Frequently asked
questions

Lend1 is an AI-powered client onboarding platform built specifically for mortgage, finance and insurance brokers. It replaces the fragmented spreadsheets, email chains, and manual follow-ups with a single platform that gives your clients a branded, step-by-step onboarding experience. AI handles the document collection, data extraction, and follow-ups, and once onboarding is complete, everything syncs into your existing aggregator software.

No. Lend1 is the client-facing layer that sits alongside your aggregator software, not a replacement for it. Onboarding, document collection, signatures and follow-ups happen in Lend1, and deals, contacts, documents, notes and tasks sync two ways with Connective Mercury and Nexus. Your aggregator stays the system of record without any double entry.

Yes. Whether you're a solo broker or running a team, Lend1 has a plan to suit. We offer different pricing tiers so you can pick the one that fits your brokerage size and needs. Check out our Pricing page for details.

Yes. Upload a CSV or Excel file of contacts, deals or referrers, up to 10 MB per file, and Lend1 suggests how each column maps to a CRM field. You review the mapping, check the preview and run the import. If you use Connective Mercury or Nexus, the two-way sync brings your deals and contacts across as well.

Your onboarding portal runs on your own domain, with SSL handled for you, or on a Lend1 subdomain. Linking it is as simple as pointing the Apply Now button on your website at the portal address. Clients pick what they are applying for and walk through your flow from there. If you want capture on the website itself, you can embed forms with a single script tag on any plan, and Pro and Enterprise plans add the embeddable lead capture widget and calculators that hand visitors straight into your lead flow.

You can ask the AI questions in plain English, like "Where's Sarah up to with her onboarding?", and it'll give you an instant update. It also works in the background, guiding clients through the onboarding process, extracting data from uploaded documents, renaming files, and following up clients by text and email.

Yes. You can add your own logo, brand colours, typography, and even use your own domain name. Style your emails to match, and your clients only ever see your brand, not ours.

Lend1 integrates directly with your aggregator software (Connective Mercury and Nexus), Google address verification, open banking through Fiskil, bank statement collection through CashDeck, Stripe, Google Calendar, and Calendly. You can also connect to thousands of other apps through Zapier.

Yes. Home Loan is ready on day one, and you can add Car Loan, Personal Loan, Equipment, Business, SMSF, Construction or Insurance from 12 templates, or build your own. Each finance type gets its own branch with flows you control, and clients choose what they are applying for at the start.

Yes. The Support role is built for assistants and admin staff. Link a support user to one or more brokers and they see exactly what those brokers see, their deals, contacts, tasks, documents and invites, and nothing else. An assistant working for two brokers gets both pipelines. Support staff are team members like anyone else, so they count towards your plan's seat limit.

No. Electronic signatures are built in. Attach a Credit Guide, Privacy Policy, Credit Quote, FSG or accountant authority letter from your compliance library, send it for signature, and track sent, viewed, signed or declined status with expiry enforced. Signed documents render to a branded PDF and can sync to Connective Nexus.

Yes, on Pro and Enterprise plans. Five calculators are included: Borrowing Power, Repayments, Stamp Duty (SA), Extra Repayments and Offset Savings. One line of script embeds them on any site, they pick up your colours and fonts automatically, and each one hands interested visitors into your lead flow. Anonymous analytics show which calculators are pulling their weight.

There's no free plan, but you can book a free demo to see exactly how Lend1 fits your brokerage before you commit. Plans are billed by subscription and you can cancel before your next billing date to avoid further charges.

Yes. Every plan includes a monthly AI credit allowance (3 million on Starter, 10 million on Pro, 25 million on Enterprise), and you can top it up with one-off credit packs from the billing page in your admin settings. Packs start at $20 for 500,000 credits. Purchased credits never expire: they are only drawn on once your monthly allowance is used, and the allowance resets each billing cycle. If you run out, staff tools such as the Copilot and document renaming pause until you top up or your allowance resets. Document reading, deal insights and lead scoring keep running, and your admins get an email so nobody is caught out.

Yes. AI Fraud Detection is included on Starter, Pro and Enterprise at no extra cost. It runs 47 checks across each deal's identity documents, payslips, employer ABN, bank data and file metadata whenever documents are read or bank data arrives, and flags anything that needs confirming before the application proceeds. The checks themselves are deterministic and use no AI credits. Only the plain-English summary of the findings draws on your monthly allowance, and it keeps running even when the allowance is used up. Admins can switch the checks or the summary off for the firm in Settings.

An active deal is any deal still in progress. Settled and inactive deals don't count, so the limit measures the size of your open pipeline, not how many deals you write in a month. Starter includes 50 active deals, Pro 100 and Enterprise 200. Leads are never blocked: deals from your forms, lead widget, imports, referrals and integrations keep arriving even when you are over the limit. Only creating a deal by hand pauses, and a clean-up tool suggests deals with no recent activity so you can move them to Inactive in one go, or you can upgrade.

Client-facing work keeps running. When AI credits run out, document reading, onboarding data extraction, deal insights and lead scoring carry on, and your website chatbot switches to taking the visitor's details and handing them to your team. Staff tools (the Copilot, SMS Copilot and document renaming) pause until you top up or your allowance resets. The SMS limit only counts texts your team chooses to send, such as conversation replies, automation texts and task reminders. Login codes, invites and magic links always send and never count. Admins get an email at 80% and 100% of any limit.

Yes. Plans are billed monthly, or annually if you choose an annual plan, and you can cancel from your admin panel. Cancellations need 30 days' notice, and fees already charged are not refunded, so cancel before your next billing date to avoid another charge.

In Australia. Lend1 runs on Amazon Web Services in the Sydney region, and our AI features run on Amazon Bedrock in the same region. Data is encrypted in transit and at rest, and backed up automatically. Our Security page sets out the full picture.

Yes. Aikido Security penetration tested the Lend1 application and API in September 2026. There were no critical or high severity findings, everything found was remediated, and a retest confirmed it. A Letter of Attestation is available on request for due diligence.

No. Lend1's AI runs on Amazon Bedrock in Sydney. Amazon does not use customer content to train or improve models, and does not share it with the model providers. Your clients' documents and data are only used to do the job in front of you.

Yes. Admin, Broker and Support roles come built in, and you can create custom roles from more than 100 permissions. Support staff only see the brokers they are linked to. Audit logging records who did what on a client file, and when, and keeps 12 months of history.

Yes. Get in touch and we will delete your brokerage's data from Lend1, subject to any record-keeping obligations that apply under Australian financial services law. We recommend exporting your reports and downloading your deal document bundles first. Our Privacy Policy sets out how deletion and restriction requests are handled.

Yes. Start from the built-in Admin, Broker and Support roles, or build your own from more than 100 permissions grouped by feature, covering deals, contacts, documents, forms, automations, AI, reports and settings. The role editor flags any permission that exposes every broker's data, allows deletion or elevates access, so nothing is granted by accident. Permissions are enforced on the server for every screen, report and AI Copilot action, and only an admin can create another admin.