Pre-fill from 15+ data sources. AI document extraction. Lender policy in real time. Zero re-keying. Go from enquiry to lodgement in minutes — not days.
The Problem
The average SME loan submission takes weeks of back-and-forth. Every hour spent chasing documents is an hour not spent closing.
The Platform
CitoPlus is purpose-built for the commercial and SME lending workflow — from first client touch to lender inbox.
SmartFill AI pre-populates client data from 15+ sources the moment you start a deal. No typing. No hunting. Just review, confirm, and go. Brokers using CitoPlus submit 3× faster than the industry average.
Data pulled directly from the source means no transcription errors. Our AI doc extraction reads financials, tax returns, and identity documents and structures them precisely — so what reaches the lender is right, first time.
Real-time lender policy sits inside every application flow — not in a PDF on someone's desktop. Before you lodge, CitoPlus flags compliance gaps and policy mismatches so you're never surprised by a bounce-back.
From major banks to specialist non-banks, CitoPlus connects to your full lender panel. Direct lodgement built in. Switch lenders, reuse data, and submit across multiple channels — without starting from scratch.
How It Works
CitoPlus compresses the entire commercial lending workflow into a guided, intelligent process that gets decisions faster.
Start a deal and CitoPlus pre-populates client data from ABR, credit bureaus, ATO, and open banking. SmartFill AI extracts and structures uploaded documents instantly. Your client fills in gaps — not you.
CitoPlus maps your deal to lender appetite in real time. Policy rules fire automatically — serviceability, LVR, industry, deal type. You see a clean, lender-matched application before you review a single line.
Submit directly to the lender from inside CitoPlus — no re-entry, no PDF exports, no email attachments. Track status in one place. Get to a decision days earlier than the manual alternative.
About CitoPlus
We didn't build CitoPlus from a whiteboard. We built it because we've sat on both sides of the commercial lending desk — and watched smart brokers lose deals to paperwork.
16 years in financial services, across lending technology and broker distribution. Built CitoPlus to eliminate the manual work that holds brokers back from doing their best work.
21 years in financial services including 14 years at NAB and Judo Bank building SME banking platforms. Knows what lenders actually need — and built CitoPlus to deliver exactly that.
Our Principles
Three commitments that guide every product decision and every customer relationship.
Financial services runs on relationships. We earn ours by doing what we say, shipping what works, and never cutting corners on data security or compliance.
Technology should amplify brokers, not replace them. Every feature we build asks: does this help the broker focus on what they're actually good at?
We're a small, focused team. We move fast, but not recklessly. Every release is tested, documented, and backed by a support team that actually picks up the phone.
Get Started
See CitoPlus on a real deal — no slides, no decks, no sales pitch.
"No slides. Just the platform on a deal that looks like yours."
📍 4/179 Queen St, Melbourne 3000 · support@citoplus.com.au
Results
What brokers are saying.
Real outcomes from real firms. No marketing fluff.
"We migrated 100% of our SME submissions to CitoPlus within a quarter. The time savings alone justified it — but the quality improvement was the real win. Our submission-to-approval rate is up across the board."
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