Persona 01
Independent mortgage brokers
Pain
Intake is manual, document collection is slow, and you chase paper instead of deals.
Outcome
Intake through prequalification running itself — more volume without more headcount.
AI for Small Business — Lending & Finance
Lending runs on paperwork.
AI can carry
the load.
Intake, qualification, document collection, servicing — every loan brings the same paperwork, and in a small shop it lands on the same few people. We help independent lenders and mortgage businesses put AI on that load: intake that prequalifies itself, documents extracted instead of retyped, follow-up that doesn't slip — with compliance logging and human review where it matters. Built by operators who run private lending and loan servicing businesses themselves.
Plans
From $800/mo
Engagement
Month-to-month
Entry point
Free consult
What we deliver
Specific deliverables.
No vague outcomes.
Every engagement ends with something you can point at. Code that runs, documents that inform decisions, teams that got better. No fluff, no deck-only deliverables.
01
Borrower intake that runs itself
Conversational intake via web, SMS, or voice that prequalifies borrowers, collects documents, flags missing items, and routes qualified leads to you.
02
Documents extracted, not retyped
Bank statements, pay stubs, T-12s, rent rolls, W-2s, tax returns — structured into your LOS or a spreadsheet in minutes, with human review for anything uncertain.
03
Pipeline follow-up that doesn't slip
Deals stuck at a stage get flagged, borrower and broker updates get drafted, and urgent items get routed — leverage for a small team, not a replacement for it.
04
Servicing busywork, automated
Payment reminders, payoff prep, statement generation, and routine borrower communication — integrated with your servicing platform.
05
A broker CRM that stays clean
Deduped, scored, and segmented, with next-best-action suggestions per borrower — tuned to how your shop actually closes.
Methodology
How we work.
Predictable. Scoped. Priced.
Value first: free consult maps where AI pays off for you. Published floors for productized systems (final scope in writing after we know the leak): $800 Foundation (usually borrower intake or document extraction, done for you), $1,500 Growth (2–3 workflows plus monthly optimization and pipeline reporting), $3,000 Fractional AI Ops (the full intake-to-servicing program, with a private AI setup for borrower data). Month-to-month. Optional $1,500 AI Audit credits to first month within 30 days.
Phase 01
Diagnose
Free consult
We walk your pipeline, document flow, and servicing setup together — including the compliance environment. Costs nothing.
Phase 02
Design
First week
We pick the first win — usually intake or document extraction — and quote it in writing, with compliance logging designed in from the start.
Phase 03
Deploy
Weeks, not quarters
We build in shadow mode first, then go live with human oversight — extraction running, intake routing, follow-up going out.
Phase 04
Develop
Ongoing
We train your LOs, processors, and servicers, document the audit trail, and stay available month-to-month.
Who it's for
You might be one of these.
Persona 02
Small private and hard-money lenders
Pain
Deal flow is spiky; underwriting and document extraction bottleneck on one or two people.
Outcome
Extraction and screening that absorb the spikes, tuned to your product mix.
Persona 03
Small servicing desks
Pain
Payment chasing, borrower communication, and payoff prep eat the week.
Outcome
Routine servicing work automated, so your team handles the exceptions.
What you leave with
Measurable outcomes.
We don't sell effort. We sell results. Every engagement is scoped against specific outcomes — and we measure them before and after.
- 01AI help priced for an independent shop — not an enterprise engagement
- 02Intake triaged toward prequalification without manual chasing
- 03Document extraction handling the recurring paperwork load
- 04A compliance audit trail logged on every AI action
- 05Servicing communication volume absorbed by automation
- 06Your team trained to run — and extend — every system
Questions, answered
What you want to know.
Is this compliant with lending regulations?
Every system we set up logs AI actions for audit trails, and the systems stay out of underwriting decisions — AI extracts and recommends, humans decide. For regulated environments, we design the data flow with your compliance counsel.
Do you replace our LOS?
No. We integrate with your existing LOS — Encompass, Calyx, Byte, custom. The AI layer adds intake, extraction, and automation on top of what you already run.
How much does this cost for a lending business?
Published floors for productized monthly systems (value conversation first; final scope in writing): $800 Foundation — one flagship workflow done for you, usually borrower intake or document extraction; $1,500 Growth — add pipeline follow-up and CRM upkeep, with monthly optimization and reporting; $3,000 Fractional AI Ops — the full intake-to-servicing program, with a private AI setup so borrower data stays in your environment. Exact scope is quoted in writing. Start with a free consult; the $1,500 AI Audit credits in full toward your first month if you continue within 30 days.
Do you work with non-QM, DSCR, or hard money?
Yes — non-QM, DSCR, fix-and-flip, bridge, and hard money are areas we know firsthand. Francisco runs private lending and loan servicing businesses in these categories, so we understand the document flow and the requirements.
What about TRID, RESPA, and fair lending?
Our systems don't make underwriting decisions or set prices — they extract data, prequalify against your stated criteria, and route. Fair-lending compliance remains your team's responsibility; our audit logs support their work.
What data-security measures do you use?
Borrower PII is handled on a need-to-touch basis, and for sensitive workloads we set up the private path — AI running in your own environment, so data never leaves it. We coordinate with your infosec or compliance requirements as needed.
Do I have to commit to a long contract?
No. Everything is month-to-month, and audits and workshops are one-off fixed fees. Lending is cyclical — your AI spend should be able to flex with it.
Start with Lending & Finance
Ready when you are.
Free consult. Honest scope.
Tell us the conversion job and what you already have. We reply within 24 hours with feasibility, package floor fit, and whether a project is the right spend yet. No pitch theater.
