Your assets

Pipelines and deal boards

Eight boards and seventy-one stages, installed configured. Most deals do not stall because of a lender — they stall because nobody can see which document is missing on which file. These boards make that visible, and every stage is yours to change.

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An opportunity board in Finance OS, with client details blurred
In the product · A live board in the account. Client details are blurred here; the columns, counts and values are exactly as they render.

What the board does when you move a card

A rendered diagram, not a screen recording. Stage names and both automations are the configured board; the deal is illustrative.

The eight boards

71 stages across 8 pipelines, installed configured. Every one of them is yours to rename, reorder or delete — a pre-built board you cannot change is worse than no board at all.

Lead Gen & Qualification

7 stages

Capture, qualify, and warm up potential clients across all service types.

  1. New Enquiry

    Initial contact point (any source)

  2. Lead Captured & Tagged

    Categorized by service need (lending/investment/capital/referral)

  3. Qualification Call Booked

    Discovery scheduled

  4. Discovery Completed

    Needs identified, service pathway determined

  5. Warm Nurture

    Active follow-up for not-yet-ready leads

  6. Cold Archive

    Long-term nurture sequence activated

  7. Servicing

    Find out if the deal actually services based on quick calculations

Active Deals: Finance/Lending

10 stages

Manage residential and consumer lending deals from application through to settlement, ensuring compliant lodgement and timely completion.

  1. Application Started

    LOE signed, fact-find underway

  2. Document Collection

    Gathering supporting docs

  3. Pre-Assessment / Scenario

    Servicing & structure confirmed

  4. Prelim Issued

    Broker-approved structure

  5. Formal Submission (MIRS)

    Lodged with lender (Manager Information Request System)

  6. Conditional Approval

    Approved with conditions

  7. Formal Approval

    All conditions met

  8. Docs Out

    Loan docs issued to client

  9. Settlement Booked

    Date locked in

  10. Settled

    Deal closed

Active Deals: Investment/Capital

13 stages

Facilitate acquisitions, SMSF lending, capital raising, and wealth structuring deals in partnership with financial advisors and accountants.

  1. Application Started

    LOE signed, investment strategy discussed, fact-find underway including entity/trust structure

  2. Structure & Entity Verification

    SMSF trust deed reviewed, entity docs verified, tax structure confirmed with accountant

  3. Document Collection

    Gathering supporting docs including investment-specific evidence

  4. Pre-Assessment / Scenario

    Serviceability, investment structure, and lending strategy confirmed

  5. Investment Valuation Ordered

    Property valuation commissioned (required for all investment lending)

  6. Prelim Issued

    Broker-approved structure, tax implications reviewed with accountant

  7. Formal Submission (MIRS)

    Full application lodged with lender including all entity and investment docs

  8. Conditional Approval

    Approved subject to conditions (valuation, lease, trust deed, etc.)

  9. Formal Approval

    All conditions met, unconditional approval received

  10. Docs Out

    Loan docs issued to client/trustee/company director for signing

  11. Settlement Coordination

    Pre-settlement coordination with solicitor, accountant, and settlement agent

  12. Settlement Booked

    Settlement date locked in with all parties

  13. Settled

    Deal closed, funds drawn, investment property acquired or capital released

Active Deals: Construction/Development

10 stages

Track progress claim drawdowns and construction milestones from land settlement to final handover, ensuring timely valuations and repricing at completion.

  1. Construction Settled - Not Started

    Land/house+land settled, awaiting construction commencement

  2. Deposit / Pool Stage

    Initial deposit drawn, slab/pool poured

  3. Progress Claim 1 Base

    Base stage complete, claim lodged and approved

  4. Progress Claim 2 Frame

    Frame erected, claim lodged and approved

  5. Progress Claim 3 Enclosed

    Roof, windows, external complete, claim lodged

  6. Progress Claim 4 Fixing

    Internal fit-out, cabinetry, plumbing, electrical complete

  7. Progress Claim 5 Practical

    Practical completion achieved, final claim lodged

  8. Landscaping / Final

    Final touches, landscaping, driveway completed

  9. Handover Complete

    Keys handed over, construction loan closed out

  10. Repricing / Valuation

    Final valuation ordered, repricing to owner-occupied or investment rate

Active Deals: Commercial

10 stages

Manage commercial lending transactions including business loans, commercial property purchases, equipment finance, and business asset acquisitions with appropriate security and guarantees.

