Enterprise DNA

Instead of Trail

Stop renting Trail. Own your mortgage broking system.

We build your version around how you track pipeline, chase commissions and manage refixes, bring your Trail data across, and run it for you. No plan tiers, and the system is yours.

Trail charges a custom per adviser licence fee on application, plus hourly fees for bespoke reporting and a fixed migration fee per practice.

Get your version built See it working
  • check_circleYour data in a database you own
  • check_circleOpen source, no lock-in
  • check_circleBuilt and run by Enterprise DNA

What you are paying for

Most of a Trail bill is the front end

The clients, the loans, the expiry dates and the file are yours. The screens around them are what you rent, and the price of the rent is a custom quote per adviser that you get after the demo.

paid

A licence for every adviser, priced on application

There is no price list. You book a demo, describe your business, and receive a custom quote, with the discount growing as the seat count does. The bill scales with your headcount either way.

dashboard

Reports billed by the hour

If the built-in reports do not answer your question, bespoke reporting is a paid service at an hourly rate, invoiced up front, with a developer queue of up to two weeks. Your own data, on a meter.

lock

Your client list behind admin access

Exporting the client list requires organisation admin access. An ordinary adviser seat cannot pull its own book out of the system that holds it.

build

A fee to arrive

Getting your data in is a migration project: a fixed fee per practice that grows with adviser count and CRM obscurity, and two to four weeks of waiting while it runs.

hub

A CRM welded to an aggregation deal

The adviser CRMs in this market come bundled with an aggregation relationship. The bundle feels free until you want to change one half of it and discover the other half is the exit fee.

schedule

Admin instead of advising

Keeping the pipeline tidy, chasing the commission statement line by line, remembering which fixed rates are coming up. That is work the tool tracks, not work it removes.

What you get instead

A broker system you talk to

The refix book

Every fixed expiry, and who has not been rung

Most NZ lending sits on short fixed terms, so the refix list is the retention business. One command shows every expiry with the last contact date and the clawback position beside it.

  • check Every fixed rate reaching expiry, soonest first, with the balance that rolls
  • check A LAPSED flag when a rate has already ended and the client is paying floating right now
  • check Last contact beside every expiry, because the rate ending in three weeks for a client last rung in July is a competitor's cashback offer
  • check A refix due inside a clawback window flagged as the dangerous kind: lose the client and the upfront goes back too

The pipeline

Deals as deadlines, not cards

A deal is a set of clocks: the finance clause, the pre-approval expiry, the settlement date. The pipeline reads them for you and names what dies this week.

  • check Finance clauses inside five days on deals the lender has not approved, first, every time
  • check Pre-approvals about to expire under a client who is still bidding
  • check Applications sitting quiet at a lender with nothing logged for ten days
  • check An application cannot be submitted for a client with no customer due diligence on file. The gate cites the AML/CFT Act.

The money

A commission ledger that argues back

Your lender terms live in the panel as data. Every settlement computes its expected upfront from them, and the statement gets reconciled against expectation, not against memory.

  • check Upfronts not received thirty days after drawdown, named and totalled
  • check Payments that arrived short against the schedule, called out to the dollar
  • check The trail book per year by lender, and the clawback exposure on every loan still in a window
  • check A discharge inside the window raises the clawback entry as it happens, with the reason recorded

Yours

Your database, your rule book, your name on the paperwork

Plain records you own, a compliance rule book with sources you can edit, and documents that come out with your logo on them.

  • check Import your Trail, Salestrekker or Mercury export in one command, dry run first
  • check Running the compliance check applies eight rules from the Acts and the Code against your records, each citing its source
  • check Generating your documents puts your brand on refix letters, review packs and settlement summaries
  • check Add a field, a rule or a whole command by describing it. MIT licence, no vendor to leave.

Make it yours

Design your own Trail replacement

Everything starts from the open-source base. Then it gets your name, the parts you run, your rules and your data from Trail. Try it here, and we build the real one.

2. What it runs

3. Make it fit

4. Your colour

Your business · your Trail replacement Your version
YB Your business

auto_awesome

Answered from your own database

Build my version

We build it from the open-source base, bring your Trail data across and run it for you.

What it looks like

Ask it like you would ask a colleague

Real answers from the demo data that ships with Mortgage Broking for Claude Code. It runs in Claude Code inside the Claude app, so it feels like any chat you already use.

forum

Mortgage Broking for Claude Code

Connected to your own database

Which client fixed rates are rolling over in the next 90 days?

The refix book, next 90 days (5 loans, $2,244,000)

1 FIXED RATE(S) HAVE ALREADY LAPSED. Those clients are paying the floating rate right now.

LN-2004

Client
Ana Fifita
Lender
BNZ
Balance
$364,000
Rate
5.85%
Fixed until
2026-09-12
Days
5 AGO
Adviser
Mere Kaawa
Last contact
2026-08-15 (33d)

LN-2005

Client
Rob & Tessa Nguyen
Lender
Westpac
Balance
$503,000
Rate
6.12%
Fixed until
2026-10-08
Days
21
Adviser
Rachel Ng
Last contact
2026-07-04 (75d)
Clawback
9mo left

LN-2007

Client
Cameron & Jess Ryder
Lender
ASB
Balance
$587,000
Rate
6.05%
Fixed until
2026-10-21
Days
34
Adviser
Daniel Field
Last contact
2026-09-09 (8d)
Clawback
5mo left

LN-2001

Client
Tom & Aria Whelan
Lender
ANZ
Balance
$461,000
Rate
5.99%
Fixed until
2026-11-03
Days
47
Adviser
Mere Kaawa
Last contact
2026-06-05 (104d)
Clawback
5mo left

LN-2008

Client
Sunita Kaur
Lender
Kiwibank
Balance
$329,000
Rate
6.19%
Fixed until
2026-11-11
Days
55
Adviser
Rachel Ng
Last contact
2026-08-07 (41d)
Clawback
9mo left

A refix inside a clawback window protects the upfront too.

