Proposal
Project: Financify — Fintech Lead‑Generation & Matching Platform
Prepared for: Financify (Founder: DaQuan Swain)
Date: September 1, 2025
Prepared by: XO
1) Executive Summary
Financify connects Bahamian consumers to local financial institutions by collecting borrower information and matching them to pre‑qualified loan/mortgage offers via a configurable rules engine. This proposal translates your Scope of Work (dated July 31, 2025) into an actionable delivery plan. The build prioritizes security, usability, and an admin‑friendly rule management workflow so the Financify team can manage partner criteria without engineering support.
Timeline
Efficient delivery within 6-8 weeks with clear milestones
Fixed Fee
$10,000 total with $5,000 initiation fee
Key Focus
Security, usability, and admin-friendly rule management
2) Scope of Work
This section outlines the comprehensive scope of work for the Financify platform, aligned with the previously submitted Statement of Work. The scope encompasses frontend development, admin panel functionality, rule-based matching engine, notifications, integrations, and security measures.
2.1 Frontend (Responsive Web App)
Pages and flows included:
Homepage
Value proposition, partner highlights, primary CTA.
How It Works
Step‑by‑step with illustrations.
Loan & Mortgage Match Form
Multi‑step with autosave:
- Loan type (personal, mortgage, car, business)
- Amount, income & employment, credit score range, age, location
- Property‑specific fields (for mortgages)
- Bank preference (optional)
User Dashboard (Authenticated)
View previous applications, matched offers, status.
Partner Bank Profiles
Basic pages listing partner institutions & products.
Blog/News (Optional)
Static posts capability; CMS optional add‑on (see §9).
Contact
Inquiry form and support info.
Legal Pages
Terms, Privacy, Cookies (content provided by Financify).
2.2 Admin Panel
User Management
Search, filter, view application details.
Bank Partner Management
Create/edit partner profiles, offer metadata.
Rule Engine Management
Create, edit, enable/disable rules; versioning & audit log (lightweight); rule test harness.
Analytics Dashboard
Application counts, conversion funnel, export (CSV).
The admin panel provides Financify team members with comprehensive tools to manage users, bank partners, matching rules, and performance analytics without requiring engineering support for day-to-day operations.
2.3 Rule‑Based Matching Engine
Inputs
Loan type/amount, income range, employment, credit score, age, location; property details for mortgages.
Logic
Declarative IF–THEN rules (JSON schema) evaluated server‑side. Example: IF income > 2500 AND credit_score >= 650 THEN eligible = Bank A (personal).
Outputs
Ranked matches with basic APR/term/notes; graceful "no match" fallback; lead routing via CSV export and email notifications.
Rule Builder UI
Guided field pickers, comparators, thresholds; preview mode to test a sample borrower before publishing.
The rule-based matching engine is the core of the Financify platform, enabling precise matching of applicants to financial products based on configurable criteria that can be managed directly by the Financify team.
2.4 Notifications & Integrations
Email
Transactional emails to applicants and admins (SendGrid/Mailgun/SES; one provider configured).
Analytics
GA4 or Plausible (one provider configured).
Lead Export
CSV download from Admin; optional automated daily CSV to partner inbox.
The notification and integration systems ensure smooth communication between Financify, applicants, and financial institution partners while providing valuable analytics on platform performance.
2.5 Security & Compliance
Transport Security
HTTPS and encryption at rest (managed DB).
Access Control
Least‑privilege RBAC for Admin roles; session‑based auth.
Data Privacy
GDPR‑aligned data handling (consent, export/delete by request).
Audit Logging
Audit logging of rules changes and admin sign‑ins (lightweight).
Security and compliance are foundational elements of the Financify platform, ensuring that sensitive financial and personal information is protected while maintaining regulatory alignment.
3) Deliverables
Web Application
Responsive web application with pages and flows in §2.1
Admin Dashboard
Admin Dashboard with modules in §2.2
Rule Engine
Production‑ready Rule Engine & Rule Builder UI (§2.3)
Integrations
Email notifications & Analytics integration (§2.4)
Lead Routing
Lead routing via CSV export; optional scheduled email of CSV
Documentation & Training
Technical documentation, admin handbook, and 1× training session (60–90 min)
Deployment
Deployment support to your chosen environment
These deliverables represent the complete Financify platform solution, providing all necessary components for successful launch and operation.
