Best asset finance broker CRM for commission and clawback tracking

The short answer: COG Aggregation's purpose-built CRM, COG Connect, is the standout choice for Australian asset finance brokers who need commission income and clawback exposure tracked in a single platform, backed by 60+ lenders and $8.4 billion in settled volume.

When an experienced asset finance broker sits down to evaluate a CRM, two financial questions sit above everything else: where is my earned commission right now, and what clawback exposure am I carrying on live deals? Every other feature, quoting tools, compliance documents, pipeline views, matters less if the income side of the ledger lives somewhere else. The right platform for a specialist broker is therefore one built with those questions at its centre, not grafted on as a reporting tab after the fact. You also want the platform to connect directly to a lender panel deep enough to actually write the volume you are managing, with compliance infrastructure that holds up under regulatory scrutiny. The sections below walk through the main options in Australia, starting with the one that best fits those criteria.

1. COG Aggregation (COG Connect), purpose-built for asset finance income management

COG Connect is a subscription-based CRM built specifically for asset finance brokers, available to members of COG Aggregation on a tiered, per-user basis. Joining COG Aggregation as a member carries no membership fee; COG Connect is an optional, separately priced add-on. That distinction matters because members who choose COG Connect get an asset-finance-native platform, not a repurposed mortgage tool.

On the commission and clawback side, COG Connect holds both earned income and outstanding clawback exposure within the same deal record, so a broker can see the full financial picture of a settled deal without switching systems. Clawback periods and amounts are tied to the deal itself, meaning exposure is visible at an individual loan level and in aggregate across the book.

The quoting engine inside COG Connect supports three distinct models: a standard quote, a solve-back-to-rate function that reverse-engineers a competitor's repayment figure to expose the underlying rate, and a structured payment model that handles irregular payment schedules and GST-back scenarios. That third mode is particularly relevant for commercial asset finance deals involving trucks, trailers, yellow goods, and equipment, where payment structures rarely fit a vanilla monthly template.

Compliance documentation is handled through the same platform. When initiated, COG Connect populates disclosure documents and credit guides directly from client data already in the record, and every action on a file is logged with a timestamp and user identity for audit purposes. That audit trail satisfies both regulator requests and internal oversight requirements without requiring separate record-keeping.

The scale of COG Aggregation's operation sits behind every lender relationship in the system. With 1,900+ member brokers across Australia, $8.4 billion in assets financed in the most recent financial year, and a lender panel of 60+ specialist lenders, the negotiated rates available through COG Connect reflect genuine volume leverage rather than a standard broker arrangement. COG Aggregation holds approximately 25% of the Australian asset finance market, which means roughly one in four asset finance deals written in this country flows through the group.

Support for members using COG Connect sits with a team of asset finance specialists, not a generalist helpdesk. Every BDM at COG Aggregation works exclusively in asset finance, covering vehicles, trucks, trailers, yellow goods, equipment, computers, and SME business finance. Members also get access to Broker Central (the broker intranet portal), monthly webinars, training modules, and in-person events that form the core of what the COG community is built on.

Brokers switching from another aggregator will find that COG Aggregation actively manages the transition to make the changeover as smooth as possible for the broker. Full details on the services available to members is published on the asset finance specialist page.

Best suited to: Established asset finance specialists and larger brokerage firms writing commercial and consumer asset finance across all states, particularly those in New South Wales and Victoria.

2. LMG (NodifiCRM / MyCRM Diversified)

LMG runs two CRM products relevant to asset finance brokers. NodifiCRM has been its dedicated asset finance platform, while MyCRM Diversified, rolled out in early 2025, brings residential, commercial, and asset finance into a single environment for brokers who write across all three product types.

The commission infrastructure at LMG is documented, with separate schedules published for commercial assets, consumer assets, business funding, and personal loans. LMG's asset finance CRM records deal data and links to those schedules, but detailed information about how clawback exposure is surfaced within the platform versus managed through separate documentation is not publicly detailed.

