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Currently in closed beta with leading mortgage-advice offices

Mortgage files,
assembled for you.

Tikli manages document collection on behalf of your office. It corresponds with your clients, collects and reviews their documents, identifies anything missing or inconsistent, and delivers a complete, bank-ready file.

Join the pilot

Tikli · Cohen Mortgages

Hi Michal, thank you for sending your credit report.

The report shows a car loan with an outstanding balance of about ₪62,000, which was not on your list of loans. Is it still active?

Oh right, I forgot about that one. It comes out of my Discount Bank account every month

Thank you, I have added it to your file. So that the bank can see the repayments, we will need the last 3 months of statements for that account and an account confirmation letter. For security reasons, please upload them only via the secure link:

🔒 Secure upload

Update · Levi fileUndeclared car loan identified and added to the filePending: statements + account letter

Tikli · Cohen Mortgages

How do I get the credit report?

Certainly. It takes a few minutes on the Bank of Israel website, creditdata.org.il:
1. Sign in with your national digital ID
2. "All actions" → "Order a report"
3. "Consolidated data report", 3 years, digital
4. When the email arrives, download the PDF
5. Upload it here via the secure link 🔒

I'm stuck on step 2, where is it? 😅

Screenshot of the personal area, in Hebrew: the 'All actions' link is highlighted, and the 'Your digital report' button is marked as the wrong oneNot the blue button 🙂 Please scroll down slightly and select "All actions" on the left.

Found it, carrying on!

Update · Sagi fileClient guided through step 2 of the report requestPending: consolidated credit report

Tikli · Cohen Mortgages

Thank you, Yoav. I have received all three payslips.

Your March payslip includes a ₪12,000 payment listed as a "grant", which appears to be an annual bonus. Is it paid every year?

Yes, every March, four years running

Excellent, this may improve your mortgage terms. For the bank to recognise the bonus as income, we will need your Form 106 for the past two years. It is available from your employee portal or from HR. Once you have it, please upload it here:

🔒 Secure upload

Update · Avraham fileAdditional income identified: a recurring annual bonusPending: Form 106, past 2 years

Sound familiar?

We built Tikli after extensive conversations with mortgage advisors, who described the same challenges time and again.

The challenge

Documents that contradict the client's account

The wrong document, the right document for the wrong person, or figures that contradict what the client reported. These issues only surface through a careful review of every document.

With Tikli

Tikli does more than collect documents. It reads and understands each one, cross-checks it against the client's account and the rest of the file, and flags every inconsistency for you, removing most of the manual review.

Finding · Levi file

Client reported₪14,000 salary

Payslips show₪12,600 on average

⚠ Discrepancy flagged for review
The challenge

Documents that expire mid-process

By the time the file reaches the bank, the account statements are no longer current and the latest payslip has been superseded.

With Tikli

Tikli tracks the validity of each document and requests an updated version from the client in good time.

Validity check · Avraham file

Account statementsreceived 41 days ago

Bank requirementwithin 30 days

↻ Updated version requested
The challenge

Documents lost in group chats

Borrowers, spouses, guarantors and dozens of files in a single group. Where is the March payslip?

With Tikli

Each document is assigned to the correct case and the correct person, even when a case involves several borrowers and guarantors.

Levi file · 3 people, 24 documents

Michal · borrower9/10

Danny · borrower7/10

Ruth · guarantor4/4

Every document filed correctly
The challenge

Unworkable file names

A file named IMG_4823.jpg is difficult to locate later, and cannot be sent to the bank in that form.

With Tikli

Every file receives a clear, consistent name, and Tikli renames it automatically.

File naming · Avraham file

IMG_4823.jpgPayslip · Yoav Avraham · 03-2026

scan_20260314.pdfAccount statement · Yoav Avraham · 01-03/2026

Ready to submit to the bank
The challenge

Following up with clients

Another message, another reminder, and another week passes without the account confirmation letter.

With Tikli

Timely, professional reminders are sent automatically, with no follow-up required from you.

Account confirmation letter · Sagi file

Sundayinitial request

Tuesdaybrief, courteous reminder

Thursdaydocument received

✓ No action required from you
The challenge

Clients less familiar with technology

Many clients do not know where to obtain a credit report, a Form 106 or their account statements.

With Tikli

Step-by-step guidance, with a screenshot for each stage.

Guidance · credit report

Step 1National digital ID ✓

Step 2"All actions" → "Order a report" ✓

Step 3PDF downloaded from the email ✓

Report received and reviewed
The challenge

Specialised documents

Every case has its own requirements, and only years of experience reveal what the bank will actually request.

With Tikli

We mapped these documents together with some of the most experienced advisors in the field, who serve a broad client base.

A selection of mapped documents

Israel Land Authority rights letterLoan payoff letterPrenuptial agreementProbate orderMaternity leave confirmationSelf-employed tax assessmentAnd dozens more

How it works

  1. Open a case

    Enter your clients' details, and Tikli contacts them on behalf of your office.

  2. Tikli collects and reviews

    It requests each document at the appropriate stage, reviews it, cross-checks the details, and sends courteous reminders when anything is outstanding.

    You remain in control: every significant finding comes to you, and at any point you can join the conversation, respond to the client directly, adjust Tikli's requests, or pause it.

  3. Receive a complete file

    An organised file in your office's Google Drive, with the findings that require your attention highlighted, ready to submit to the bank.

Your files remain with your office

Frequently asked questions

Does Tikli replace the advisor?

No. Tikli handles the routine work of document collection. Advice, decisions and the relationship with the bank remain with you.

Are clients aware that they are communicating with AI?

Yes. The first message introduces Tikli as the office's digital service, and clients may ask to speak with their advisor at any stage.

Where are the documents stored?

In a dedicated folder in your office's Google Drive. We do not maintain a database of client documents.

What does it cost?

Pilot terms are agreed individually with each office. Please get in touch and we will respond promptly.