Business verification for Australian lenders, built into underwriting.
Every check with its evidence, cross-checked against the application, so your underwriter no longer works across separate registries and tools. A person decides.
- Australian registers
- Evidence captured for every check
- Hosted service, or in your environment
- A person approves
- Business registerVerified
- Company registerVerified
- OfficeholdersVerified
- AddressVerified
- Years in businessFlagged
- Web presenceModerate
What lenders tell us
The problems lenders and brokers describe most often, and what the platform does about each.
- A separate tool for every registryOne workflow runs the registers, web and address checks together.
- Red flags found lateChecks run at intake, so a mismatch shows before time is spent on the file.
- Evidence missing from the file at auditA time-stamped extract and the source of each check are kept with the file.
- Years in business taken on trustThe stated history is compared with the registration date.
- The same director behind several failed companiesRelated-entity searches show a director's other companies and earlier failures in the same trade.
Not a data lookup, not a document AI
Decisions you can defend.
Each check carries its evidence
A sample report for a fictional company. Each check shows what was found and where. A check that does not match the application is flagged for the underwriter. The business is recognised as one entity across the statements, the application and the registers, and every mismatch is listed for the underwriter.
- Business registerActive. Entity type matches the application. Verified.
- Company registerCompany status and registered office match. Verified.
- OfficeholdersDirectors match the application and the identity documents. Verified.
- IndustryClassification matches the stated industry and passes your exclusions. Verified.
- Years in businessThe application states a long trading history. The register shows a recent registration date. Flagged for review.
- Entity
- Footscray Tiling Pty Ltd
- ABN
- 12 345 678 901
- ACN
- 123 456 789
- Status
- Registered
- Registered
- DD Mon YYYY
- Captured
- DD Mon YYYY hh:mm
A staged set of checks
Every application gets a register match; files that reach credit review get the full set, each check captured with its evidence and date.
Underwriting KYB, data providers and manual research compared
| Underwriting KYB | Data providers | Manual research | |
|---|---|---|---|
| Register lookups | ABN and ASIC matched at intake, then a live extract captured for the file | Register data returned, often from a stored copy | Searched by hand, notes saved in a folder |
| Owner verification | Identity documents checked and cross-checked to the officeholders | Identity data only | Done separately, if at all |
| Web, address, industry and adverse media | Run in one pass and compared with the application | Some provided, as separate feeds | One tab per check |
| Checks against the credit file and the application | Every result compared with what the applicant stated | Not compared | Compared by memory |
| Related-entity networks | Directors' other companies, shared details and prior failed companies in the same trade | Not included | Rarely attempted |
| Output format | A decision-ready result, with evidence | Data to be read and interpreted | Notes |
| PPSR, court and insolvency searches | Run before approval, with the results in the file | Varies by provider | Separate searches, separate records |
Documents checked against each other
Documents are read into sourced fields and cross-checked against the application, with a flag, not a verdict, when something does not fit.
Watch a file go through
One fictional application, checked in order. Each line is a result with its evidence captured.
- Intake received
- ABN and ACN matched, registration date read
- Officeholders retrieved
- Address verified
- Web presence: moderate
- Sanctions and PEP: clear
- Related entities: other companies found, one deregistered
- Years trading: the application states a long history, the register shows a recent date. Flagged for review.
- Evidence captured to the file
- Ready for the underwriter
Questions about KYB
Which checks run?
Register, officeholder, document, address, web, risk and related-entity checks. You choose which run for each file.
Is a live register extract captured?
Yes. A time-stamped extract is stored with the file as audit evidence.
Is the owner verified as well as the business?
Yes, and the owner is cross-checked to the officeholders on the register.
How are trusts and partnerships handled?
They are checked against their own documents, with the people behind them identified.
Are related-entity networks checked?
Yes, so a director's other companies and shared details are visible before the file moves on.
Where do results show up?
In the underwriting memo, in your LOS or CRM, and through the API.
What you can buy
Start a pilot: KYB and business verification
Who it is for
Business lenders and brokers who verify an applicant before credit review. Credit operations and the people who own onboarding.
What you get
- A register match for every application, and a time-stamped live extract for files that reach credit review
- ABN and ACN, directors and owners, the address, related entities and the group behind the applicant, each check with its evidence, source and date
- The business recognised as one entity across the statements, the application and the registers, with every mismatch listed for the underwriter
- A person decides; nothing is declined by a check alone
- The pilot report: agreement with your current checks, and false positives at the same catch rate
Verification built for Australian business lending
Australian registers and Australian business structures, trusts and partnerships included, and the same business recognised across the statements, the application and the registers. Every check carries its evidence, so the memo, the committee and the auditor see the same facts.
How it arrives
A sandbox in your environment on a few of your own files while your privacy and security review runs, then the hosted service in Sydney: files in by upload or API, results back, nothing to install. Institutions whose policy requires it run it in their own environment.
The first step
A fixed-fee pilot on applications you have already decided, with success criteria agreed first, measured against the checks you run today. The winner is named even when it is not us.
Know who you are lending to. Evidence for every file.
Start with applications you have already decided.