The product
Appetite starts with the question every commercial deal starts with, and then keeps going until the deal is settled and the commission is banked.
One
You describe the deal the way you would say it to a BDM. Amount, purpose, security, the entity, how long they have traded, what is unusual about it. No form with forty fields.
Appetite reads that against every lender's published policy and comes back in about 90 seconds with a ranked set of lenders. For each one: whether their policy will write it, which published thresholds the deal clears, which ones it flags, and the rate band. Every line cites the published document it came from, so you can check the reasoning instead of trusting it.
The ranking answers the question a broker actually has. Not who is cheapest, which you could guess, but who will say yes. A lender whose policy refuses the deal is not cheap, it is unavailable, so appetite ranks above price and price breaks the ties inside it.
Two
Send one link. The client opens it in a browser, sees a checklist that was built from their actual deal rather than a generic list, and uploads. No account, no password, no app, no portal tour.
You see what has landed and what is still missing, and the link stops working when you say so. Nothing in it carries your client's name, because the link is a token rather than an identity.
Three
A Word document, on your letterhead, written for one lender exactly. It carries the deal, the structure and the reasoning that suits that lender, and it names no other lender anywhere, because the last thing a credit manager should read is who else you asked.
It is editable, because it is your submission and you will want the last word on it.
Four
Your engagement letter, signed in the browser, with executed copies to both parties. What Appetite keeps is a hash and a timestamp: proof the document was signed and that it has not changed since, without holding the signer's details at all.
Five
Upfronts, trail and clawbacks, against the deal that earned them. The book you are owed becomes a number instead of a feeling, and a clawback subtracts rather than hides.
Six
Every facility you place carries its review or expiry date. The rail shows the next 120 days, and a reminder goes out about 90 days ahead, which is the point at which a refinance conversation is still yours to have rather than someone else's.
This is the part that pays for the subscription on its own, because the deal you already wrote is the cheapest deal you will ever write again.
Seven
ICR, DSCR, debt service on principal and interest or interest only, maximum loan under lease doc, and a development feasibility. They compute in the page and send nothing anywhere, which means you can put a real client's numbers in them without thinking twice.
Eight
One line per client need: what you called it, your own reference, roughly how much, where it is up to, and what each lender did with it. Alongside it, the accountants and brokers who send you work, and precise control over how much of a file each of them can watch.
September 2026
Appetite holds no client identity. That is deliberate and it is enforced in the code: there is no field anywhere in the platform for a client's name, and the engine has never needed one. It is why your book cannot leak from here.
A CRM is the opposite by definition, so it arrives as a separate room rather than as a feature. Contacts, accounts, the full fact find, applications by lender, and the client record itself live in the CRM package on its own database. The two rooms connect one way: you push a deal from Appetite into the CRM, carrying the reference, the requirement, the lender shortlist, the commissions and the review dates. Nothing flows back, and Appetite never learns who the client is.
It is in build now and arrives in September 2026, included in the subscription at no additional cost, for every tier. Using it is optional: a broker who already has a CRM they like should not be made to take a second one.