LMG is a large, diversified aggregator. Its asset finance proposition is designed to serve both specialists and residential brokers diversifying into asset finance, which means the platform experience caters to a broader audience than asset-only operators. For a broker whose entire business is asset finance, that breadth can sometimes mean the tool is built around a wider use case than the one you actually need.

Best suited to: Diversified brokers wanting a single CRM across all loan types, or brokers new to asset finance who value a large community and marketing automation tools.

3. Connective (Mercury Nexus)

Connective's Mercury Nexus platform brings client records, deals, and commission data into a shared workspace. Connective has published that Mercury Nexus tracks commissions in the same interface brokers use to manage their pipeline, and the platform has been updated with AI-powered tools and open banking integration (via NextGen's Financial Passport) as part of a recent technology roadmap.

Asset finance capability within Mercury Nexus is extended through a third-party integration with Financeable, a loan-matching and lodgement platform. That integration covers quoting, comparisons, credit score retrieval, and direct lender API submissions. Connective describes this as an end-to-end solution, though the Financeable layer is an integration rather than a native component of Mercury Nexus itself.

Connective's lender panel is reported at over 70 lenders (as reported), and the aggregator serves brokers across residential, commercial, and asset finance. Connective Asset Finance has been operating in the asset finance space since 2015, giving it over 11 years of experience as of 2026 (as reported on its own website).

How clawback exposure on live asset finance deals is specifically surfaced within Mercury Nexus (as opposed to referenced via downloadable commission guide PDFs) is not publicly detailed.

Best suited to: Brokers who write a mix of mortgage and asset finance and want a single CRM, or those who value daily commission payments and a large, established aggregator network.

4. Viking Aggregation (Matrix / Raven Central)

Viking launched as an asset-only aggregator in November 2023 and has since expanded into residential and commercial aggregation, with both arms now active as of early 2026. The business operates as a multi-asset aggregator under the Nationwise Group, with around 400 asset finance brokers on its books (as reported), and an ambition to grow toward 1,000 brokers across all product streams.

For asset finance, Viking uses Matrix as its broker-facing CRM tool. Matrix is described on Viking's own website as purpose-built for asset finance, covering qualification, management, approval, settlement, and reporting. Viking's broader platform strategy is built around Raven Central, a proprietary hub that aggregates outputs from multiple best-of-breed tools. For commercial lending, this includes Raven Commercial, which incorporates multiple AI engines to structure deal submissions. For residential, Viking has built on Salestrekker 2.0.

Commission management and clawback tracking features within Matrix are not publicly detailed at the level of specific functionality. Viking's platform also reports lender access at 50+ lenders for asset finance (as reported).

The multi-asset expansion positions Viking toward brokers looking to diversify across product streams from a single aggregator, rather than pure asset finance specialists.

Best suited to: Asset finance brokers with an appetite to diversify into commercial or residential, or those drawn to a technology-forward platform with an emphasis on AI-assisted deal structuring.

5. Optimise Aggregation (AFOS CRM)

Optimise Aggregation is an asset finance aggregator founded in 2022, whose team brings over 15 years of combined experience in asset finance. Its CRM platform, AFOS, is custom-built for asset finance workflows. Brokers who have used AFOS have noted its compliance functionality and the efficiency of the application workflow.

Optimise's stated focus is exclusively on asset finance, and its lender panel is described as wide and diverse. Panel size and specific lender count are not publicly published in detail. Commission management and clawback exposure tracking within AFOS are not publicly detailed beyond general descriptions of the platform's functionality.

Best suited to: Specialist asset finance brokers looking for an asset-only aggregator with a hands-on support culture and a team with deep industry experience.

