For Track My Trail vs Trail AI, choose Track My Trail for ongoing commission checks, scheduled client reviews and a loan-by-loan trail book valuation. Choose Trail AI when your priority is AI-generated refinance reasoning alongside statement analysis and sale-value PDFs.
Both products analyse aggregator statements. The useful distinction is what happens after extraction: how you investigate an unpaid loan, manage the next review and explain a sale estimate.
A Verdict Based on the Statement Job
Track My Trail is our choice for brokers who want to follow commission income from a monthly discrepancy through to retention and book value. Quick Analysis compares two monthly reports and explains changes in trail, including clients added, dropped off or discharged. Trail History keeps the periods you choose to store, so Historical Analysis can investigate gaps over time.
The same history supports Clawback Risk and Commission Verification. Refinance Finder schedules client reviews and adds current loan information with each client’s open banking consent. Elite Suite produces a Trail Book Valuation report from the broker’s own loans. The Track My Trail product overview explains how these jobs fit together.
Trail AI’s features page describes statement extraction, missing-trail detection, refinance scoring and valuation PDFs. Its particular attraction is a score with an AI-written explanation for a refinance candidate. A broker who wants that explanation beside a ranked list has a clear reason to consider it.
| Job | Track My Trail | Trail AI |
|---|---|---|
| Monthly income review | Two-report Quick Analysis, with month-length adjustment | Dashboard with income trends and lender concentration |
| Missing payments | Missing Trail Analysis separates stopped-and-returned trail from discharges | Named-client missing-trail list with resolution history |
| Client reviews | Settlement-based queue, recurring reviews and consented open banking information | Refinance scores with per-client reasoning |
| Sale preparation | Elite Suite loan-by-loan report with an anonymised schedule and discounted cash flow cross-check | Pro and Team sale-value PDFs with loan grades |
An AI label does not establish extraction accuracy. Matching the correct loan and explaining a flagged payment still determine whether the result helps you act.
From Aggregator Statement to Loan Record
Track My Trail reads aggregator CSV, XLS and XLSX reports, while PDF to CSV converts a statement into rows you check before analysis. Its report coverage includes AFG, LMG, Connective, Finsure and smaller aggregators such as RegFin and Diversifi. The Generic CSV template provides another route for other reports.
For a single monthly comparison, upload two periods to Quick Analysis. For an ongoing record, Trail History accepts up to 24 monthly reports together and lets you resolve duplicate payments on screen. Historical Analysis then compares stored periods without another upload.
Trail AI describes deterministic parsing with AI fallback. Its pricing FAQ names Astute, Choice, Connective, FAST and VOW for deterministic extraction, with other listed formats routed through AI extraction. Its AFG page specifically describes XLSX intake through that fallback. These are different extraction methods, not measured accuracy results.
Trail AI’s features page says each import records a quality score. Its missing-trail guide describes comparing loan identifiers across periods and excluding rows with a stated nil-payment reason. A quality score helps identify imports needing attention, but the underlying rows still need to support the loan record.
Illustrative example: a lender changes an account reference while the borrower and balance remain substantially the same. The old reference disappears and a new one appears. Before treating that pair as a discharge and a new loan, compare the borrower, lender and settlement record. Confirm the reference change with the aggregator and retain the explanation with the original statements.
The correction depends on the cause. Fix an incorrectly transcribed field from the statement, resolve a duplicate payment where the upload identifies one, or request an aggregator correction for a source error. An unexplained identifier change must stay open until the records agree. Automatically joining two similar names can conceal a real discharge just as easily as a missed match can create a false gap.
Missing Trail, Clawbacks and Refinance Leads
A missing payment calls for reconciliation, clawback exposure calls for a rule check and a refinance signal calls for a client review. Each finding has a different follow-up.
Missing Trail Analysis in Track My Trail identifies missing, lost and new loans. It keeps trail that stopped and later returned separate from discharges, with a reviewed mark for each loan. That distinction helps you raise a specific payment period with the aggregator instead of chasing every fall in total income.
Trail AI says its missing-trail list identifies the client and reason, while keeping resolution history. Its guide also recognises account-number changes as a cause of apparent missing trail. In either workflow, confirm whether the loan remains active and whether a payment was delayed, nilled or credited under another reference before claiming unpaid commission.
