Everything You Need to
Protect Your Trail Book
From portfolio analysis to client engagement, pipeline management to brokerage oversight — TrailGuard is the complete trail book protection platform.
Analysis & Intelligence
Trail Book Health Check
Complete portfolio diagnostic showing total clients, review opportunities, risk indicators, trigger breakdown, and estimated savings and revenue potential.
Opportunity Detection
Automatically surface clients who should review their loan based on rate gaps, loan age, fixed expiry dates, and review history.
Borrower Savings Estimates
Calculate potential annual savings for each borrower based on the gap between their current rate and the market benchmark. Displayed with appropriate disclaimers.
Broker Revenue Estimates
Estimate upfront and trail commission revenue opportunities from each potential refinance based on configurable commission rates.
Morning Revenue Radar
Your daily command centre showing high-priority opportunities, clients to call, unread replies, upcoming meetings, new referrals, and risk alerts.
Engagement Memory
Track engagement history over time — frequency, recency, reply patterns, and lifecycle signals. Build a persistent picture of each client relationship.
AI-Powered Engagement
AI Reply Classification
Incoming client replies are automatically classified by AI into six intent categories: interested, not now, stop, question, already refinanced, or unclear — so you always know what to do next.
AI-Triggered Automation
Each AI classification triggers the right action automatically: 'interested' sends a booking link, 'not now' snoozes the opportunity, 'stop' opts out, and 'already refinanced' marks as lost.
AI SMS Campaigns
Build and send personalised SMS campaigns to client segments. AI helps classify every response so you can focus on the clients who are ready to act.
Manual Calling Workflow
Prefer to call? Work through your priority queue one client at a time. Log notes, update stages, and track outcomes — with AI classification still handling any SMS replies.
Compliance Engine
AI-powered compliance checks flag or block broker revenue mentions in borrower-facing messages, ensuring your outreach stays client-focused and compliant.
Conversation Threading
All messages grouped by client with full history. AI classifications are displayed inline so you see intent at a glance before making your next move.
Campaign Builder
Select client segments by trigger type, priority, or custom filters. Choose message templates, personalise content, and send at scale with AI handling the responses.
WhatsApp Support
Coming soon — engage clients via WhatsApp with the same AI classification, tracking, and pipeline integration as SMS.
Workflow & Pipeline
10-Stage Pipeline
Track every opportunity from review due → contacted → replied → booked → retained (or lost). With snoozed and manually contacting states.
Booking Management
Send booking links (Calendly, Google Calendar), track scheduled meetings, record outcomes (retained, lost, follow-up), and log meeting notes.
Referral Capture
Track referrals generated from client review meetings. Pipeline from new → contacted → converted → lost with estimated amounts.
Snooze & Follow-Up
Snooze opportunities that aren't ready yet. Set a return date and they'll reappear in your morning radar when it's time.
CSV Import
Flexible CSV import with smart column mapping, auto-detection, validation, deduplication, and saved mapping presets for repeat uploads.
Market Configuration
Set your country, currency, benchmark rate, commission rates, and trigger thresholds. Everything adapts to your market context.
Brokerage & Team
Broker Management
Add brokers to your brokerage, assign clients, track individual performance, and manage team access.
Brokerage Dashboard
See brokerage-wide KPIs: total loan book, trail income, retention rate, broker performance comparison, and activity logs.
Role-Based Access
Four roles: Aggregator Admin, Brokerage Admin, Broker, and Assistant. Each with appropriate permissions and visibility.
Aggregator Dashboard
Network-level analytics for aggregators — monitor brokerages, engagement rates, trail book risk, and retention across the network.
Trail Commission Tracking
Aggregator Report Upload
Upload trail commission statements from your aggregator. Supports multiple report formats with smart column mapping and automatic parsing.
Commission Reconciliation
Automatically match aggregator payments against your client book. Detect missing payments, underpayments, overpayments, and new clients not in your records.
Variance Detection
Spot discrepancies between expected and actual trail commission. See variance trends over time and flag anomalies before they compound.
Lifetime Value Projections
Project the lifetime trail commission value of each client based on loan balance, rate, and expected loan tenure. Understand the true value of your book.
Commission Analytics
Track trail income trends month-over-month. Break down by lender, loan type, and broker. Understand where your income is growing or declining.
Reconciliation History
Full audit trail of every reconciliation run. Compare periods, track resolution of variances, and maintain compliance records.
Messaging Wallet & Usage
Pre-Paid Messaging Wallet
Fund your brokerage messaging wallet with pre-paid credits. SMS and WhatsApp messages are charged per-message from your wallet balance — email and manual calls are included free.
Auto Top-Up
Set a minimum balance threshold and auto top-up amount. When your wallet drops below the threshold, it's automatically topped up so your campaigns never stall.
Transaction History
Full ledger of every wallet transaction — top-ups, SMS debits, WhatsApp charges, and refunds. Filter by date, channel, and broker.
Usage Analytics
Track messaging spend by channel (SMS vs WhatsApp), by broker, by campaign, and by country. Understand your cost per contacted client and cost per retained client.
Market-Specific Pricing
Messaging costs vary by country and carrier. TrailGuard shows per-message cost estimates before you send, with configurable markup for brokerage billing.
Low Balance Alerts
Get notified when your wallet balance drops below your configured threshold. Never miss a campaign because of insufficient funds.
See It In Action
Real screens from the TrailGuard platform
Morning Revenue Radar
Monday, 31 March 2026 • Good morning, Alex
$42,800
47
12
3
| Client | Loan Balance | Potential Saving | Score | Priority | Actions |
|---|---|---|---|---|---|
| Sarah Mitchell | $680,000 | $4,200/yr | 92 | High | |
| James Cooper | $520,000 | $3,100/yr | 87 | High | |
| Emily Watson | $445,000 | $2,800/yr | 81 | Medium | |
| David Chen | $390,000 | $2,400/yr | 76 | Medium | |
| Lisa Park | $310,000 | $1,900/yr | 71 | Medium |
Trail Book Health Check
Total Clients
312
Review Opportunities
47
At-Risk Clients
23
Avg. Rate Gap
0.82%
Trigger Breakdown
Revenue Estimates
Borrower Savings Potential
$142,600/yr
Estimates only — based on rate gap analysis
Broker Revenue Opportunity
$89,400
Upfront + trail commission estimates
Upload Client Book
Drop your CSV file here
Or click to browse • Supports .csv files
| CSV Column | → | TrailGuard Field | Status |
|---|---|---|---|
| client_name | → | first_name | ✓ |
| email_address | → | ✓ | |
| loan_amt | → | loan_balance | ✓ |
| rate | → | interest_rate | ✓ |
| property | → | property_address | ✓ |
Brokerage Performance
Total Loan Book
$98.4M
Trail Income / yr
$147,600
Retention Rate
87%
| Broker | Clients | Opportunities | Retained | Revenue |
|---|---|---|---|---|
| Alex Thompson | 156 | 24 | 8 | $34,200 |
| Maria Santos | 98 | 18 | 6 | $28,100 |
| Jake Williams | 58 | 5 | 1 | $8,400 |