The end-to-end
AI underwriting platform
for Bravo Funding Solutions.
Written specifically for Raymond and Tom. It addresses the four things you asked us to prove: end-to-end AI underwriting, zero-effort document automation, bank-grade security, and pricing that respects how you actually run the firm.
BOT2DO
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Bravo Funding
Plainfield, IL · April 2026 · v2.0
Four questions. Four honest answers.
This entire proposal is organized around the four concerns Raymond raised. Every slide from here on is an answer — proven with a live mockup, real numbers, and signed guarantees.
Can Bot2Do actually run end-to-end commercial underwriting?
Answered on slides 4-8. Live underwriting console, document AI, 48-rule credit policy, and complete audit trail — production mockups, not concepts.
Borrowers are lazy with docs — how does this fix it?
Answered on slides 9-11. Borrowers upload once; AI parses, cross-checks, validates. No more email chasing. 96% extraction accuracy.
Borrower data is sensitive — is this actually secure?
Answered on slides 12-14. SOC 2 Type II · GLBA Safeguards · AES-256 · MFA · 84K threats blocked (30d) · zero breaches across all Bot2Do clients since 2019.
What does this actually cost Bravo?
Answered on slides 15-17. Three ways to start — including a $0-setup 60-day pilot and a pay-as-you-close option with no fixed cost. Less than a third of nCino.
Bravo's process is excellent —
and it leaks 31 days on paperwork.
Raymond and Tom do the hard work — pricing, structuring, matching. Everything else — qualifying inbound, chasing docs, drafting term sheets, sequential lender outreach — is friction. That's what AI removes.
| Process step | Today | With Bot2Do | Time recovered |
|---|---|---|---|
| 1 · Initial inquiry | Static contact form, manual triage | AI Concierge in < 60 sec, 24/7 | − 1–2 d |
| 2 · Pre-app consultation | Phone + email back-and-forth | Smart Portal pre-loads Tom's call | − 1 d |
| 3 · Quotation | ~48 hours manual | Indicative quote in < 5 min | − 1 d |
| 4 · Letter of Intent | Manual draft, paper sign | Templated LOI, e-signed inline | − 2 d |
| 5 · Underwriting & docs | 2–4 weeks · the bottleneck | Bot2Do UW engine · < 4 hours | − 14–21 d |
| 6 · Lender bidding | Sequential to ~5 lenders | Parallel bidding to 20+ matched | − 4–7 d |
| 7 · Final processing & close | Manual coordination | Workflow + borrower app | − 3–5 d |
| TOTAL | ~ 45 days | ~ 14 days | − 31 days · 3× capacity |
Underwriting, end-to-end —
orchestrated by Bot2Do, approved by Tom.
Eight stages. Every stage automated where possible. Every judgment call still Tom's. A complete decision, with a printable audit trail, in under 4 hours for a typical deal.
Intake & KYC
Concierge qualifies · Plaid + Onfido + Equifax · OFAC screen · entity verified.
Docs & extraction
14 doc types parsed in parallel · cross-referenced · low-conf flagged to Tom.
Risk model & policy
DSCR · LTV · cap · stress test · 48 credit-policy rules auto-checked.
Decision + term sheet
Tom reviews exceptions · approves · LOI drafted · released to lender bidding.
The console — a live $8.4M refi in 8 minutes.
Meridian Ridge Apts — $8.4M refi
8 stages · 0h 08m so far
Not a black box — a decision Raymond can explain to any regulator.
Every underwriting rule Tom would manually check is now automated and auditable. Edit or disable any rule. Every deal generates a printable "why we said yes / why we said no" report.
Sponsor & entity
FICO floors · net worth · liquidity · years in business · prior Bravo deals · KYC · OFAC · AML screening.
Property & collateral
Appraisal value · cap rate vs market · occupancy · tenant concentration · condition · environmental · title.
Cash flow & ratios
DSCR floor · stressed DSCR · LTV cap · NOI consistency · T3 vs T12 · rent growth · debt yield.
Lender fit & pricing
Product match · loan size band · geographic mandate · historical win-rate · pricing reasonableness · timing.
46 / 48 rules passed · 2 warnings routed to Tom · 0 blockers
Warning 1: NOI reconciliation delta 3.5% between rent roll & tax return. Warning 2: 2 low-confidence fields in PFS need borrower confirmation (87% OCR).
AI does the work. Tom still makes the calls.
Nothing in this platform is a black box. Every exception, every edge case, every judgment call is routed to Tom with a pre-populated file, an explanation, and a recommendation — but the decision stays with the senior human.
Green-path deals
Deals that pass all 48 rules with high confidence release to lender bidding automatically.
Tom's exception queue
1-3 rule warnings, low-confidence OCR, novel lender fits — queued with context. Tom resolves in minutes.
Raymond-grade deals
Large or novel structures — platform assembles the full underwriting brief for Raymond's discretion.
