UNSTUCK LABS · PROPOSAL FOR UTILITY CAPITAL GROUP
CONFIDENTIAL
UCG Digital Servicing & Collections Platform
Replace spreadsheets with a modern, multi-tenant platform purpose-built for FFBC servicing.
Bottom line up front
A custom web platform — homeowner portal, internal admin dashboard, and an automated service layer —
that digitises the full servicing lifecycle. 15 weeks. $137,000 fixed fee.
60-day warranty included. Optional managed service at $5,000/mo.
15
Weeks from kickoff to go-live
$137,000
Fixed-fee build · 3 milestones · Net 30
10
Entities · ~5,000 accounts · multi-bank reconciliation
What we are building
Homeowner Portal — balance lookup, online payments (ACH + card), payoff requests, dispute submission.
Admin Dashboard — billing, payments, delinquency, payoff, exceptions, reporting, audit.
Automated Service Layer — Stripe payments, Lob USPS mailing, Twilio + Claude voice hotline, document generation.
Multi-tenant by design — entity-level data segregation, separate operating bank reconciliation, white-label ready.
Why this matters to UCG
Removes the spreadsheet ceiling — scale from thousands to tens of thousands of accounts without adding headcount linearly.
Automates the most error-prone work — invoice generation, mailing, delinquency notices, payoff calculation.
Same-day payoff turnaround for title companies — without staff intervention.
Investor-grade reporting and audit trail from day one.
Architecture is white-label ready — UCG can service third-party portfolios as a future revenue line.
Timeline · 6 Phases · 15 Weeks
PHASE 0
Discovery & Architecture
3 weeks
PHASE 1
Core Platform
4 weeks
PHASE 2
Billing & Payments
5 weeks
PHASE 3
Collections & Payoff
5 weeks
PHASE 4
Integrations & Hardening
4 weeks
PHASE 5
Migration · UAT · Go-Live
3 weeks
Phases overlap where it accelerates delivery without compromising quality.
Investment & Payment Schedule
$137,000
Fixed fee · 2,740 hours · 6 milestones · Net 30 · USD
| Milestone | % | Amount |
|---|
| Kickoff | 30% | $41,100 |
| Demo | 50% | $68,500 |
| Go-Live · UAT sign-off | 20% | $27,400 |
Post-Go-Live Managed Service (Optional)
| Service | What's included | Monthly |
|---|
| UCG Managed Service | Dedicated engineer (40 hrs/wk) for production support, monitoring, patching, integration management, and ongoing improvements off your backlog. Quarterly architect check-in. | $5,000 |
Service Expectations
- Critical (production down / payment integrity): same-business-day response & remediation
- Standard issues: response within 1 business day, prioritized into weekly sprint
- Daily backups · documented restore tested quarterly
- Monthly health & activity report
Why Unstuck Labs
We solve problems you haven't spelled out yet
We're business consultants who build. Same architect from scoping through go-live, studying your operations, finding the gaps, and shipping 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%, late-fee logic, multi-bank lockbox routing. Every rule modeled to how UCG actually works across 10 entities and 4 banks.
Grows with your business
Multi-tenant from day one with strict entity-level data segregation. When UCG starts servicing third-party portfolios, the platform scales with you.