Built around how commercial brokers actually work.

Client onboarding

Open a mandate in minutes with guided intake that feeds straight into the file.

A configurable application journey your clients can start from your website, or your team can complete on their behalf. Company data is pulled from Companies House, and every answer flows through to compliance, workflow and the lender pack without re-keying.

• Branded, configurable application forms
• Companies House lookup and auto-fill
• Broker-assisted or client self-serve

Compliance management

AML, KYC and KYB checks fire at each gate, and the evidence sits on file.

Compliance is a stage in the pipeline, not a folder someone has to remember to fill in. Verification runs against the deal as it progresses, Consumer Duty obligations are recorded, and every check leaves an audit trail you can hand to a lender or a regulator.

• AML, KYC and KYB verification
• Consumer Duty evidence at each stage
• Full, exportable audit trail

Workflow management

Route every transaction from first contact through to loan documents.

Build the workflow that matches how your desk actually runs. Each product can have its own stages, tasks, owners and service levels, and the system flags what's stalled before a client has to chase you for it.

• Per-product stages and tasks
• Owner and service-level tracking
• Automatic escalation on stalled files

Document management

Create, collect and store every document against the deal it belongs to.

Generate Terms of Business Agreements and Privacy Notices, collect e-signatures, and hold every supporting document in one versioned, searchable place. No more digging through an inbox for the latest attachment.

• Generated TOBAs and privacy notices
• Built-in e-signature
• Versioned, searchable document store

Client portal

Your brand, your clients, live status without a single chase call.

Clients upload what you need and see exactly where their application stands at every stage. Information is entered once and held securely, which cuts out the email ping-pong and the double handling that slows deals down.

• White-labelled to your brokerage
• Secure upload and live status
• One source of truth for both sides

Customisable CRM

Model your own pipelines across every product you broker.

Business loans, asset finance, bridging, development finance. Each gets the pipeline, fields and views that fit it. Leads, contacts and opportunities sit alongside the workflow rather than in a separate system nobody updates.

• Unlimited product pipelines
• Custom fields, stages and views
• Connected to workflow, not bolted on

Application pack

Assemble a lender-ready pack with a narrative, in one pass.

Once the information and documents are in, Xova assembles a structured application pack with a compelling case narrative, giving your client the best possible chance of a competitive offer.

• Structured, lender-ready output
• Case narrative built from the file
• Consistent quality across the desk

Powerful integrations

An API-first platform that fits the rest of your stack.

Xova is built API-first, so lender portals, credit and valuation data, accounting and marketing tools connect cleanly. Build the fully integrated operation you actually want, rather than the one your software allows.

• Documented, API-first platform
• Lender and data-provider connections
• Webhooks for your own automations

Insightful dashboards

Pipeline, conversion and compliance risk at a glance.

Track new enquiries, live applications and completions from a standard dashboard, then build bespoke views for the way your business reports. The numbers come from the live pipeline, not a spreadsheet someone updates on Fridays.

• Enquiry, live and closed views
• Bespoke dashboards per team
• Board-ready reporting