Co-pilot
A novated leasing partner program for asset finance brokers. You quote it. We handle the rest. You take 50% of the commission. No new accreditation. No servicing headaches. No losing the client.
The model is simple.
You quote it. We handle the rest.
You quote it
We give you the tools — calculator, quote, application form.
You send it through
One channel. No additional accreditations needed.
We handle the rest
Our team owns the process end-to-end, including in-life management.
You take 50%
50/50 commission split on upfronts.
Three things off your plate.
No new accreditation
Co-pilot sits inside your existing asset finance licensing. There's nothing new to apply for.
No servicing headaches
From application to settlement to in-life management, our team runs it. You're kept in the loop, not on the hook.
No losing the client
The customer stays yours. Every broker-introduced customer is tagged and protected in our system.
How a deal moves through Co-pilot.
01
Quote
You generate the quote yourself using our calculator. It gives you flex on margin within the rules.
02
Customer accepts
They sign off on the numbers you've quoted.
03
Application submitted
We manage privacy consent and the application process with the customer.
04
We settle
Our team handles employer setup, finance, vehicle delivery and payroll. We keep you in the loop the whole way.
05
You get paid
Commission settles on the upfronts.
You bring the customer.
You keep them.
You keep them.
You
The customer is yours. You quote them, you manage the conversation, you retain them as your client.
Us
From application onwards, Positive owns the employer and employee relationship — we have to, because we're the ones talking to payroll, signing up the employer, and managing the lease for its full term. You're kept updated at every milestone. You won't be chasing us for status — they'll come to you.
Broker-introduced customers are tagged in our system from day one. The protection is built in — not just a verbal agreement.
A few guardrails worth flagging.
Co-pilot is designed to be low-friction — but a few rules keep the model clean for everyone.
Sell at the quoted price
The calculator gives you flex on rate — up to 10% brokerage, defaulting to 8%. Once you've got a customer committed on a number, that's the number you submit. No renegotiating after handoff.
Government employees — check the state first
VIC and NSW Government are locked with exclusive providers. We can't help those employees, regardless of what you quote them. QLD Government we're on the panel — but the earn is a flat $500 to you (we're capped on what we can charge under the panel agreement). TAS, SA, WA, NT, and most Federal departments are fine on standard terms.
Asset finance brokers only at launch
If someone outside your network asks about it, point them to us — it'll be a straight referral through the AFX platform, not Co-pilot.
Everything you need.
Once you're set up, all materials are ready to go. Here's what's available.
Broker guide to novated leasing
How novated leasing works.
Calculator & quote tool
Live tool, available once you're set up.
Application form
Co-pilot branded, single form with document upload. Ready to use from day one.
Commercial agreement
Sent upfront to gain access.
Webinar replay
Watch it here.
Electric car discount changes
All the info you need to know is here.
Three steps to your first quote.
Complete the commercial agreement
Fast review, no surprises.
Get access to our tool
No integrations necessary.
We'll walk you through it
You're quoting the same day. No delays, no waiting period.
Request access to Co-pilot.
Register your interest through the link below and we'll be in touch within one business day with the commercial agreement and next steps.
Questions before you sign up? Reach Jordan at jordan.mutton@positivesp.com.au or Adam at adam.mcgilchrist@positivesp.com.au
Common questions.
Do I need any new licensing or accreditation?
No. Co-pilot sits inside your existing asset finance licensing. You're not providing the novated lease — we are. Nothing new to apply for.
What does "kept in the loop" actually mean?
You get status updates at each milestone — application received, approved, settled. You don't have to chase, but you're never in the dark with your client.
Do I really keep the client?
The customer stays yours. We've built tagging into our system so any broker-introduced customer is flagged and protected.
What's the calculator built on?
Our own engine, which is the same we use. We maintain it — you just use it.
Can I flex pricing to win deals?
Yes, within the rules — minimum commission floor and government pricing limits apply. Once quoted, that's the price you sell at.
Who do I contact?
Jordan Mutton — jordan.mutton@positivesp.com.au
Adam McGilchrist — adam.mcgilchrist@positivesp.com.au