterProfessional
Annual review automation

Generate review packs, send them, track engagement.

Annual reviews stop being a manual MS Word ritual. TrailScope generates a branded PDF per client (rate, loan structure, market comparison, equity, next-action recommendations), tracks who opened it, and re-queues the next one.

What it does

  • Branded PDF template — Inter + JetBrains Mono, gradient TrailScope chrome
  • Auto-scheduled by anniversary or by fixed-expiry date
  • Open-tracking pixel so the team knows who read the pack
  • Bulk-send queue with throttling so deliverability stays clean
Who uses it daily
Operations and customer-success leads running the review motion.
Available on
StarterProfessional
Broker performance

Benchmark every loan writer on retention, mix and trail growth.

A leaderboard the team can stand behind — because it's their own data. Filter by loan writer surfaces only when at least two distinct values exist, so solo brokerages don't get a column they can't compare.

What it does

  • Trail / upfront / clawback by loan writer, period-on-period
  • Retention score distribution per writer — who's losing the book?
  • Lender mix breakdown — concentration risk traced to the source
  • CSV export ready for payroll splits and bonus calcs
Who uses it daily
Owners running quarterly broker reviews; BDM leads building patch plans.
Available on
StarterProfessional
More in the box

Eight things we didn't put on the homepage.

Behind every checkmark in the pricing comparison table is a real piece of the workspace. Quick descriptions of the supporting cast:

Lender concentration view

Live alert when one lender exceeds your risk threshold — straight from the trail data, not a separate report.

Upfront commission tracking

Per-loan upfronts captured alongside trail so you see total commission earn, not just the recurring slice.

Portfolio health summary

A one-screen daily-stand-up view: yesterday's deltas in trail, risk, fixed-roll-offs and tasks completed.

SSO / SAML

Okta, Microsoft Entra and Google Workspace via SAML 2.0. Available on Professional; configurable from Settings → Organisation.

Audit log

Every login, member change, BYOK key write, billing event and destructive RPC retained for 7 years per NCCP.

Australian data residency

Primary database, backups and Edge Function execution stay inside AWS Sydney (ap-southeast-2). See the full sub-processor list.

Priority support

4-hour business-hour SLA on Professional. Reply-to-email goes straight to the engineer who built the feature.

See it on your own book.

Connect your aggregator and we'll have a live workspace ready by 6am tomorrow. 14-day trial, no card required.

Start free trial →Contact us