PAiD for Finance Brokers
You refer the client; we do the work. Lender-ready financials pulled straight from their file, reconciled and modelled for the deal — back in your hands in as little as 48 hours, not the days or weeks you'd wait on their accountant.
Every day you wait on the accountant, the deal cools.
The deal isn't lost on price — it's lost on the speed and quality of the financial pack you can put in front of the lender.
“Two weeks for a current P&L”
The accountant is buried. The numbers the lender wants are stuck in someone else's queue, and the deal cools while you wait.
“The numbers don't tie out”
BAS, Xero and the bank statements all disagree. Hours of manual rework before every submission — and the lender still picks holes in diligence.
“Lender wants a 3-way forecast by Friday”
P&L, balance sheet and cashflow, integrated, with scenario flex. No broker has time to build that by hand.
“Self-employed client — spend looks personal”
Sole traders and owner-operators run personal and business through one file. Mis-classified spend blows up serviceability.
The deal isn't lost on price — it's lost on the speed and quality of the financial pack. PAiD changes that.
An AI platform with a private database at its core.
The client's accounting file goes in on one side; the broker's deliverables come out the other — every number traceable to the source transaction.
- Xero / QuickBooks / MYOB sync
- Books reconciliation to source
- ABN · GST · ABR verification
- Business vs personal classification
- Bank-statement ingestion (if no clean books)
- 3-way cashflow forecast (P&L · BS · Cashflow, integrated)
- ATO Payment Plan capacity test
- Lender-ready financial pack
- Scenario modelling (new contract, refinance, what-if)
- Fraud & leakage flags
One platform, one private database per client. The client's file in, the lender's pack out.
The same work — in days, not weeks.
Every line below is the same workstream you already do for a deal. PAiD just does it faster, cheaper, and tied back to the source.
The bottleneck isn't the lender. It's the time it takes to assemble the pack — that's exactly what PAiD compresses.
Meet Your
Financial Accounting Navigator
Your FAN is not a chatbot. Not a dashboard. Not software you have to learn. They're a real, qualified, trained human operator who runs PAiD on your behalf and delivers finished outputs in your format.
Your FAN isn't here to teach you how to use PAiD. They're here to teach PAiD how to be used by you. Your lender templates, your serviceability rules, your client cadence. You change nothing.
Included at no extra cost
On-site, phone or Teams — however your firm works, your FAN is your fully trained operator.
Operational from day one
No menus, no logins, no software to learn. The broker asks; the FAN drives.
Learns your practice
Your lender pack format, serviceability templates and classification rules — configured around your standards.
Directs the AI for you
You direct the deal. Your FAN brings back the lender-ready pack.
Connect the file. We do the heavy lifting. You stay on the deal.
Give us access
Xero, QuickBooks or MYOB. Bank statements if the books are messy — whatever exists.
PAiD processes
Reconciles to source, classifies spend, builds the 3-way cashflow.
We sit down with you
Walk the early findings, set the deal scenarios, agree the lender story.
You walk in ready
Lender-ready pack, 3-way forecast, source-tied evidence.
The client relationship stays with you. We sit behind the broker, not in front of the client.
A wholesale bakery in trouble — refinanced in two days.
A broker brought us a wholesale bakery under serious financial duress, trapped in high-interest unsecured business loans. The deal was a refinance. The lender wanted to see whether a new wholesale contract under negotiation would actually service the debt.
Day 0 — the bind
Wholesale bakery under serious financial duress. Trapped in high-interest unsecured business loans. A new wholesale contract on the table might generate enough cashflow to refinance out. Broker needed an answer the lender would believe — fast.
Day 1 — Xero connected, file cleaned
Full ledger pulled, reconciled to source, business-vs-personal classified across the owner's mixed transactions, and anomalies and fraud-pattern leakage flagged. By end of day 1, a clean, defensible financial baseline.
Day 2 — 3-way cashflow built, scenarios run
Integrated 3-way cashflow forecast modelled the new contract. Multiple scenarios run live on volume, margin and ramp-up timing.
The honest answer
Refinance achievable on paper — but only if forecast volumes held. PAiD also showed those volumes looked unrealistic against historical run-rate. The broker walked into the lender pitch with both the achievable model and the volume risk laid bare.
From “we have no idea if this is doable” to a defensible, source-tied refinance model — in two days from connecting the Xero file.
Why lenders — and their credit teams — can rely on the pack.
Reconciled to source
Every figure ties back to a Xero / QBO / MYOB entry or a bank-statement line. Nothing retyped from a spreadsheet.
Each client fully isolated
Every client runs in its own dedicated database. No co-mingling across files, no cross-client queries.
No model training on client data
Files come in for analysis; the pack comes out. The technology isn't learning from your deals.
Lender-ready format
Delivered in the format credit teams already use. Built to land in the credit committee, not just the BDM's inbox.
The controls in place from the moment we connect.
Australian data residency
Sydney region. AES-256 at rest, TLS 1.2+ in transit. Daily backups with point-in-time recovery.
Secure intake, never email
Documents arrive via secure file transfer. Parsed server-side into a private bucket with signed, time-limited access only.
Human in the loop
Every material action requires explicit broker confirmation. The AI cannot send email, post externally, or write back to source files.
Named accountability
Named operator, named DPA per client. Data retained until broker sign-off, then securely purged with written attestation.
Pick a live deal. Pack in your hands the same week.
A current or upcoming client where the financial pack is slowing you down. Give us access to Xero, QuickBooks or MYOB (bank statements work too) — and one hour to walk the findings and set the lender story.
Process AI · processai.com.au · PAiD — Process AI Intelligent Database