Get SME & Commercial deals to decision faster.
CitoPlus connects your broker channel to a structured digital workflow, so every submission that arrives is validated, policy-checked, and credit-ready.
Trusted across the Australian lending ecosystem
The problem
Why deals slow down
Broker-originated SME & Commercial lending is growing but slow to process.
Legacy workflows create delays, rework, and risk. Inconsistent submissions land on credit desks needing rework before they can even be assessed, burning hours per deal and capping how many your team can move through.
3×
longer decision cycles
When applications arrive incomplete or unstructured, every downstream team pays the cost.
Inconsistent submissions
Every broker, every format. Damaging early assessment.
Manual processing
Operations staffed just for data entry and validation.
Email-based sharing
Sensitive documents in attachment chains. Audit headaches.
High cost per deal
Rework, follow-ups, and friction inflate processing cost.
Lenders prescribe the broker digital submission experience in CitoPlus to accelerate decisioning.
See how it worksThe value
Why lenders adopt it
Faster, leaner, safer without trade-offs.
V 01 / SPEED
Get deals to decision faster.
Structured, complete applications ready for credit on day one. No rework loops, no chasing brokers for the missing field.
- Faster deal intake and triage
- Less back-and-forth with brokers
- Shorter time to approval
“Faster access to finance, less back and forth.”
Westpac
- Smart document prefill (bank statements, financials, IDs)
- Lender-ready application in under five minutes
- Faster submission across your entire lender panel
V 02 / COST
Lower cost through faster processing.
Cleaner, complete and accurate submissions reduce manual work and processing overhead. Every saved touch is margin back.
- Less rework
- Reduced manual handling
- Lower cost per deal
V 03 / DECISION QUALITY
Faster decisions and reducing risk.
High-quality, structured data lets credit teams move quickly with confidence.
- Complete, consistent submissions
- Fewer errors and gaps
- Reduced fraud risk via systemic controls
V 04 / SECURITY
ISO 27001Move fast without compromising security.
Secure, centralised workflows replace email-based document sharing. Purpose-built for the way regulated lenders need to work.
- ISO 27001 certified
- Secure application handling end-to-end
- Centralised tracking and visibility
- Audit-ready workflows by default
Partners
Built with industry
Built by working with leading lenders.
L 01
ANZ
Digital submission, pilot
L 02
NAB
Digital submission, pilot
L 03
Westpac
Digital submission, pilot
L 04
Judo Bank
Digital submission
L 05
ING
Digital submission
L 06
Thinktank
Digital submission
L 07
Pallas Capital
Digital submission
L 08
Assuro
Digital submission
L 09
TP24
Digital submission
L 10 +
Prospa + more
An expanding ecosystem of digital-submission lenders.
How it works
Three steps
A single, structured path from broker to credit desk.
01
Brokers submit via CitoPlus
Your prescribed submission experience captured at source, structured from the start.
02
Data is structured & validated
Documents extracted, fields verified, completeness checked before it ever reaches your queue.
03
Lenders receive decision-ready applications
Clean, complete, consistent, ready for credit. Faster.
Get started
Modernise how you work with the broker channel.
Talk to our team about a CitoPlus lender integration.
Get in touch