  1. Commercial Enquiry Qualified

    Business need identified, director/entity details captured

  2. Business Structure Review

    Entity type, ABN, business financials assessed

  3. Scenario & Pre-Assessment

    Serviceability, security position, loan structure confirmed

  4. Director Guarantee & Security Docs

    Personal guarantees, director IDs, security agreements

  5. Commercial Valuation Ordered

    Independent valuation or desktop arranged

  6. Formal Submission

    Full commercial application lodged with lender

  7. Conditional Approval

    Approved subject to conditions (leases, insurance, legals)

  8. Formal Approval & Docs Out

    Unconditional approval, loan docs issued

  9. Settlement Booked

    Commercial settlement date locked

  10. Settled

    Deal closed, funds drawn, security registered

Audit & Compliance

5 stages

Quality control, risk management, and regulatory adherence

  1. Pre-Settlement Audit

    File check before settlement

  2. Post-Settlement Audit

    Compliance review completed

  3. Clawback Risk Monitor

    Track at-risk settlements

  4. Annual License Audit

    Regulatory compliance check

  5. File Archive

    Closed & stored appropriately

Client Retention & Growth

9 stages

Maximize lifetime value through proactive servicing, upselling, and referrals

  1. Welcome & Onboarding

    Post-settlement welcome sequence (Week 1)

  2. 30-Day Check-In

    Early satisfaction check

  3. 90-Day Review

    First quarter health check

  4. Annual RBA Review

    Rate check & refinance opportunity assessment

  5. Life Event Trigger

    Marriage, baby, job change, inheritance flagged

  6. Mid-Term Opportunity

    Refinance, top-up, investment opportunity

  7. Retention & Repricing

    Proactive rate negotiation before switching

  8. Referral Request

    Systematic ask for introductions

  9. 5+ Year VIP Milestone

    Long-term client celebration & review

Partnership & Referral Network

7 stages

Manage relationships with accountants, wealth advisors, and referral partners

  1. Partner Identified

    New potential partner spotted

  2. Initial Meeting Booked

    First touchpoint scheduled

  3. Partnership Agreement

    Terms agreed, referrer agreement signed

  4. Active Referral Partner

    Regularly sending/receiving referrals

  5. Co-Client Management

    Shared client servicing

  6. Quarterly Partner Check-In

    Relationship health review

  7. Dormant Partner - Reactivation

    Re-engagement campaign

And the boards are wired

A column that only records a state is a spreadsheet with colours. These are the recipes that ship with the boards, in the same when-if-then shape the builder uses.

  • When
    Deal changes stage
    If
    Deal stage is = Document Collection
    Then
    Add checklist to deal = Broker Support Checklist

    - Eliminates manual task creation.

  • When
    Deal changes stage
    If
    Deal stage is = Settled
    Then
    Change deal status = Settled

    - Maintains accurate deal statuses for tracking and reporting.

  • When
    Deal created
    If
    Deal stage is = New Lead
    Then
    Add checklist to deal = Compliance Checklist

    - Automates the creation of compliance tasks for every new deal.

  • When
    Deal created
    If
    Deal stage is = Kaiden
    Then
    Add checklist to deal = Compliance Checklist

    - Automatically assigns compliance requirements to Kaiden-related deals.

  • When
    Deal changes stage
    If
    Deal stage is = Loan Docs
    Then
    Add checklist to deal = Documents Issued & Returned Checklist

    - Guarantees that every deal entering the Loan Docs stage follows the correct documentation workflow.

  • When
    Deal changes stage
    If
    Deal stage is = Loan Docs
    Then
    Send Email = Email - Loan Documents Issued

    - Automatically notifies clients when loan documents are ready.

The automation builder in Finance OS
In the product · And this is why the columns matter: a stage change is a trigger. A board that only records a state is a spreadsheet with colours.

What it does not do

It complements your aggregator. It does not lodge loans, assess credit, calculate serviceability or carry your compliance obligations.

This is the asset behind Close more settlements.

See it in your own account

Every capture on this page is the live Finance OS account, not a mock-up. A walkthrough is half an hour in it on your own workflow, and a straight answer on what is built and what is not.

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