"The machine surfaces the decisions. Tom still makes them. Everything is explainable and printable. Bravo's borrowers and Bravo's lenders get more of Tom, not less."
An audit trail a regulator would envy.
Every single event in every single deal — borrower action, AI decision, Tom's override — cryptographically logged, tamper-evident, and exportable as PDF in one click. Designed for GLBA and SOC 2 examinations.
Borrowers hate paperwork. So we ended it.
The real reason deals take 45 days isn't Bravo — it's borrowers stalling on documents. Bot2Do flips that: upload once via camera or drag-drop, AI parses, cross-references, validates. 96% extraction accuracy. Zero email chasing.
The 45-day paper chase
- ✗Tom emails borrower for 14 documents
- ✗Borrower sends wrong / incomplete files
- ✗Analyst manually re-keys into spreadsheet
- ✗Tom follows up · borrower delays · LOI expires
- ✗2-4 weeks lost on paperwork, not judgment
One upload. Everything parses.
- ✓Borrower uploads once · phone camera OK
- ✓AI classifies & parses · 18 CRE types
- ✓Cross-referenced against Plaid + IRS + public
- ✓Auto-posted to underwriting file · 96% accuracy
- ✓Exceptions flagged to Tom in minutes, not weeks
A rent roll before and after AI — 9 seconds of processing.
| Item | Value |
|---|---|
| Total units | 128 |
| Occupied | 122 (95.3%) |
| Gross Potential Rent (month) | $ 80,420 |
| Vacancy loss | $ 3,420 |
| Actual rent collected | $ 77,000 |
| Other income | $ 3,465 |
| Effective GI (annual) | $ 965,580 |
bot2do-cre-ocr-v3.2 · 9.2s · 99.1% conf
Every document Bravo asks for — already supported.
18 CRE document types trained on 14,000+ real examples. Exotic templates trained in ~48 hours.
Property documents
- Rent rolls · all PM formats99%
- Operating statements · T12 / T398%
- Appraisal reports · 80-200 pp94%
- Environmental Phase I95%
- Property photos & surveys92%
Financials
- Form 1040 · personal95%
- Form 1120 & 1120-S95%
- Form 1065 & K-197%
- Bank statements · all banks96%
- Personal financial statement93%
- Schedule of real estate97%
Legal & closing
- LLC operating agreement96%
- Title commitment98%
- Insurance binders99%
- Payoff letters99%
- Settlement statements98%
- Leases & abstracts94%
- Credit reports (Equifax)100%
Built on the security stack Bot2Do runs for Fortune 500 banks.
Bravo handles tax returns, bank statements, and personal financial statements — the most sensitive data in consumer finance. Our security posture is engineered for exactly this workload.
SOC 2
GLBA
ISO 27001
CCPA
NIST CSF
FinCEN
Every GLBA control — already in place.
The 2023 update to the GLBA Safeguards Rule mandated specific controls for financial data. Each mandate maps to a Bot2Do control on day one.
| GLBA control | Citation | Bot2Do implementation | Status |
|---|---|---|---|
| Encryption at rest & in transit | §314.4(c)(3) | AES-256 at rest · TLS 1.3 · per-tenant KMS keys | ENFORCED |
| Multi-factor authentication | §314.4(c)(5) | TOTP / Passkeys for staff + borrowers accessing NPI | ENFORCED |
| Role-based access control | §314.4(c)(1) | 9 roles · least-privilege · field-masking on SSN / TIN | ENFORCED |
| Immutable audit logging | §314.4(c)(6) | Every access & export cryptographically logged | ENFORCED |
| Annual penetration testing | §314.4(d)(2) | Bishop Fox · 2026 test · zero critical findings | CURRENT |
| Vulnerability assessment | §314.4(d)(2) | Daily Qualys scans · critical remediate < 24h | UP-TO-DATE |
| Written infosec program | §314.3 | Board-approved WISP · quarterly · NIST CSF 2.0 | DOCUMENTED |
| Incident response program | §314.4(h) | 24/7 SOC · 15-min Sev-1 · 72-hr regulatory | OPERATIONAL |
| Vendor oversight | §314.4(f) | All sub-processors SOC 2 attested | ALIGNED |
| Secure disposal | §314.4(c)(4) | Cryptographic erasure · right-to-delete in 30 d | ENFORCED |
Five layers of protection — from upload to retrieval.
Every borrower document passes through five distinct protection layers. No single failure exposes Bravo's borrowers. No Bot2Do model is ever trained on Bravo data.
Portal intake
HTTPS · validation · no cookie leak
Ingress
Cloudflare · OWASP · rate limiting
AI processing
Bravo data never trains public models
Storage
Per-tenant keys · field-level on SSN
Retrieval
Role-checked · logged · PII masked
A custom, fully-owned platform — for less than a Big-4 Proof of Concept.
