AI-powered lendingwith a human checkpoint
on every file.
Brackenmark is an Australian lending workspace that pairs an AI finance assistant for borrowers with broker-grade tools for the people behind every deal — across car, bike, personal, business and home loans.
Drop us a line · brackenmark-2@polsia.app
- Soft-credit pre-qual ✓
- Documents gathered ✓
- Awaiting human checkpoint — you
The Brackenmark difference
Built different by design.
AI-first neobrokers stop at the application form. Broker-only suites never meet the customer. Brackenmark is a single workspace for both — with a human checkpoint every AI recommendation has to clear.
Borrower side
Borrowers chat with a Brackenmark finance assistant that answers plain-English questions, pre-qualifies them across a broad lender panel via soft credit checks and gathers every supporting document inside one secure client portal. Explicit consent and on-screen disclosures sit at every step.
Broker side
Inside the broker CRM, a co-pilot drafts marketing content, the business-manager dashboard surfaces leads, revenue, tasks and content suggestions, and built-in calculators cut quoting time. The work that used to take an afternoon takes an espresso.
Compliance
Every AI recommendation is paired with a human review before anything is submitted. An audit log records every prompt, decision and override, with suitability evidence, responsible-lending disclosures and an AFCA-ready dispute trail ready to surface to ASIC or the regulator on demand.
Connectivity
Native integrations with lender platforms and verification providers keep data flowing. No re-keying between CRMs, lender portals and spreadsheets — Brackenmark is the single source of truth across car, bike, personal, business and home loans.
One workspace, two sides
Stop meeting only halfway.
Pick the side you’re here for. Brackenmark is built end-to-end — the borrower feels guided from first chat to settlement, and the broker never has to context-switch.
Borrower experience
- 01
- Chat with the Brackenmark assistant in plain English.
- 02
- Pre-qualified via soft credit — no hard pulls yet.
- 03
- Documents, lender options and progress in one portal.
How it works
Five steps.
One human checkpoint.
The assistant proposes. The broker decides. The regulator reads the trail. That order never changes — and the trail never gets rewritten.
Step 01
Borrower chats with the assistant
The AI finance assistant answers questions, captures goals and explains the borrowing process in plain English.
Step 02
Soft-credit pre-qualification
Across a broad lender panel — car, bike, personal, business and home loans. No hard credit pulls until a human signs off.
Step 03
Documents gathered in the portal
Payslips, statements, ID and supporting evidence are uploaded into a secure client portal with explicit consent captured at every step.
Step 04
Broker reviews the recommendation
The assistant suggests the next step; the broker inspects, edits and decides. AI proposes — a licensed human disposes.
Step 05
Submitted with a full audit trail
Every prompt, decision and override is logged for compliance with the NCCP Act, ASIC Regulatory Guide 209 and the draft BNPL regulations.
Compliance by construction
Built for Australian credit.
The same controls that keep a regulator happy also keep a borrower safe — and a broker out of paperwork.
- NCCP ActNational Consumer Credit Protection
- ASIC RG 209Credit licensing & conduct
- BNPL 2025Draft buy-now-pay-later regs
- AFCA-readyDispute trail on every file
- Soft-creditPre-qual only — no hard pulls
- Explicit consentCaptured per artefact
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