For Australian commercial and asset finance brokers
Describe the deal the way you would say it out loud. Appetite reads it against every lender's published policy and comes back with who will write it, what stops the ones who will not, and how the structure holds together.
Then it runs the rest of the file: the documents, the submission, the signatures, the commissions and the reviews. One platform instead of six subscriptions.
No account needed to try it. Nothing you type is stored against a client.
The problem
Every commercial broker carries a private map of who is writing what this month. It is built from BDM calls, a decline you still remember, and the two lenders you always try first. It is also incomplete by construction, because no one can hold 190 lenders in their head, and it is out of date the moment a lender moves a floor or pulls a product.
The cost is not abstract. It is the deal you placed at nine percent that a lender four names down the list would have written at seven. It is the week you lost on a file that was never going to fly for a reason published on page eleven of a policy guide.
What you already pay for
Most broking practices are carrying some version of this stack, and none of it knows anything about lender policy.
$349 a month plus GST, which is $383.90 including GST. No setup fee, no lock-in, no per-deal charge.
The platform
The placement answer is the reason brokers come. The rest is the reason they stay.
A plain-English scenario in, a ranked set of lenders out, each with the published policy that put it there and the gates it clears or flags.
Send one link. The checklist builds itself from the deal, and the client uploads without an account, a password or an app.
An editable Word document on your letterhead, written for one lender exactly, with nothing in it that names a competitor.
Every facility you place carries its review date. The rail shows the next 120 days and the reminder goes out about 90 days ahead.
Your engagement letter, signed in the browser, executed copies to both parties. The record kept is a hash and a timestamp, never the client's details.
Upfronts, trail and clawbacks against the deal that earned them, so the book you are owed is a number rather than a feeling.
ICR, DSCR, debt service, lease doc maximum, feasibility. They compute in the page and send nothing anywhere.
One line per client need, what each lender did with it, and what is waiting on you this week.
Accountants and brokers who send you work, and exactly how much of the file each of them can see.
Contacts, accounts, the full fact find and applications by lender. Included in the subscription, in its own walled room so the placement engine never learns who your client is.
Where the answers come from
Appetite is built on every lender's published policy, refined across fifteen years on every side of SME finance. Every recommendation cites the published document behind it, so you can check the reasoning rather than trust it.
No lender pays to be in the results. There is no placement fee, no priority tier and no advertising, and there is no arrangement under which any of those could be bought. The ranking reads published policy and price. It does not know whether a lender talks to us.
Early access
The earlier you are, the less you pay, and the rate you land on is the rate you keep for as long as you stay subscribed, through every future increase.
Only the founding 25 get a free period, and they are asked for something in return: real use, at least three days a week, and blunt feedback about what is wrong with it. That is a partnership rather than a discount. No card to start, and nothing charges automatically when the 90 days end.
Seats 26 to 50 get the lower rate rather than a trial, because the demo already lets anyone run a real deal end to end without an account or a card.
Questions
Neither. Appetite is software you subscribe to. It does not take a share of your commission, it does not receive your deals, and it never introduces your client to anyone. Your clients are yours and they stay invisible to us by design.
No, and they cannot. The recommendation is built from published policy and price. Whether a lender has a representative on the platform is not an input to it, and that is enforced in the code rather than promised in a paragraph.
It never arrives. Scenarios are described in deal terms, not client terms, and there is no field anywhere in the platform for a client's name. The document portal works on a tokenised link, and the signing ceremony keeps a hash and a timestamp rather than the signer's details.
Every lender's published pages are watched for change, and a lender whose record was confirmed in the last 30 days shows as verified. Where a lender's own representative maintains their record, that goes through the same review as any other source and has to cite the published document it comes from.
Appetite covers commercial and asset finance, which is where the policy complexity and the placement difficulty live. Residential is well served by tools that already exist.
Cancel any time, and your data comes with you. There is no contract term and no exit fee.
Bring a file you are working on now. It takes about 90 seconds and needs no account.