Investment & competitive pricing analysis

Custom-built, fully-owned AI platform —
for less than nCino's setup fee alone.

Bravo is not licensing software. Bravo is commissioning a custom, proprietary AI platform — owned outright, with complete data portability and zero vendor lock-in. Transparent, itemized pricing below. Full market-rate comparison included.

One-time · development & delivery

$ 285,000

12-line itemized breakdown of the 4-month build. Fixed-price SOW. No overruns.

Annual · maintenance & ops

$ 78,000 / yr

Hosting, AI costs, 3rd-party APIs, security, support — all-in.

5-year TCO vs market

~ 3.5× cheaper

Than a comparable Deloitte / Accenture engagement. Comparable in scope. You own the code.

Market landscape

What custom AI-platform development costs in today's market.

Pricing compiled from published rates, published SOWs, and industry estimates for comparable commercial-lending AI platform builds · April 2026.

Vendor category · example firms	One-time build	Annual maintenance	Timeline	You own code	Fit for Bravo
D Big-4 Consulting Deloitte Digital · Accenture · McKinsey Digital · IBM iX	$ 1.2M – $ 3.5M	$ 400K – $ 900K	18 – 24 months	◐ some IP retained	✗ overkill · too slow
C Mid-size IT / Offshore-blend Cognizant · Infosys · Wipro · TCS Digital · EPAM	$ 650K – $ 1.5M	$ 180K – $ 450K	12 – 18 months	✓ yes	◐ no CRE expertise
B Boutique Fintech Consultancies Kin + Carta · 10Pearls · Softjourn · Arcanite	$ 400K – $ 800K	$ 120K – $ 250K	9 – 14 months	✓ yes	◐ generic CRE
S SaaS Licensing (not custom) nCino · Blend · Ocrolus · Blooma · Zeitro	$ 80K – $ 300K setup	$ 100K – $ 180K	6 – 9 months	✗ no · you rent	✗ not CRE-broker
B² Bot2Do Technologies ★ RECOMMENDED Custom-built for Bravo · same team serving Fortune 500s	$ 285,000	$ 78,000	4 months	✓ 100%	✓ purpose-built

Bravo pays ~ 78% less than Big-4 custom build —
and gets the same outcome, in half the time.

Same scope (end-to-end UW, document AI, lender bidding, mobile, security). Same IP ownership. Same SOC 2 / GLBA rigor. One-third to one-quarter of the cost. The difference: no partner overhead, no billable hierarchy, no procurement cycles.

Savings vs. Big-4 midpoint

~ $ 2.1M

over a 5-year horizon · $2.35M midpoint Big-4 minus $675K Bot2Do

Detailed one-time investment

Every hour. Every dollar. Itemized.

Fixed-price Statement of Work. Twelve workstreams. Hours and rates published openly — no hidden margin games, no change-order surprises.

One-time development & delivery

4-month fixed-price build · milestone-based billing · SOW signed up-front

Workstream	Hours	Blended rate	Subtotal
01 · Discovery & architecture Workflow mapping with Raymond & Tom · solution architecture · tech-stack selection	80 h	$ 175 / h	$ 14,000
02 · AI Loan Concierge NLP chatbot · qualification flow · calendar integration · website embed	120 h	$ 160 / h	$ 19,200
03 · Smart Application Portal 5 product flows · conditional logic · e-sign · borrower accounts	160 h	$ 160 / h	$ 25,600
04 · Document AI customization Fine-tune for 18 CRE doc types · extraction pipeline · confidence scoring · HITL review	180 h	$ 210 / h	$ 37,800
05 · End-to-end underwriting engine 8-stage workflow · 48-rule credit policy · DSCR / LTV / stress-test models · decision engine	220 h	$ 210 / h	$ 46,200
06 · Lender Bidding Engine Lender network onboarding · ML matching · parallel bid orchestration · counter-offer flow	140 h	$ 180 / h	$ 25,200
07 · Risk & Pricing Analytics Cap-rate models · SBA eligibility checker · fraud signals · pricing recommendation engine	100 h	$ 200 / h	$ 20,000
08 · Operations Command Center Dashboards · pipeline · funnel · AI activity feed · exports	90 h	$ 160 / h	$ 14,400
09 · Borrower Mobile App iOS + Android (React Native) · status, docs, e-sign, chat, notifications · App Store submission	160 h	$ 160 / h	$ 25,600
10 · Security & compliance setup SOC 2 Type II controls · GLBA Safeguards · AES-256 / TLS 1.3 · RBAC · audit logging · pen test	80 h	$ 200 / h	$ 16,000
11 · Third-party integrations Plaid · Onfido · Equifax · DocuSign · Twilio · SendGrid · Calendly · AWS Textract	100 h	$ 160 / h	$ 16,000
12 · Training, docs & handover Raymond & Tom training · admin training · runbooks · source-code handover · 30-day hypercare	60 h	$ 150 / h	$ 9,000
Development subtotal 12 workstreams · 1,490 hours · blended $ 186 / h	1,490 h	—	$ 269,000
Project management (6% overhead) Dedicated PM · weekly status · milestone tracking · risk log	incl.	fixed	$ 16,000
TOTAL — ONE-TIME	—	—	$ 285,000

