# Every document for the loan, in one place. Source: https://cruxlabs.com.au/industries/brokers-advisers For mortgage brokers, finance brokers and financial advisers. A client portal for documents, ad leads, text updates and AI that reads bank statements for a person to check. Brokers keep their aggregator CRM; advisers keep Xplan or their advice software. Document chasing is next. The portal and AI are built and tested, not yet live. Built in Melbourne, working Australia-wide. ## The loan is in one system, the documents in forty texts. The admin we see in brokerages and advice firms. Plain statements, not quotes. - Documents chased one at a time by text. Then saved from a phone into a folder. - Lender follow-ups remembered, not scheduled. Until the client calls to ask. - Annual reviews slip. The client hears from another broker first. - Referral partners never hear back. So they stop sending clients. ## Every document and follow-up, from the first enquiry to settlement. The lead, the documents and every follow-up read the same client. The client record, the fact find and the loan stay in your aggregator CRM; an adviser's file stays in Xplan or your advice software. 1. **Lead**: From an ad or a referrer. 2. **Fact find**: Taken in your CRM or Xplan. 3. **Documents**: Uploaded through the portal. 4. **Lodge**: In your aggregator software. 5. **Approve**: Every lender follow-up on a date. 6. **Settle**: Then the annual review on the calendar. - Leads from Facebook and Instagram ads, landing straight in one lead list (Live) - Text reminders and updates to the client (Live) - A portal where clients upload documents instead of texting them (Built) - AI that reads bank statements and tax returns for a person to check (Built) - A document checklist that chases what is missing on a schedule (Next) - Lender follow-ups and annual reviews set on a date, so none is missed (Next) - A referrer portal showing where each referred client is up to (Next) Live: running for a client today · Built: coded and tested · Next: not shipped yet · Can build: no delivered example yet. Levels describe the module, in whichever industry it runs today. Services for brokers and advisers: [Business Operating System](https://cruxlabs.com.au/services/business-operating-system) · [AI agents and automation](https://cruxlabs.com.au/services/ai-automation) · [Websites for services businesses](https://cruxlabs.com.au/services/websites). ### Software we connect to - **Facebook and Instagram lead ads**: Leads land straight in the lead list, not an inbox (Live) - **SMS**: Client updates by text (Live) - **Bank statement reading**: Statements read and filed for a person to check (Built) - **Mercury, MyCRM or your aggregator's CRM**: Your CRM stays and keeps the client record, the fact find and the loan; we build around it (Can build) - **Xplan or your advice software**: An adviser's client file and advice records stay there; we build around it (Can build) ### The rules your paperwork answers to - **Best interests duty, National Consumer Credit Protection Act 2009**: A broker acts in the client's best interests, and ASIC expects records that show how. Source: https://www.asic.gov.au/regulatory-resources/find-a-document/regulatory-guides/rg-273-mortgage-brokers-best-interests-duty (checked 2026-10-06) - **Responsible lending, National Consumer Credit Protection Act 2009**: Before suggesting a loan, a broker makes reasonable inquiries and verifies the client's finances. Source: https://www.asic.gov.au/regulatory-resources/find-a-document/regulatory-guides/rg-209-credit-licensing-responsible-lending-conduct (checked 2026-10-06) - **Australian financial services licence, ASIC**: A business that gives financial product advice must hold an Australian financial services licence or be authorised by a business that does. Source: https://asic.gov.au/ (checked 2026-10-06) This is the Business Operating System, set up for brokers and advisers. [See the full system](https://cruxlabs.com.au/services/business-operating-system) Also set up for: [Accounting firms](https://cruxlabs.com.au/industries/accounting-firms) · [Insurance brokers](https://cruxlabs.com.au/industries#insurance-brokers) · [Property and real estate](https://cruxlabs.com.au/industries/property-real-estate). ## No brokerage or advice firm yet. The portal and the document reading that would run yours are built. Leads from Facebook and Instagram ads run live for a security company, and text updates to the client for a chauffeur business. The document portal and the AI that reads bank statements are built in Crux Practice. - [A complete in-house system for a security company](https://cruxlabs.com.au/case-studies/security-operations-system) (Ad leads, Live): Quotes, rosters and client questions run from one record. The company takes on new clients without rebuilding the paperwork each time. - [The chauffeur business we scaled](https://cruxlabs.com.au/case-studies/chauffeur-business-system) (Text updates to the client, Live): Close to $300K in revenue in under 10 months. We built the system, ran the ads and advised along the way. - [Crux Practice: practice management for accounting firms](https://cruxlabs.com.au/case-studies/crux-practice) (Document portal, AI statement reading, In-house project, paused): An in-house project, built and tested. Not live for a client today. ## The things people ask before they call. **Does it replace Mercury, MyCRM or Xplan?** No. A broker's client record, fact find and loan stay in the aggregator's CRM, and an adviser's client file stays in Xplan or their advice software. We build the lead capture, the document portal, the statement reading and the follow-ups around them. **Can clients upload documents securely?** Yes. Each client uploads through their own portal, not by text. The document portal is built and tested in Crux Practice, not yet live for a client. **Does the AI read bank statements?** Yes. It reads bank statements and tax returns and files each one, and a person checks it. That is built and tested in Crux Practice, not yet live for a client. **Can referral partners see their leads?** Not yet. A referrer portal showing where each referred client is up to is the next module, on the same portal clients use. ## Show us one loan file, from the fact find to settlement. [See the full system](https://cruxlabs.com.au/services/business-operating-system) · [All our work](https://cruxlabs.com.au/case-studies) · [All industries](https://cruxlabs.com.au/industries#money-and-advice) · [Take the Scorecard](https://cruxlabs.com.au/tools/ai-opportunity-scorecard) · [Book a call](https://cruxlabs.com.au/contact)