Start with a better prepared file.
Vela follows up leads from your existing website and connected CRM, then reads documents and prefills the digital application. Inbound and outbound voice keep the conversation moving.
Velocity / The connected finance platform
From first enquiry.
To settlement.
Your brand, from first enquiry to settlement. Velocity connects your website, CRM and inbox behind the scenes, with Vela handling the preparation and follow-through. Your team keeps control.
VELOCITY / APPLICATIONSample file
JB
Jason BourneTreadstone Global Operations Pty Ltd · Employer
Personal vehicle finance$74,500
01Licence details captured
02Payslip & bank statement read
03Credit report still required
Next: reconcile the pay totals and complete the evidence.
A working view of the whole file
The evidence, together.
A clearer next move.
Compare Jason’s sample licence, payslip and bank statement. See the matching addresses, review the income discrepancies and explore the missing evidence and questions behind a lender shortlist.
JB
PERSONAL VEHICLE FINANCEJason Bourne
Treadstone Global Operations Pty Ltd · Employer
Requested finance$74,500Sample enquiry
THE EVIDENCE
The account. The questions to resolve.
Supplied NAB statement · mock data
Fictional source document · test data only
STATEMENT PERIOD21 Feb–21 May 2025
- Opening balance
- $3,247.12
- Closing balance
- $8,956.37
Original mock document. Open it to inspect the printed transactions.
Total credits · printed$23,956.78For the statement period
Total debits · printed$18,247.53Not a monthly expense figure
Salary credits visible2025 · AUD
24 Feb$2,950
21 Mar$2,950
13 Apr$2,950
19 May$2,950
This payslip’s payment is outside the statement.
The statement ends 21 May 2025. The payslip pay date is 28 May 2025. Request a later statement before checking that payment.
Home-loan debits visible$2,180 each
Four entries: 25 February, 23 March, 13 April and 18 May. Confirm the loan account and contractual repayment; the debit pattern alone does not verify a monthly commitment.
Statement totals need reconciliation
The 41 visible transactions total $11,800 in credits and $11,395.52 in debits. Those do not match the printed summary. The opening and closing balances reconcile using the printed summary totals, but not using the displayed rows.
Request the complete transaction history before using the statement as a full cash-flow or expense assessment.
From information to action
One journey.
Far less manual work.
Understand the customer. Then the fit.
Bring bank statements and Equifax into the picture. Compare lender fit against the customer’s circumstances and objectives, including early payout or refinancing intentions.
Carry the context all the way through.
Use supported financier APIs to progress approvals, documents and settlement. Keep conditions, e-signing and the next action connected to the file.
Intelligence for your business
Every deal.
The whole business.
Work through the detail with Vela. See your pipeline and order bank with analytics on demand. Keep the next decision in view.
Ask Vela to workshop a deal by voice, chat or email. Bring the evidence, customer objectives and outstanding questions into the same conversation before choosing a path.
Make the reasoning part of the file: why this lender, why this rate and what trade-offs matter to this customer. Your team reviews the recommendation and decides when to progress.
Meet Vela, your loan assistantBroker analyticsPipeline and order bank, on demand
Source evidenceA clear picture, ready to assess
Customer objectivesPart of the lender conversation
Deal WorkshopVoice, chat or email
Approvals to settlementConnected through supported APIs
Identity / A clear purpose for every record
Verify identity.
Keep the evidence.
A licence can help prepare the application. Identity verification and document retention each need their own step in the process.
Establish who is applying.
Use the required identity checks. Reading a licence, comparing addresses or checking an expiry date does not, by itself, verify the person.
Keep a useful verification record.
Record the method, time, outcome and provider reference, required identity details, and how discrepancies were resolved. Keep this evidence for the applicable retention period.
Reduce unnecessary ID storage.
Review the image when its purpose is complete. Remove it when no lawful need remains, checking applicable retention requirements and exceptions first.
These are workflow principles. Confirm the available verification and retention controls for your setup before relying on them. The website demos do not perform identity verification or automated deletion.
What determines when an ID image can be removed?
Use the applicable retention policy and check whether the image is still needed for a permitted purpose. Settlement, withdrawal or decline should prompt a review; they are not a universal instruction to delete. Historical records and other legal requirements may need different treatment.
OAIC guidance preserves retention obligations for ID copies made before 31 March 2026. Required verification records also have their own retention period: AUSTRAC generally requires customer due diligence records for seven years after the business relationship ends or an occasional transaction completes.
Read the OAIC identity-document guidance and AUSTRAC recordkeeping guidance.
What about copies in Outlook, a CRM or another system?
Each copy needs an owner and an agreed handling process, including attachments, processing copies and backups. Removing a document from one system does not remove it everywhere. Confirm permissions, exceptions and deletion evidence across the services involved.
YOUR NEXT MOVE
Keep your business. Upgrade the way it moves.
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