Clawback Risk in Track My Trail lists every loan within its clawback period, with days remaining and exposure under the relevant rules. It groups loans as Critical, Watch, Monitor or Passive. Exposure is an estimate of upfront at risk. A charge on a statement needs reconciliation against the loan’s settlement, discharge and applicable agreement.
Refinance Finder builds a review queue for active loans settled more than two years ago, ordered by settlement age and balance. A settlement-month filter supports recurring reviews, and a reviewed loan returns after 90 days. With client consent, open banking adds the current rate, balance and offset information. The broker can compare those details with published lender rates before discussing options.
Trail AI’s scoring guide describes a ranking based on loan age, repayment trend, loan-to-value ratio and lender. Its features page adds AI reasoning for the highest-ranked candidates. That is a reason to review a file, not evidence that refinancing will benefit the borrower.
Before contacting a client, inspect the reason for the flag and the latest information you already hold. During the review, establish the client’s current needs and loan terms. Assess costs and suitability before recommending a change. An old settlement or falling trail alone cannot determine the right recommendation.
Sale Reports and Value Assumptions
Both products produce a report for a trail book sale, so the choice depends on the report’s method and supporting loan records.
On Elite Suite, Track My Trail grades each active loan A to E and values it individually. Trail Book Valuation adjusts for the shape of the book, cross-checks the result with discounted cash flow and produces a three-page A4 report. It includes an anonymised loan schedule and published methodology. This gives a purchaser a basis for discussing the income and risk behind the estimate.
Trail AI describes a sale-value PDF combining runoff, lender concentration, arrears and clawback exposure with A-to-E grading. Its features page describes an effective multiple and a sale-value range. Its pricing page includes valuation PDFs in Pro and Team.
A purchaser still needs to assess the transfer terms and the evidence behind projected income. Review whether the statement history represents recurring trail, how missing payments affect that history and how quickly loans have discharged. Inspect concentration in particular lenders or clients and the treatment of recent settlements with clawback exposure.
The report’s assumptions must also suit the transaction. A multiple and a discounted cash flow calculation can produce different estimates because they treat future receipts differently. Compare the income period, runoff assumption and discount rate used. Neither a generated PDF nor a loan grade is a purchase offer or a formal valuation.
Setup, Price and the Choice
Choose the plan around the history and outputs you need, then account for the monthly work of reviewing exceptions and recording their resolution.
Track My Trail’s Excel Escape includes Quick Analysis. Pro Performance adds Trail History and Historical Analysis over the most recent two years for one book. Elite Suite adds the full history, up to five books and team access for the owner plus four teammates. It also includes Trail Book Valuation and PDF to CSV.
We have monthly and yearly billing, with GST included and monthly cancellation available from your account. Track My Trail can pay for itself when it finds a single missing loan. The pricing page has current plan prices, and the 7-day free trial needs no credit card.
Trail AI lists Starter for a single aggregator, Pro for valuation and refinance scoring, and Team for up to five aggregators with shared seats. Its subscriptions have monthly and annual billing with GST added. The published trial lasts 30 days without a card, and cancellation takes effect at the billing period’s end.
Data handling also changes the setup decision. Quick Analysis stores nothing. Trail History storage is opt-in and encrypted, with client names and loan references encrypted again. Stored data is deleted within 14 days after a paid Track My Trail subscription ends. PDF to CSV deletes both files after 24 hours.
Trail AI’s privacy policy says customer data is stored in Sydney and extraction sends required file content through an AI gateway. Its pricing FAQ says AI extraction calls are the exception to its Australian processing location. The privacy policy says uploaded data is not used to train AI models and broker data is deleted or anonymised within 90 days of account closure, subject to record-keeping requirements.
Choose Track My Trail If
Track My Trail suits a monthly income review that grows into payment checks, client reviews and sale preparation. Pro Performance suits ongoing checks for one book within its two-year history window. Choose Elite Suite when you need full history, combined books or the valuation report with its anonymised loan schedule.
Choose Trail AI If
Choose Trail AI when AI-generated explanations beside refinance scores are central to your review process. Its Pro and Team plans also combine those scores with valuation PDFs. You still own the decision to investigate a payment or recommend a loan change.
For monthly income control and preparing a book for sale in the same workflow, our recommendation is Track My Trail. Keep resolving payment exceptions as they arise so the next client review or sale discussion starts from an explained income history.
