Fragmented intake
Referral information can arrive through different people and channels, creating inconsistent data and unnecessary clarification.
Case Study · Financial Services · In Progress
Be Proactive Finance: building an AI-enabled referral platform.
Ethical Edge Solutions is helping Be Proactive Finance design and build a connected referral platform for accountants, vehicle brokers and mortgage brokers who want to help business clients access asset finance without losing visibility across the handoff.
THE BUSINESS
Commercial finance built around business assets and trusted relationships.
Led by Ben Alford and Eoin Costigan, Be Proactive Finance helps Australian businesses finance vehicles, equipment and machinery. Referral partners are an important part of that model because they are often the first to see when a client needs capital for the next stage of growth.
REFERRAL ECOSYSTEM
PartnerIdentifies a client finance need.
ReferSubmits the opportunity through one clear flow.
QualifyInformation is captured and routed consistently.
ProgressThe referral moves through the finance journey.
VisibilityThe relationship is supported with clearer updates.
The opportunity
Turn a relationship-led referral network into a scalable operating system.
As referral volume grows, disconnected forms, inboxes, follow-ups and status checks create friction for the finance team and the referring partner. The platform is being designed to make that journey easier to use, easier to manage and easier to scale.
Manual follow-up
Teams can spend valuable time chasing missing details, routing enquiries and answering avoidable status questions.
Partner visibility
Trusted partners need a professional experience that protects the client relationship and makes the next step clear.
ACCOUNTANTSVEHICLE BROKERSMORTGAGE BROKERSCONNECTED INTAKESMART ROUTINGPARTNER VISIBILITYACCOUNTANTSVEHICLE BROKERS
Who the platform supports
Three partner channels. One connected referral journey.
Accountants
A clear pathway to identify asset-finance opportunities and refer business clients without adding another manual process to the practice.
Vehicle brokers
A structured referral flow that connects the vehicle purchase journey with the right commercial finance support.
Mortgage brokers
A way to support clients with business asset-finance needs while keeping the referral visible and professionally managed.
What Ethical Edge Solutions is helping build
AI services applied to the workflow—not added as a gimmick.
The work starts with the referral operation: who submits what, what information is required, where decisions occur, how the opportunity is routed and when humans need to step in. AI and automation are then applied where they reduce friction and improve consistency.
Structured partner intake
A consistent digital pathway for capturing the right client, partner and asset-finance information from the start.
Intelligent qualification
AI-assisted handling to organise information, identify missing details and prepare the referral for the appropriate human review.
Workflow and routing automation
Clear movement between referral, review and follow-up stages so opportunities do not depend on inbox memory.
Partner communication
A more consistent experience for acknowledgements, next steps and appropriate progress updates across the referral journey.
Current implementation stage
Building the foundation for scale.
This case study documents an active EES engagement. The platform is being developed around Be Proactive Finance’s real referral model and partner relationships. Verified performance outcomes will be added once the system is live and sufficient operating data is available.
Workflow-led design
The process is mapped before automation decisions are made.
The process is mapped before automation decisions are made.
Human accountability
AI supports qualification and coordination while finance decisions remain with qualified people.
AI supports qualification and coordination while finance decisions remain with qualified people.
Built for adoption
The partner experience must be simple enough to use consistently in real business conditions.
The partner experience must be simple enough to use consistently in real business conditions.
The wider lesson
A referral platform is not just a form.
It is a connected operating model across partners, clients, data, communication and internal follow-up. The value comes from redesigning that full journey—not simply digitising the first step.
