CarePal Money came to us with a partner deal, a runway clock, and no engineering team. Six weeks later they were live, compliant, and disbursing real loans.
CarePal Money’s CEO approached Solprime with a closed lending partnership but no platform to operationalize it. Their constraint was brutal: their partner had given them a 60-day window to go live, or the deal would lapse. They had no in-house engineering team and three failed conversations with traditional dev shops who had quoted 5–6 months and $250,000+.
They needed three things at once: a borrower-facing onboarding flow, a working lending engine integrated with bureau and KYC providers, and a partner-side reconciliation system. All production-grade. All compliance-ready. All in under two months.
CarePal Money’s CEO told us in our first call that every other agency had pitched them a “discovery phase.” They didn’t have time for discovery — they had a deal closing. We scoped the build in a 90-minute working session and committed to a 6-week timeline with weekly visible sprints. No black box. No surprises.
We also brought something the other agencies didn’t: an AI-native build philosophy. From day one, AI wasn’t a feature bolted on at the end — it was baked into underwriting decisioning, document parsing, and borrower support.
A mobile-first onboarding flow with bureau pull, video KYC integration, and document upload. We integrated three KYC providers with automatic failover so dropout rates stayed below 12% even when one provider had downtime.
A rules-plus-ML decisioning layer. Hard rules handle compliance and policy gates; a lightweight ML scorer handles thin-file applicants where bureau data is incomplete. LangChain orchestration for document understanding — salary slips, bank statements — with structured output extraction running against Claude and a fallback to a fine-tuned smaller model for cost control.
Real-time API integrations with three lending partners, each with their own contract terms, repayment schedules, and reconciliation formats. We built a unified abstraction so CarePal Money’s team could onboard a fourth partner in days, not weeks.
Full audit trail of every decision, every document, every disbursement — built compliance-ready from day one. SOC2-aligned logging, role-based access, and an ops console for CarePal Money’s customer-success team.
Six one-week sprints. Full visibility at every gate. CarePal Money’s CEO could see working software on Friday of every week — not slides, not a status update, a running build.
Locked the full architecture in a 2-day working session. Signed off integration contracts with all three lending partners. Defined the data model, the decisioning contract, and the compliance logging schema. Borrower flow wireframes signed off by Friday.
Shipped the full borrower onboarding flow with all three KYC integrations and automatic failover. Bureau pull wired and tested. CarePal Money’s team could complete a test application end-to-end by Friday standup. Dropout rate in testing: under 10%.
Built the rules engine and the AI document-parsing layer. LangChain orchestration live, Claude extraction running against salary slips and bank statements with structured output. First test loan decisioned by AI on Thursday. Hard rules layer reviewed with CarePal Money’s compliance advisor.
All three lending partner APIs integrated. Reconciliation formats built for each. Money movement tested end-to-end in sandbox — loan application through to simulated disbursement and repayment schedule generation. The unified abstraction layer was already working well enough that CarePal Money’s CEO started mapping their fourth partner.
Internal ops tooling built: loan queue, manual review workflow, reconciliation dashboard, and role-based access for CarePal Money’s customer-success team. SOC2-aligned audit logging wired throughout. External security review completed. UAT with CarePal Money’s team — nine issues found, all resolved by Thursday.
Production push on Tuesday. Final smoke tests Wednesday morning. First real loan disbursed Thursday afternoon. We stayed on standby for the next 14 days under our Operate SLA — monitoring production, handling the first edge cases, and handing off a stable platform to CarePal Money’s team with full runbooks.
Numbers from the first quarter of live operation. Every figure below reflects real borrower behaviour and real money movement on the production platform.
We came to Solprime with a partner deal, a runway clock, and no engineering team. Six weeks later, we were live and disbursing real loans. Six months in, we’ve crossed $8M+ in disbursements — and the same architecture still runs the business. They didn’t just ship us an MVP; they shipped us infrastructure.
If you’re a founder with a closed partnership, a runway clock, or an investor expectation that you’ll ship by a specific date, the lesson from this build is straightforward: the bottleneck is almost never the technology — it’s the operating model of the team building it. Six-month timelines from traditional agencies are an artifact of how they staff and bill, not how long the actual work takes.
We built this in six weeks because we ran it as six one-week sprints with full visibility, made the AI layer a first-class architectural decision rather than an afterthought, and stayed on the platform after launch instead of handing off the mess.
If you’re staring at a partner deal, a regulator deadline, or a runway clock — and you need a team that ships AI-native, production-grade software in weeks rather than quarters — let’s talk.