Apply to be a founding member

Your loan book is a
billion-dollar asset.
Are you managing it like one?

Most broking businesses manage their trail with spreadsheets and PDFs. VALUTTEN gives you the visibility to protect, grow, and value your most important asset.

3-minute assessment · No credit card required

app.valutten.com
Company Dashboard Company-wide commission overview
Who To Call
Trail drop-offs
127 alerts $94K/yr at risk 4.8% Mar 2025 – Feb 2026
Time Period
3M6MYTD1Y2Y5YALL
Mar 2025 – Feb 2026
ChartsTable
Upfront Commission
$1.84M
↓ 5.2% vs last year
For selected period · vs prior year
Trail Commission
$1.32M
↑ 11.4% vs last year
For selected period · vs prior year
Total Commission
$3.16M
↑ 3.8% vs last year
For selected period · vs prior year
Loan Book
$1.94B
↑ 22.1% vs last year
For selected period · Current snapshot
Loans Settled
$284M
↓ 6.3% vs last year
For selected period · vs prior year
Line of Trail
2,847
↑ 9.6% vs last year
For selected period · Current snapshot
Upfront Commission
MarJunSepDec
Trail Commission
MarJunSepDec
The Platform Behind Your Loan Book

Replaces the spreadsheets, PDFs, and
manual reconciliation your business runs on

VALUTTEN connects your aggregator data, tracks every commission at the loan level, and gives your leadership team the visibility to make decisions that protect and grow revenue.

Loan-level visibility
Every trail payment, every lender, every broker. Reconciled at the individual loan level across your entire operation.
Multi-office, multi-aggregator
Built for broking businesses with complexity. Multiple offices, aggregator relationships, and hierarchies in one view.
Purpose-built for Australia
Australian lenders, Australian aggregators, Australian compliance requirements. Not adapted from a US product.
Company Dashboard

Every office. Every broker.
One view.

Your leadership team sees the entire operation in a single dashboard. Loan book value, trail income, commission trends, and broker performance across every office. Charts view for trends. Table view for the full breakdown by year, month, office, and aggregator.

  • Loan book value and commission tracking across all offices
  • Broker-level attribution and performance comparison
  • Charts and Table views with full hierarchical drill-down
  • Real-time alerts when revenue is at risk
Loan Book
$1.94B
Annual Trail
$1.32M
Total Commission
$3.16M
Period Breakdown
ChartsTable
PeriodUpfrontTrailTotalLoan BookLOT
▿ 2026$294K$310K$604K
▹ Feb$17K$34K$51K$1.97B829
▹ Jan$277K$277K$554K$1.94B2,847
▿ 2025$1.84M$1.32M$3.16M
▿ Dec$195K$278K$473K$1.86B2,741
Melbourne$140K$208K$348K$1.58B2,312
Sydney$41K$61K$102K$360M418
Trail Health

Know what your trail book is
really doing

Spreadsheets tell you what was paid. VALUTTEN tells you what changed and why. See retention versus acquisition. Spot seasonal patterns. Understand whether your business is growing clients or just replacing them.

  • Automated alerts when trail payments decrease or stop
  • Retention vs acquisition analysis by office and broker
  • Seasonal pattern detection across your loan book
  • Colour-coded severity: urgent, churned, warning, new trail
Current Drops
8
Confirmed Churn
14
Significant Drops
6
2nd Year Starts
11
Monthly Alert Trend
AlertCustomerBrokerCurrentPriorVar
UrgentM. ThompsonD. Smith$0$420-100%
ChurnedS. PatelJ. Brown$0$380-100%
WarningJ. WilliamsD. Smith$185$400-54%
2yr StartR. ChenA. Lee$340$0New
Revenue Protection

Act on trail drop-offs before
they compound

Every month you do not act on trail drop-offs, the loss compounds. VALUTTEN prioritises every at-risk client by dollar impact and assigns broker accountability. Your team knows exactly who to call, why, and what is at stake.

