Four pillars. One operating system.
Apply, Vendor, Underwrite and Impact share a single data spine — composable APIs that replace 123FormBuilder, legacy partner portals and the Credit Sense iframe.
Conversational, mobile-native applicant journey with first-party identity, address and CDR consent.
Embeddable POS, white-labelled funnels, AI quotes and a true vendor CRM.
Bank-statement ML, credit-bureau orchestration, explainable real-time decisioning.
Per-loan carbon, water and energy savings — surfaced to borrowers, vendors and regulators.
Composable services. Hosted in Australia. Owned by Terminal Carbon.
Accredited data recipient pipeline for income, liabilities and bill verification.
Real-time tranche bidding for warehouse funders & ESG bond issuers.
Drop-in JS for vendor websites, replacing iframes with native checkout.
Install cover, warranty and payment protection bundled at point of finance.
- Server-rendered web app
- Next-gen vendor embed
- Borrower PWA
- Application orchestrator
- Decisioning engine
- Carbon ledger
- Vendor CRM
- Encrypted relational database
- Immutable document vault
- ASIC ACL audit log
- AASB S2 reporting
Native Terminal Carbon sync. Zero double-entry.
Connect in minutes, sync in seconds. OAuth in your existing CRM, accounting and core-banking systems — Terminal Carbon handles the mapping out of the box.
Bi-directional mapping to Lead, Opportunity, Loan, Household and custom Terminal Carbon objects.
Vendor leads, AI decisions and install milestones flow into your CRM within seconds via Pub/Sub.
Connected App with least-privilege scopes. Every sync event signed, timestamped and replayable.
HubSpot, Microsoft Dynamics and bespoke core-banking systems plug into the same event bus.
Quote, install address and AI confidence score push into your CRM as a Lead with Terminal Carbon metadata.
Decision, reasoning and risk flags update the linked Opportunity stage and Notes — explainable to credit officers.
CRM reps mark Installed; webhook updates Terminal Carbon, triggers carbon impact write-back to the borrower dashboard.