The broker portal your distribution actually wants to use.
In bridging, development, asset finance, specialist consumer and BTL — the broker is your distribution. And most broker portals are DOS-era. We build the broker portal that packages cases, returns DIPs in minutes, tracks commission and quietly scores every introducer for quality.
Why bad broker portals cost more than bad broker terms.
In broker-led lending — bridging, development, asset finance, specialist consumer, BTL — the broker chooses where to place the case. Rate matters, but not as much as brokers-say-yes-back-to-broker time. The lender that returns a Decision-In-Principle in 12 minutes with a full evidence trail wins the case that the lender who took 3 hours would have won on rate alone. Most lender broker portals look like a 2010 SaaS demo and are the biggest single reason mid-market brokers stop packaging cases to a lender.
The lenders that have shipped modern broker portals in the last three years have moved distribution share materially. It is not a marketing exercise. It is an engineering exercise combined with a compliance envelope that lets a broker upload once and see the case progress in real time, with a sub-broker scoring loop that quietly improves book quality over time.
What good broker portals look like in 2026.
A modern surface plus a quiet intelligence layer. It should produce:
- Case packaging where the broker uploads once and the AI extracts, orders and validates every document.
- Decision-in-Principle in minutes, with reasoning the broker can read and share.
- Real-time case-progress visibility — no more 'where is my case' calls.
- Commission tracking and automated payment against agreed schedules.
- Sub-broker (packager, sub-IB, appointed rep) scoring for quality of introduced business — feeding back into differential pricing or capacity allocation.
- Fraud detection across introducer networks — coordinated case patterns, unusual sub-broker behaviour, first-party fraud rings that span brokers.
What KJ Capital ships.
A bespoke broker portal built above your LMS, your credit brain and your origination flow. We deliver:
- A production broker portal in your cloud tenancy — full source, no per-broker SaaS fee.
- Case packaging with document extraction and validation.
- DIP generation with reasoning, delivered in minutes on clean cases.
- Commission tracking and payment orchestration.
- A sub-broker scoring model, trained on your book, feeding differential pricing or capacity where relevant.
- Introducer-network fraud detection tied into the fraud brain.
What lenders actually see after go-live.
What buyers ask us about this build.
Q01Do you integrate with our existing case-management system?+
Q02How does the sub-broker scoring stay commercially and legally clean?+
Q03Can we support multiple brands?+
Q04How does the fraud detection work across brokers?+
Q05Price?+
What lenders ship alongside this one.
Application & origination
Every abandoned application is an acquisition cost wasted. We build AI-native application flows that pull open-banking, run KYC/KYB across Sumsub/Onfido, extract documents automatically, decision in seconds and hand a fully-packaged case to your underwriter or straight to drawdown.
Fraud & first-party risk
Every basis point of undetected fraud is a basis point of loan pricing your good borrowers subsidise. We build fraud brains that combine identity, device, graph, behavioural and post-drawdown signals into a single defence — for consumer lenders, SME lenders, bridging shops and BNPL alike.
Borrower portals & self-service
iwoca wins because you can log in, see everything, act on it, and never call. Most lenders can't. We build modern AI-first borrower portals — statements, redraw, settlement quotes, doc vault, mid-term changes, complaints — with a support copilot that answers 80% of tickets before they reach a human.