Choose Track My Trail for analysing your brokerage’s commission income. Choose ASSIST Commission by Escientia for administering commission across a broker or referrer network.
Track My Trail finds missing trail, explains monthly income changes and shows clawback exposure from your aggregator reports. ASSIST Commission processes lender files and generates recipient-created tax invoices (RCTIs), with loan-book reporting available through its broker portal.
Which Commission Job Are You Buying for?
The choice starts with whether you receive commission statements or run the system that produces them.
For a broker reviewing income already paid, Track My Trail turns aggregator statements into loan-level explanations. Quick Analysis compares two monthly reports without storing them. Trail History stores reports when you opt in, so Historical Analysis can compare periods without another upload.
That history supports more than a monthly total. Missing Trail Analysis separates stopped payments that later return from discharges. Commission Verification matches upfront payments to the trail expected within two months. Clawback Risk lists loans inside their clawback period with days remaining and the upfront at stake.
ASSIST Commission targets aggregators, lenders and mortgage managers as well as brokers. Its role includes matching commission to recipients and applying payment rules. That suits a buyer responsible for the commission run itself.
Processing and Reporting Side by Side
Both products report on commission, but their inputs and outputs serve different responsibilities.
| Commission task | Track My Trail | ASSIST Commission |
|---|---|---|
| Starting data | Aggregator CSV, XLS or XLSX reports | Lender files mapped to brokers |
| Commission checks | Missing Trail Analysis and upfront-to-trail matching | Matching exceptions and an audit trail |
| Invoice administration | Analysis of received commission reports | RCTI generation and delivery under payment rules |
| Broker reporting | Trail by Broker on every plan, with analysis filtered by broker | Broker portal with commission history and loan-book information |
| Ongoing book decisions | Clawback Risk, Refinance Finder and Trail Book Valuation | Expiry and retention alerts |
Escientia describes automatic lender-file mapping, exception handling and invoice delivery. Its broker portal adds post-settlement visibility, so ASSIST Commission also has a reporting role.
Track My Trail’s reporting centres on what the money means for your business. Quick Analysis explains added and dropped loans, balance changes and arrears. Month-length adjustments help distinguish a shorter reporting period from a fall in income.
For a larger brokerage, Elite Suite combines up to five aggregators or trail books. The owner and four teammates have separate logins to shared history and dashboards. Trail Book Valuation grades active loans A to E and produces a three-page report, cross-checked with discounted cash flow.
Consider an illustrative brokerage with a lower trail total and a separate obligation to pay referrers. Investigating the fall calls for loan-level income analysis. Calculating the referrers’ entitlement and issuing invoices is payment administration. One headline commission total cannot show whether both jobs are covered.
Setup, Controls and Support
Track My Trail setup begins with the reports your aggregator already sends. Upload two monthly files for Quick Analysis. For stored comparisons, Trail History accepts up to 24 monthly reports at once and lets you resolve duplicate payments on screen.
PDF to CSV converts statement PDFs into rows you check before analysis. Elite Suite includes this converter, phone support and a one-on-one onboarding call with the founder. Quick Analysis stores nothing, while Trail History storage is opt-in and encrypted.
For ASSIST Commission, Escientia’s Regional Australia Bank case study describes tailored setup and ongoing support. Its documented correction controls include mismatch handling and a processing audit trail.
A commission-processing implementation needs an agreed owner for payment rules and exception decisions. Budget staff time to prepare the recipient records, approve split arrangements and reconcile the first payment run. Include responsibility for later rule changes in the implementation scope.
For income analysis, your brokerage still needs complete statements and the correct reporting periods. A missing payment flag gives you a reason to investigate with the aggregator. It does not establish why a payment stopped. Clawback Risk estimates exposure under the applicable rules, so distinguish that estimate from a confirmed charge.
Quote Scope and the Decision
Track My Trail uses monthly or yearly subscriptions, while ASSIST Commission’s public commercial route is an enquiry to Escientia.
Excel Escape includes Quick Analysis. Pro Performance adds stored history and Historical Analysis over the most recent two years for one trail book. Elite Suite adds full history, multiple books and the team features described here. Prices include GST. See Track My Trail plans and current prices for the subscription that covers your reporting needs.
Monthly plans can be cancelled at any time. You can upgrade, downgrade or switch billing from the account page. A seven-day free trial requires no credit card.
For a commission-processing proposal, define the number of recipients and payment arrangements before comparing the total cost. Include historical data preparation, staff training and ongoing support in the requested scope. Treat these as purchasing requirements, without assuming they are included contract terms.
Choose Track My Trail if your brokerage needs to explain received income, follow up missing trail and manage the value and risks of its book. Choose ASSIST Commission if your buying responsibility includes network commission processing and RCTI delivery. Match the purchase to the work your team must complete each month.