Ask it anything

Questions Trail cannot answer

Every one of these is a real question the demo answers today. Yours will be different, and that is the point.

chat_bubble Which fixed rates expire in the next ninety days, what balance rolls with them, and which of those clients has nobody spoken to in a month?
chat_bubble Which loans are still inside their lender's clawback window AND have a refix inside it, so losing the client loses the upfront too?
chat_bubble Which upfront commissions were never paid, or arrived short against the schedule, and by how much per lender?
chat_bubble What is the trail book worth per year by lender, and what leaves if ten percent of it refinances?
chat_bubble Which lender eats the most days between submission and approval, and which one declines after eating them?
chat_bubble Which referral sources send the deals that actually settle, and at what average size?
chat_bubble How many days does each adviser's pipeline sit per stage, and whose applications go quiet?
chat_bubble Which settled deals are missing a record of advice or CDD, exactly the list an FMA monitoring visit asks for?
chat_bubble Which discharged loans left inside the clawback window, for what stated reason, and how much did each reason cost?
chat_bubble If an adviser left tomorrow, which clients, refixes in the next six months, live deals and reviews move with their book?

Switching

How to switch from Trail

The move itself is one export from Trail, one import command into the new database, and a stretch of running both systems together until you trust what came across.

  1. 1

    Export your contacts and loans

    In Trail, export your client contacts and your lending report. The client-list export needs organisation admin access, so do this while you still have it. Export whatever your account allows, usually CSV or Excel, and check the exact fields with Trail if you are not sure what is included.

  2. 2

    Run the import, dry run first

    From the new system, import your trail data using your exported clients, loans and deals, and do a test run first. That shows you what would come across, clients, loans, balances, rates and the fixed expiry dates the refix book runs on, before anything is written.

  3. 3

    Check what the import flagged

    Run the same import for real this time and it loads everything. Every imported client arrives with no CDD date and every imported deal with an empty advice file, on purpose, because the old file never proved otherwise. Run the compliance check and it lists exactly what to backfill before you rely on it.

  4. 4

    Run both side by side

    Keep Trail running while you work in the new system for a while. Log new calls, deals and settlements in both. This is how you catch anything that did not map cleanly, a field, a stage name, a commission term, before you are depending on the new record alone.

  5. 5

    Turn off Trail

    Once the pipeline, refix book and commission ledger in the new system match what you expect, and you have backfilled what the compliance check flagged, cancel Trail. Your data now sits in records you own, with no admin-gated export and no migration fee if you ever move again.

construction

Where the real effort goes

The real work is not the export or the import command, it is the same as any move: your stage names, your commission terms, your clawback windows, and how much history you bother bringing across versus starting clean from today. That mapping takes judgement about your own business. Enterprise DNA does this part directly when they install and run it for you.

Not ready for a call?

Get your Trail switch plan by email

We will send you the step-by-step plan for moving your business off Trail, what the move really involves, and how we would do it for you.

One email with your plan. No spam, and you can unsubscribe any time.

Two ways to run it

Run it yourself, or have it run for you

Open source

Run it yourself

Free

  1. 1 Clone the repo
  2. 2 npm run demo, then open the folder in Claude Code
  3. 3 Type /attention
  4. 4 Import your Trail export and point it at your own database
Get it on GitHub

Omni by Enterprise DNA

Have Enterprise DNA install it

One setup fee, then a monthly retainer

  • check We migrate your Trail clients, loan book, refix dates and pipeline
  • check We load your real aggregator commission schedule and clawback windows into the panel
  • check We write the commands and the compliance rules for the way your practice runs
  • check It runs inside Omni, our managed Command Center, with the rest of your business
Book a discovery call

Questions

Instead of Trail, answered

Is it really free? expand_more

Yes. MIT licence. Run it anywhere, change anything, no account with us, no migration fee in either direction.

Do I have to leave my aggregator? expand_more

No. This replaces the CRM record, not the aggregation relationship or the lodgement path. Applications keep going through the lender and aggregator channels they go through today. What changes is that the record of your business stops living inside someone else's subscription.

Does it submit applications or calculate servicing? expand_more

No, and it says so on every screen. Servicing calculators and lodgement belong to the lenders and the aggregator tools. This holds the thing they do not: your pipeline with its clocks, your refix book, your commission expectations and your advice file, queryable in plain language.

What happens to my Trail data? expand_more

Export your contacts and your lending report (the client-list export needs organisation admin access, so do it while you have it), do a test run first, and the book comes across: clients, loans, balances, rates and the fixed expiry dates the refix book runs on. CDD dates and advice files arrive deliberately empty, because this system will not call a file complete just because the old one never said otherwise. Running the compliance check then lists exactly what to backfill.

Is the compliance checking legal advice? expand_more

No. The guide is a rule book with sources: the Disclosure Regulations, the Code, the CCCFA, the AML/CFT Act, the record-keeping standard condition. Each rule has the check that finds a breach in your records, and you edit the rules to match your licence and your jurisdiction. It is your rule book pointed at your data. The Australian equivalents (NCCP, the Best Interests Duty) are in the same guide.

Stop renting the record of your own advice business

30 minutes with Sam. We look at what you pay for your CRM, what your practice actually uses, and what the installed version would look like for you. If it is a fit, we install it. If it is not, take the free version and run it yourself.

Book a discovery call Get the free version

Mortgage Broking for Claude Code is free and open source, published by Enterprise DNA.

Done paying for Trail?

Get your version built