4) Timeline & Milestones (6–8 Weeks)
Target duration: 7 weeks (1 week buffer)
1
Week 0–1 — Kickoff & Foundations
- Workshops: confirm user journeys, data fields, and rule schema
- UI for key screens; design system tokens
- Infra setup (repo, CI/CD, hosting scaffolding, DB schema)
2
Week 2 — Core App & Auth
- Auth + user dashboard scaffolding; form architecture & autosave
- Admin shell (navigation, RBAC), analytics/event tracking
3
Week 3 — Multi‑Step Form & Data Model
- Implement all form steps & validations; dashboard history views
- Seed partners & offers data model; bank profile pages
4
Week 4 — Rule Engine v1 & Admin Tools
- Server‑side rule evaluator (JSON rules); test harness
- Admin: partner management; initial rule builder UI
5
Week 5 — Matching UX, Notifications & Exports
- Match results UI (ranked list, APR/terms), "no match" handling
- Email notifications (applicant + admin); CSV export
6
Week 6 — QA, Security Pass, UAT
- Cross‑browser/responsive QA; PII data review; performance pass
- UAT with Financify; content load; feedback triage
7
Week 7 — Launch & Handover
- Production deployment, runbook, admin training
- Post‑launch watch & polish
Dependencies (to stay within 6–8 weeks): timely approval of UI, rule field list, legal copy, and partner data.
5) Commercials
$10,000
Fixed Fee
Total project cost
$5,000
Initiation Fee
Due upon acceptance
$5,000
Final Payment
Due on go-live
Fixed Fee: $10,000
Payment Schedule: $5,000 initiation (upon acceptance) + $5,000 on go‑live
Validity: 30 days from proposal date
Change Requests: Out‑of‑scope items are billed time‑and‑materials on written approval. Material scope changes may affect timeline.
6) Assumptions & Client Responsibilities
Brand Assets & Content
Financify provides branding assets, legal copy (Terms/Privacy/Cookies), and initial partner data/ rules.
Service Providers
Single email provider & single analytics provider are included (one of: SendGrid/Mailgun/SES; GA4/ Plausible). Additional providers are out of scope.
Hosting & Infrastructure
Hosting/infra accounts (e.g., Vercel/AWS/GCP) are provided by Financify; we will assist with deployment/config.
Feedback Cycles
Two (2) feedback cycles per milestone (minor UI/text changes included). Larger UX redesigns or new features are CRs.
Integrations Scope
No credit bureau/KYC integrations in v1 (see §9 Optional Add‑Ons).
7) Warranty & Support
30-Day Warranty
Bug fixes for features delivered in this scope.
Covers all functionality described in the scope of work for a period of 30 days following project completion.
Post-Warranty Support
Available on a retainer or per‑request basis.
Ongoing support options can be discussed and arranged based on Financify's needs after the warranty period.
Our warranty and support options ensure that Financify has the necessary assistance during the critical post-launch period and flexible options for ongoing maintenance.
8) Confidentiality & IP
All client data and materials remain confidential. Source code and deliverables for the commissioned work transfer to Financify upon final payment (excluding pre‑existing libraries and open‑source dependencies under their respective licenses).
Confidentiality
All client information, business models, and proprietary data will be kept strictly confidential.
Intellectual Property
Full ownership of custom code and deliverables transfers to Financify upon final payment.
Open Source
Third-party libraries and dependencies remain under their original licenses.
9) Optional Add‑Ons (Quoted Separately)
Headless CMS Integration
Manage blog posts, news, and static content with full editorial control.
CRM & Partner APIs
Integrate with CRM platforms for lead export and real-time data exchange.
Advanced Identity & Credit Checks
Incorporate third-party KYC/identity verification and credit score lookups.
Dedicated Partner Portal
Secure portal for partners to view, manage, and track leads.
Enhanced Communication Channels
Extend notifications to SMS, WhatsApp, and webhook-based lead pushing.
Comprehensive Analytics & Reporting
Unlock deeper insights with advanced analytics, custom event funnels, and interactive dashboards.
SOC 2 Readiness & Audit Logs
Consulting for SOC 2 readiness, including enhanced audit logging.
10) Project Communication
Communication Channels
Dedicated Slack/Telegram channel + weekly status calls
Project Tracking
Shared tracker for milestones, risks, and decisions
Clear communication channels and a structured approach to project management will ensure transparency and alignment throughout the development process.
Next Steps: Bringing Your Vision to Life
To ensure a smooth and efficient start, here are the immediate next steps to kick off the project and begin development.
Proposal Approval & Payment
Formal approval and initial payment officially greenlight the project and allow us to commence work.
Project Setup & Access
We'll establish communication channels and gain access to infrastructure accounts to begin environment setup.
Kickoff Workshop & Rule Schema
A kickoff workshop will align project details and confirm the rule schema for precise execution.
Completing these steps promptly ensures a smooth transition to active development and adherence to the projected timeline.