Annual maintenance & operations

All-inclusive · 12-month renewable term · full breakdown

AWS cloud hostingMulti-region, 24/7, DR

$ 18,000

AI & ML API costsOpenAI · Anthropic · AWS Textract

$ 14,400

Third-party data & APIsPlaid · Onfido · Equifax · DocuSign

$ 12,000

Security audit & pen testBishop Fox annual engagement

$ 8,000

SOC 2 Type II renewalIndependent auditor + reports

$ 5,500

Customer success + 24/5 supportNamed success lead · response SLAs

$ 10,000

Bug fixes & minor improvements~40 hrs / mo included

$ 6,000

Model retraining & data pipelineDocument AI re-tuning quarterly

$ 4,100

Annual all-in

$ 78,000/ yr

5-year total cost of ownership

Over five years, the gap becomes impossible to ignore.

Same scope of work. Same outcome. Build + 4 years of maintenance. Figures shown at category midpoint.

Big-4 Consulting

$2.35M build + $650K × 4 yrs

$ 4.95M

$ 4,950,000

Mid-size IT

$1.08M build + $315K × 4 yrs

$ 2.34M

$ 2,340,000

Boutique Fintech

$600K build + $185K × 4 yrs

$ 1.34M

$ 1,340,000

SaaS licensing

$190K setup + $140K × 5 yrs, you never own it

$ 890K

$ 890,000

Bot2Do for Bravo

$285K build + $78K × 4 yrs · you own the code

$ 597K

$ 597,000

Why custom-built beats SaaS licensing for Bravo

You own it. Forever.

OWN · Bot2Do build

What Bravo gets with Bot2Do

Full source-code ownership — escrow + repository access on day 1
Zero vendor lock-in — host anywhere, modify freely, take it with you
Unlimited users, unlimited deals — no per-seat, no per-deal fees
Purpose-built for Bravo — 5 exact loan products, Tom's exact credit policy
Custom branding end-to-end — borrower app, portal, Concierge are all Bravo-branded
No price escalations — fixed SOW, fixed annual maintenance for year 1, capped 5% / yr after
Full data portability — export everything anytime, standard formats

LEASE · SaaS licensing

What Bravo loses licensing nCino or Blend

Never owns the platform — rent in perpetuity
Locked into vendor's roadmap, pricing, and support tiers
Per-user / per-seat / per-deal fees stack up at scale
Generic platform — built for banks, not commercial brokers like Bravo
Limited branding — your borrowers see vendor branding in the flow
Annual price hikes — typically 7-12% / yr, no cap
Data exports gated, expensive, or delayed on termination

Contractual guarantees

Four guarantees written into the MSA.

If any of these four fail to hold, Bravo can walk away — no litigation, no fight. These are in the contract, not the slide deck.

Fixed-price guarantee

$285K one-time is a hard ceiling. Scope changes require mutual written agreement. No "change orders" during the 4-month build.

Source-code escrow

Full source code, infrastructure-as-code, and documentation placed in escrow at go-live. Released to Bravo unconditionally at any time.

$10M cyber-insurance indemnity

Bot2Do's AIG cyber policy named to Bravo. Full indemnification for any breach caused by our infrastructure, code, or sub-processors.

99.99% uptime SLA

Monthly credits auto-computed at 10× the downtime. 99.98% month = 4 hrs of credit. Datadog-measured. No disputes.

Next step

Sign the SOW, and we break ground in 14 days.

The fixed-price SOW, project plan, and security addendum are ready. Reply once, and we send the package within 24 hours.

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Custom-built, fully-owned AI platform — for less than nCino's setup fee alone.