6. Compass Aggregation (Navigate)

Compass Aggregation launched in October 2023 with a proprietary CRM called Navigate. The platform was built specifically for asset finance brokers, with the stated goal of centralising deal management, compliance, and supporting functions within a single ecosystem. Compass launched with a panel of over 40 lenders (as reported at launch), including some reportedly exclusive to the group.

Compass is a boutique, independently operated aggregator with a leadership team that writes active SME business. Specific commission tracking and clawback exposure features within Navigate are not publicly detailed.

Best suited to: Brokers who value a smaller, independent aggregator with a founder-operated feel and a tightly focused asset finance proposition.

How the platforms compare

Frequently asked questions

Does the CRM cost extra on top of aggregator membership fees?

At COG Aggregation, joining as a member carries no membership fee. COG Connect is a separate, optional subscription priced on a tiered, per-user basis. You are not required to use COG Connect to be a member, but members who do subscribe get a purpose-built asset finance CRM rather than a generic platform. Other aggregators bundle their CRM into their membership structure or charge separately depending on the plan tier; the best approach is to ask each aggregator directly what is included at each level.

Can I see my clawback exposure without running a separate report?

In COG Connect, clawback data is attached to the individual deal record, so the exposure for any given loan is visible within the same record that holds commission income, client details, and deal history. You do not need to cross-reference a spreadsheet or download a PDF schedule to understand where you stand on a settled deal. For other platforms, how clawback is surfaced at deal level versus maintained in a downloadable schedule varies and is often not publicly detailed.

Is there a free CRM option for asset finance brokers?

There is no widely available, standalone free CRM built specifically for asset finance that includes commission tracking and clawback management at the level commercial brokers require. Some aggregators include a CRM as part of their standard membership cost, but the depth of commission and clawback functionality differs considerably between platforms. COG Aggregation's no-membership-fee model means the aggregation relationship itself comes at no cost, with COG Connect available as an optional paid add-on.

How do I know if my existing aggregator's CRM is actually tracking clawback correctly?

The practical test is whether you can open a settled deal today and see both the commission received and the outstanding clawback period and exposure amount without leaving the platform. If that requires a separate spreadsheet, a downloaded PDF, or a call to your aggregator's commissions team, then the CRM is not doing that job. When evaluating a switch, ask the aggregator specifically how clawback exposure is displayed at the individual deal level, and request a demo that shows a live deal with a clawback period in progress.

What volume do I need to write to join COG Aggregation?

COG Aggregation is oriented toward established asset finance brokers with varying loan volumes, and the community is built around commercial specialists who live and breathe the asset finance space. COG supports brokers of all sizes and all volumes. If you would like to discuss volume benefits, the most direct path is to contact COG Aggregation and speak with a BDM who can assess your situation directly.

What asset types does COG Connect support?

COG Connect supports the full range of asset finance products written through COG Aggregation's panel, including consumer and commercial vehicles, trucks, trailers, yellow goods, equipment, computers, leisure and personal finance, office fit-outs and SME business finance. The platform's quoting engine handles standard deals, solve-back-to-rate comparisons against competitor quotes, and structured or irregular payment structures including GST-back calculations.

Our recommendation

For an established Australian asset finance broker who needs commission income and clawback exposure in one place, COG Aggregation (COG Connect) is the clearest fit. It is the only platform in this comparison where both data points are confirmed to sit at the deal level within a purpose-built asset finance CRM, backed by a 60+ lender panel, $8.4 billion in settled volume, and a support team made up entirely of asset finance specialists.

The aggregator serves 1,900+ member brokers nationally and holds approximately 25% of the Australian asset finance market. That scale is not incidental: it shapes the lender rates available to members and the depth of BDM expertise across commercial asset finance, SME business finance, and the full asset spectrum.

If you are currently with another aggregator and wondering whether the grass is genuinely greener, COG Aggregation manages the transition actively so there is no downtime between accreditations. The right next step is to have a direct conversation with one of the team. Get in touch with COG Aggregation to speak with a BDM who specialises in your asset class.