Aggregator
A broker group or network that provides shared infrastructure, compliance oversight, and lender access to member brokers, typically across multiple independent brokerages.
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Commercial finance software terms, defined in one place.
Short, citable definitions for the commercial finance and broker software terms used across Financial Edge AX resources: lender-fit, structured credit intelligence, deterministic policy logic, WALE, LVR, and more.
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Each definition links through to the full guide where the concept is explained in context.
AggregatorBroker Workflow AutomationCommercial Finance Broker SoftwareCredit Memo BuilderCredit TeamDeal PipelineDeal WorkspaceDeterministic Policy LogicDocument IntelligenceEligibility CheckerEmbedded FinanceGRV (Gross Realisation Value)Lender DecisioningLender-FitLoan Origination SoftwareLow-DocLTC (Loan-to-Cost)LVR (Loan-to-Value Ratio)Non-Bank LenderPass / Review / FailServicingStructured Credit IntelligenceSubmission PackWALE (Weighted Average Lease Expiry)
Broker Workflow Automation
Software support for the work around a commercial finance file: capture, document readiness, lender-fit review, and pack drafting. Distinct from lender decisioning, which remains the lender's own credit process.
Read the full guideCommercial Finance Broker Software
Software built specifically for commercial lending workflow: capturing deal facts once, checking documents, comparing lender-fit signals, and preparing submission packs. Distinct from a general sales CRM or a lender's own loan origination system.
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A feature that drafts broker-readable summaries, credit-note material, and lender-pack content from structured, reviewed deal data, rather than starting from a blank document.
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The internal team responsible for verifying, assessing, and approving commercial finance files on the lender side, typically working from a broker-submitted pack.
Read the full guideDeal Pipeline
A tracked view of deal status, task ownership, missing items, review stages, and lender movement across a commercial finance file, kept visible to everyone with a role in it.
Read the full guideDeal Workspace
The single structured record holding borrower, security, purpose, and servicing facts for one commercial finance scenario, carried through intake, review, and pack preparation without rekeying.
Read the full guideDeterministic Policy Logic
Rule-based logic, such as eligibility gates, ratio calculations, and policy exclusions, that must follow known rules rather than free-form AI generation, so the same inputs always produce the same result.
Read the full guideDocument Intelligence
Software that classifies uploaded documents, extracts key facts, and flags missing or inconsistent evidence in a commercial finance file, turning document volume into reviewed evidence.
Read the full guideEligibility Checker
A tool that runs an early, indicative Pass, Review, or Fail check against known policy criteria before a full application, helping prioritise scenarios worth progressing.
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Placing a finance readiness prompt inside a non-finance platform's own product, such as a construction or property tool, without the platform becoming a lender or broker itself.
Read the full guideGRV (Gross Realisation Value)
The total expected sale value of a completed development project, used alongside cost and lending metrics in development finance feasibility and exit analysis.
Read the full guideLender Decisioning
The lender's own credit assessment process: approving, declining, conditioning, or pricing a facility. Broker workflow automation can prepare a file but does not make this decision.
Read the full guideLender-Fit
How closely a commercial finance scenario aligns with a specific lender's policy, appetite, and product settings, based on facts such as purpose, security, leverage, and available evidence.
Read the full guideLoan Origination Software
On the broker side, software that structures intake, tracks document readiness, and prepares submission packs. Distinct from a lender's internal loan origination system, which governs that lender's own policy and approval workflow.
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A lending pathway that requires reduced income documentation compared to a fully-verified application, typically assessed against alternative evidence of servicing capacity.
LTC (Loan-to-Cost)
The loan amount expressed as a percentage of a development project's total cost, used in construction and development finance feasibility alongside GRV and presales cover.
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The loan amount expressed as a percentage of the security property's value, one of the core inputs into a lender-fit review for property-backed commercial finance.
Non-Bank Lender
A lender that provides commercial finance outside the traditional banking system, often with different servicing evidence requirements, turnaround times, and risk appetite than a bank.
Read the full guidePass / Review / Fail
Indicative eligibility signals returned by an eligibility check. Pass means a scenario appears to fit known criteria, Review means more evidence or judgement is needed, and Fail means it does not currently fit. None of the three is a lender approval or decline.
Read the full guideServicing
A borrower's demonstrated capacity to meet loan repayments from income, assessed through calculations and supporting evidence such as bank statements, leases, or tax records.
Structured Credit Intelligence
The organised record of facts, documents, assumptions, risks, lender-fit signals, and outcomes attached to a commercial finance scenario, kept reusable and reviewable across the workflow instead of scattered across emails and spreadsheets.
Read the full guideSubmission Pack
The assembled borrower, security, servicing, and document evidence sent to a lender to assess a commercial finance file, ideally drawn from an already-reviewed deal record rather than compiled fresh.
Read the full guideWALE (Weighted Average Lease Expiry)
The average remaining lease term across a commercial property's tenancies, weighted by income, used to assess income security when a property is offered as loan security.
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Each definition here is a summary. The linked resource guides explain the reasoning, boundaries, and workflow behind each concept.