Bulma vs Valiant 2026

A Lender Fit Choice for Business Loan Brokers

Bulma helps you research a business owner’s circumstances across 52+ residential lenders, with commercial coverage where those lenders’ policies address it. Its strength is connecting the policy answer to the whole client scenario.

Valiant describes Savanna as its broker platform for business finance. ProductIQ filters loans against client requirements, while Savanna also handles applications and supporting administration. This is distinct from Valiant’s direct-to-business service, where its brokers help business owners arrange finance.

That distinction matters when a client needs a business loan alongside a home loan. Funding the business and assessing the owner’s residential borrowing power involve different lender requirements. Bulma brings the residential policy research and scenario assessment together within its covered lenders.

Lender Matching, Policy Evidence and Scenario Work

Savanna’s published matching and document features help organise a business-finance application, while Bulma puts the lender’s policy wording beside its research answers. The distinction is between finding a candidate loan and explaining the policy conditions relevant to the client.

Consider a fictional client who runs a landscaping business and wants working capital before taking on a larger contract. The client also wants to refinance their home. The broker needs to establish how existing business debt and self-employed income affect the home-loan scenario.

Valiant’s Savanna pages describe ProductIQ as a filter for loan products based on the client’s needs. They also describe tracking policy changes and a scenario checker that flags aspects of the proposed loan structure. Those are documented functions, separate from any claim about the outcome of this fictional application.

Valiant’s working-capital document guide directs brokers to upload bank statements, identification and privacy consents into Savanna. Other supporting documents go to its Referrer Support team. Document handling moves evidence into an application, while policy research establishes what that evidence must demonstrate.

Bulma’s Policy Advisor lets the broker compare covered lenders’ treatment of the owner’s self-employed income. Each answer quotes the policy it relies on and names the lender and policy area. You can retain that wording with the file instead of writing a policy summary from memory.

Scenario Planner checks the client’s whole scenario and groups lenders by standard-policy fit, conditional fit or need for an exception. It shows the client’s borrowing power at each lender, plus conditions and documents. Changing a debt or deposit updates the lender list and borrowing power.

Bulma also alerts you when a policy you’ve asked about changes. A saved answer therefore has a source to inspect, and a later policy change can prompt a fresh assessment. The evidence question for the file is whether the lender’s rule supports the client’s verified facts.

For an exception, Bulma gives the pathway a Documented, Precedented or Reported confidence level. Retain that label and confirm the exception with the lender. The lender’s own assessment sets the final borrowing figure.

Panel, Commercial Model and Daily Use

Savanna’s business-finance panel and Bulma’s residential policy coverage describe different lender sets, so the counts need their lending context. A larger panel total alone doesn’t establish coverage of a particular home-loan policy question.

Valiant’s Savanna landing page advertises loans from over 85 lenders. Its broader partner page lists 95+ business lenders across funding categories. Treat those as the claims of their respective services, without assuming the same lender access or product range in every channel.

Valiant’s partner information describes an accreditation process through an application form or its relationship team. Its Savanna offer states that access has no subscription fees and advertises commission sharing on settled deals. The partner program is also described as free, with the partnership governed by its agreements.

Bulma’s plans cover policy research and scenario planning with generous usage limits. Solo is for one broker, while Team includes up to five members with shared history. This is a software subscription for research, separate from a commission-sharing finance arrangement.

Bulma can load a scenario from your customer relationship management (CRM) record or uploaded documents. Follow-up questions keep the conversation’s context, and you can copy answers with their sources into file notes. These functions reduce repeated entry and policy searches when a business owner’s home-loan facts change.

Valiant’s partner service also includes a referral route where its brokers work on the funding request. Keep that delegated lending work separate from the research you retain for your own recommendation. Bulma doesn’t lodge applications, quote product rates and fees or cover asset finance.

Choose the Workflow That Fits

Bulma is the choice for a mortgage broker who wants policy evidence and scenario planning together. The table separates research capabilities from business-finance delivery so the panel counts don’t obscure the work each product does.

Use Bulma’s quoted policy to record why the lender meets the client’s circumstances, alongside the verified income and debt evidence. Keep the scenario inputs with the borrowing-power calculation and record any lender-confirmed exception. That gives your recommendation a traceable basis beyond the fact that a product appeared in a matching list.