  • Prioritised by monthly dollar impact to your business
  • Client name, lender, and broker attribution in one view
  • Prior versus current trail comparison
  • Office-level roll-up for leadership reporting
Who To Call
Trail drop-offs
127 alerts$94K/yr at risk4.8%
Urgent
J. Mitchell / S. Hughes · Teachers Mutual BankBroker: Nicholas D. · 1752180
-$91.50/mo
Trail went to $0
Urgent
ANDERSON PROPERTY TR · Peoples Choice CUBroker: Damien R. · 1830541
-$77.04/mo
Trail went to $0
Urgent
Heritage Trust ATF J. Clarke · Unknown LenderBroker: Damien R. · LAI-00002357
-$75.17/mo
Trail went to $0
Urgent
C. Thompson / R. Thompson · Commonwealth BankBroker: Apostolos L. · 1751929
-$73.62/mo
Trail went to $0
Urgent
M. Sullivan · NABBroker: Damien R. · 1803724
-$65.49/mo
Trail went to $0
22 urgent1 churned231 warnings
View All 127 →
Trail Book Valuation

What is your trail book actually worth?

The market values trail books at 2x to 6x annual trail income. The difference between a 2x and 6x multiple comes down to three things: visibility, retention, and proof.

Annual trail
$1.3M
Recurring trail income
Conservative (2x)
$2.6M
Limited visibility, high churn
Premium (6x)
$7.8M
Full visibility, proven retention
Who This Is For

Built for the people who run broking businesses.

Not the people who just work in them.

Managing Directors
Full visibility across every office and every broker in your operation.
Principals
Know which brokers are growing your business and which ones are costing you.
CEOs & Founders
Trail book valuation, acquisition analysis, and the data to make strategic decisions.
Operations Leaders
Eliminate manual reconciliation. Automate the reporting your team spends hours on.
Free Assessment

How exposed is your loan book?

Seven questions. Three minutes. See where your loan book is exposed and what it is costing your business.

3 minutes100% confidentialInstant results
Take the Assessment
Question 1 of 7
How many offices does your broking business operate?
Single office
2 – 3 offices
4 – 10 offices
10+ offices / multi-entity
19 of 20 founding spots remaining

Help us build what has
been missing

Twenty broking businesses will shape how loan book management works in Australia. Your feedback drives the product. Your business gets the advantage.

Onboarding fee waived

For 12 month commitment

White-glove onboarding

Operational within 48 hours

Direct founder access

Priority support from day one

Shape the roadmap

Your feedback drives development

Apply as Founding Member
Australian-OwnedData Hosted in SydneyGCP InfrastructureBank-Level Encryption7-Year Audit Trail

Frequently asked questions

VALUTTEN tracks every commission your broking business earns — upfront, trail, and clawbacks — across all your lenders and aggregators. It reconciles payments at the loan level, detects trail drop-offs, and gives your leadership team the visibility to protect and grow revenue. Purpose-built for Australian broking businesses.

Aggregator portals show you what was paid. VALUTTEN shows you what changed and why. It tracks retention versus acquisition, detects trail drop-offs across all your aggregator relationships in one view, attributes performance to individual brokers, and provides trail book valuation data. Different problem, different platform.

10+ major Australian lenders including CBA, Westpac, NAB, ANZ, and Macquarie. We work with any aggregator — Connective, AFG, PLAN, Finsure, Loan Market, and more. Multiple aggregator relationships are supported for multi-entity operations.

Google Cloud Platform, Sydney region (australia-southeast1). AES-256 encryption at rest, TLS 1.3 in transit. Your data never leaves Australian infrastructure. Full 7-year audit trail for compliance requirements.

Founding members receive white-glove onboarding. We handle data migration from your existing systems, configure your lender integrations, and set up your office hierarchies. Enterprise clients are typically operational within 48 hours.

19 of 20 spots remaining

Ready to see what your loan book is really doing?

Take the 3-minute assessment and we will schedule a personalised walkthrough within 48 hours.

Assess Your Loan Book

Free assessment. No commitment required.