Bravo is commissioning a proprietary AI platform — owned outright, with complete data portability and zero vendor lock-in. Here is what the same scope costs elsewhere in the market (April 2026).
| Vendor category | One-time build | Annual maint. | Timeline | You own code | Fit for Bravo |
|---|---|---|---|---|---|
| Big-4 Consulting Deloitte Digital · Accenture · McKinsey Digital | $ 1.2M – $ 3.5M | $ 400K – $ 900K | 18 – 24 mo | ◐ partial | ✗ overkill |
| Mid-size IT Cognizant · Infosys · Wipro · TCS · EPAM | $ 650K – $ 1.5M | $ 180K – $ 450K | 12 – 18 mo | ✓ yes | ◐ no CRE expertise |
| Boutique fintech Kin+Carta · 10Pearls · Softjourn | $ 400K – $ 800K | $ 120K – $ 250K | 9 – 14 mo | ✓ yes | ◐ generic CRE |
| SaaS licensing nCino · Blend · Ocrolus · Blooma | $ 80K – $ 300K setup | $ 100K – $ 180K | 6 – 9 mo | ✗ you rent | ✗ not CRE-broker |
| Bot2Do for Bravo ★ RECOMMENDED · purpose-built |
$ 285,000 | $ 78,000 | 4 months | ✓ 100% | ✓ purpose-built |
Bravo pays ~ 78% less than the Big-4 custom build — and owns the code forever.
Same scope (end-to-end UW, Document AI, lender bidding, mobile, security). Same IP ownership. Same SOC 2 / GLBA rigor. No partner overhead. No billable hierarchy. No procurement cycles.
Every hour, every dollar — itemized upfront.
Fixed-price SOW · 12 workstreams · 1,490 engineering hours · milestone-based billing · no change-order surprises.
$ 78,000 / yr, all-in. $ 597K over 5 years.
Everything after go-live — hosting, AI, 3rd-party APIs, security audits, support, model retraining. One invoice. Capped annual escalation.
Annual maintenance breakdown
5-year TCO — vs market
Four guarantees Raymond should expect — in writing.
These aren't talking points. Every one goes into the signed MSA. If any one fails, Bravo can walk.
$ 285,000 is a hard ceiling — no overruns, no surprises.
Scope changes require mutual written agreement. No "change orders" during the 4-month build. If we go over hours, Bot2Do eats the difference.
Bravo owns the code. Escrow release on day one of go-live.
Full source, infrastructure-as-code, and documentation placed in escrow at go-live. Released to Bravo unconditionally at any time. No hostage-taking.
$ 10M cyber-insurance indemnity per incident.
Bot2Do's AIG cyber policy named to Bravo. Full indemnification for any breach caused by our infrastructure, code, or sub-processors.
99.99% monthly. Credits auto-computed, no disputes.
Any month under 99.99%, Bravo receives 10× the downtime as credit against next invoice. Datadog-measured. No tickets, no arguments.
Value in 45 days. Full platform in 4 months.
Each phase delivers standalone value. Pause, scale, or change direction between any two phases. We start with the highest-leverage modules first.
Discovery & setup
- Walkthrough w/ Raymond & Tom
- bravofundingsolutions.com audit
- Lender onboarding (Tier 1)
- SOC 2 / GLBA data agreement
Concierge + Portal live
- AI Concierge embedded
- Smart Portal · 5 flows
- Document AI · top 5 types
- Tom closes first AI-assisted deal
Underwriting + bidding
- End-to-end UW console
- Risk & Pricing Analytics
- Operations Command Center
- Borrower Mobile App (beta)
Copilot + scale
- Knowledge Copilot trained
- Comms Engine live
- Mobile app GA · App Store
- Full source-code handover
The same AI & data team trusted by Fortune 500s.
Bot2Do Technologies specializes in enterprise AI, cloud, and data engineering. We run production AI workloads for some of the most demanding brands in the world — the same team, the same stack, the same uptime will serve Bravo.
Three steps to your first
AI-qualified Bravo deal.
AI Concierge live on bravofundingsolutions.com within 21 days. Smart Portal capturing real applications by day 45. Tom closing the first AI-assisted deal before day 90.
Discovery call
60-min session with Raymond, Tom and Bot2Do delivery lead. Confirm scope, lender list, brand assets. Sign mutual NDA.
Pilot kickoff
SOW signed. AI Concierge engineered, branded, embedded. SOC 2 / GLBA agreement executed. First lender API integrations.
Concierge live
Bravo AI Advisor on your website. Real leads qualifying themselves into Tom's calendar — 24/7.
Ready when you are, Raymond.
Reply "send the SOW" — the $ 285K fixed-price Statement of Work, 4-month project plan, and security addendum arrive in your inbox within 24 hours.
"If at minute 20 of a demo it isn't obvious this saves you two weeks per deal, we walk away with a handshake."