UNSTUCK LABS · PROPOSAL FOR UTILITY CAPITAL GROUP
CONFIDENTIAL
UCG Digital Servicing &
Collections Platform
Replace spreadsheets with a purpose-built platform for FFBC servicing. Scale from 5,000 to 10,000+ homes.
Bottom line up front
A custom web platform with a homeowner portal, admin dashboard, and AI voice agent handling 95% of call volume,
statutory mailing for 10,000+ homes at the click of a button, and per-entity Stripe payment routing.
Payment schedule: 30% at kickoff ($49,536) · 50% at mid-build demo ($82,560) · 20% at go-live ($33,024)
Net 30 terms. 60-day warranty included. Pricing valid 30 days.
18
Weeks, kickoff to go-live
$165,120
Fixed fee · 3 milestones · Net 30
$9,500
Per month, managed service (2 engineers)
What We're Building
Three interfaces, one platform. Every stakeholder in the servicing lifecycle covered.
Interfaces
- Balance lookup and payment history
- Online payments (ACH + card)
- Payoff requests and dispute submission
- Billing runs and payment management
- Delinquency workflows and payoff queues
- Exception handling and fee waivers
- Law firm reporting and title company payoff processing
- Portfolio reporting and full audit trail
- Handles balance inquiries, payoff requests, and disputes
- Covers 95% of inbound call volume
- Human escalation for complex cases
Automated Service Layer
- Each entity has its own Stripe account
- Payments route directly to the correct bank
- ACH, card, and recurring supported
- Send 10,000 invoices, notices, or letters at the click of a button
- State-specific templates
- Delivery tracking and confirmation
Community-Level Rules Engine
- Each community gets its own invoice templates and assessment rules
- Late fee schedules configurable by UCG staff
Role-Based Access Control
- Admin, Staff, Law Firm, and Homeowner roles
- Configurable permissions
Timeline
Seven workstreams running in parallel across 18 weeks. Work tapers across streams as the platform matures. Working software ships every two weeks.
|
Wk 1-3 | Wk 4-6 | Wk 7-9 | Wk 10-12 | Wk 13-15 | Wk 16-18 |
| Discovery & Architecture |
| | | | | |
| Core Platform & Data Model |
| | | | | |
| Billing & Payments |
| | | | | |
| Collections & Payoff |
| | | | | |
| Voice Agent |
| | | | | |
| Physical Mail & Integrations |
| | | | | |
| Migration, UAT & Go-Live |
| | | | | |
Investment
$165,120
Fixed fee · Net 30 · USD
Payment Schedule
| Milestone | % | Amount |
|---|
| Kickoff | 30% | $49,536 |
| Mid-build demo | 50% | $82,560 |
| Go-live / UAT sign-off | 20% | $33,024 |
| Total | | $165,120 |
Net 30 terms. 60-day post-launch warranty included.
Post-Launch Managed Service
$9,500 /month
Two dedicated engineers for ongoing production support, monitoring, and continued development off your backlog.
Service Expectations
- Critical (production down / payment integrity): same-business-day response
- Standard issues: response within 1 business day, prioritized into weekly sprint
- Daily backups, documented restore tested quarterly
- Monthly health and activity report
For Your Awareness
These are third-party services that power the platform. Accounts are owned by UCG. We handle setup and configuration during the build.
| Service | What it does | Est. Cost |
|---|
| Lob | Physical mail delivery for invoices, notices, and letters | $12,000 – $18,000 /yr |
| Stripe | Payment processing (ACH and card) | Pass-through |
| Vapi | AI voice agent | $250 – $650 /mo |
| Twilio | Phone number and call routing | $100 – $200 /mo |
| Hosting | Application, database, and infrastructure | $200 – $500 /mo |
What We Need From UCG
- Source data extracts from current spreadsheets and accounting systems
- Sample invoices, notices, payoff letters, and release documents
- Entity-level business rules for assessments, late fees, and payoff handling
- Community-level payout formulas and late fee schedules
- Current reporting formats and investor summary expectations
- Credentials and setup support for Stripe, Lob, Twilio, and Vapi
- Designated stakeholders for servicing operations, finance, and UAT sign-off
Why Unstuck Labs
We solve problems you haven't spelled out yet
Same architect from scoping through go-live. We study your operations, find the gaps, and ship the solution. You get a partner who understands FFBC servicing, ownership transfers, and payoff workflows before you have to explain them.
Your operations, modeled from the ground up
Variable terms ($260 to $1,400, 20 to 30 years), NPV payoff at 6%, community-level late fees, multi-bank routing, and state-specific statutory notices. Every rule modeled to how UCG actually works.
Built to grow with you
Designed for 10,000 homes today, architected for multiples of that. Multi-tenant from day one with strict entity-level data segregation. When UCG starts servicing third-party portfolios, the platform is already there.