How TrailGuard Works
From CSV upload to retained client in four simple steps. See value within 10 minutes of your first login.
Upload Your Client List
Import in under 2 minutes
Upload your client book as a CSV file. TrailGuard's smart column mapper automatically detects your fields — client name, loan balance, interest rate, lender, settlement date, and more. Review the mapping, fix any issues, and import with one click.
- Drag-and-drop CSV upload
- Automatic column detection and mapping
- Manual mapping override for custom columns
- Data validation and error highlighting
- Duplicate detection and merge
- Save mapping presets for future uploads
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 | ✓ |
Detect Loan Review Opportunities
Instant portfolio analysis
Once your client list is imported, TrailGuard analyses every client against current benchmark rates and configurable trigger thresholds. It identifies which clients have a rate gap, which loans are ageing, which fixed terms are expiring, and which clients haven't been reviewed recently.
- Rate gap analysis against your market benchmark
- Loan age detection (e.g., 3+ years)
- Fixed-rate expiry window alerts
- Review gap tracking (no review in 12+ months)
- Borrower savings potential estimates
- Broker revenue opportunity estimates (upfront + trail)
- Priority scoring and ranking
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
AI-Powered Client Engagement
Smart SMS campaigns with AI reply handling
Reach out to clients before they refinance elsewhere. Send personalised SMS campaigns or use the manual calling workflow. AI automatically classifies every reply — interested, not now, stop, question, already refinanced, or unclear — and triggers the right action: send a booking link, snooze, opt out, or surface to you for follow-up.
- AI intent classification on every client reply
- Automated actions: booking links, snooze, opt-out
- SMS campaign builder with templates
- Manual calling workflow with call notes
- AI compliance engine blocks revenue mentions in borrower messages
- Conversation threading with AI classifications inline
- Engagement memory tracking over time
- WhatsApp support (coming soon)
Conversations
Yes I'd love to review my loan, when are you free?
interestedNot right now, maybe in a few months
not nowI actually just refinanced with another broker
already refinancedBook Loan Review Meetings
Close the loop
Send booking links directly to interested clients. When a client books a review meeting, the opportunity automatically moves to 'booked' in your pipeline. After the meeting, record the outcome: retained, lost, or needs follow-up.
- One-click booking link send (Calendly, Google Calendar)
- Manual booking option for phone-booked meetings
- Automatic pipeline stage update on booking
- Outcome recording: retained, lost, follow-up
- Meeting notes and next steps
- Referral capture from review meetings
Opportunities Pipeline
23
Review Due
12
Contacted
8
Replied
5
Booked
3
Retained
Track Your Trail Commissions
Reconcile and protect your income
Upload your aggregator trail commission statements and TrailGuard automatically reconciles payments against your client book. Detect missing payments, underpayments, and variances before they compound — and project the lifetime value of your trail book.
- Aggregator commission report upload and parsing
- Automatic payment reconciliation against client book
- Missing payment and underpayment detection
- Variance tracking and trend analysis
- Commission analytics by lender and loan type
- Lifetime value projections per client
- Full reconciliation audit history
Trail Commission Reconciliation
Expected
$4,348.30
Received
$3,183.00
Variance
-$1,165.30
| Lender | Expected | Actual | Variance | Status |
|---|---|---|---|---|
| ANZ | $1,245.00 | $1,245.00 | $0.00 | matched |
| CBA | $892.50 | $847.20 | -$45.30 | underpaid |
| Westpac | $634.00 | $634.00 | $0.00 | matched |
| NAB | $1,120.00 | $0.00 | -$1,120.00 | missing |
| Macquarie | $456.80 | $456.80 | $0.00 | matched |