The ledger: what a file costs,and what comes back with it

A file is one loan application worked to one package. It leaves your balance when the package is delivered, never at upload. Every pack does the same work on every file; the rate, the seats and the service around it are what change.

A still of the /pricing balance drums scene: three mechanical drum counters reading 100, 500 and 2,000.

the balance drums: 100, 500, 2,000 files, rolling down as each column enters view

100 FILE PACKmost lenders start here

For a shop that wants to see the work on its own files first.

$0,000.00$24.00 a file 2,400 ÷ 100100, valid 12 months from purchase

Condition library template, a CSV you fill in your own wording
Standard queue: a complete file returns the same business day
Email support, answered the next business day
Five seats in the web app

500 FILE PACK

For a shop that runs a queue most nights.

$00,000.00$22.00 a file 11,000 ÷ 500500, valid 12 months from purchase

Everything in the 100 File Pack, plus:
Condition library loaded for you in a setup session in your first week
Monthly variance report: the recalculated figure beside the one your underwriter signed, by income type and by underwriter
Phone support as well as email, answered the same business day
Twenty five seats in the web app

ENTERPRISE BLOCK

For a shop with a credit policy to encode and an audit to pass.

$00,000.00$18.00 a file 36,000 ÷ 2,0002,000 per block, valid 12 months from purchase

Everything in the 500 File Pack, plus:
Priority queue, ahead of the standard packs
Your credit policy encoded, and cited when a file sits outside it
Model documentation pack for your AI governance inventory, updated each quarter
Audit log of every read, edit, routing and signature, exportable for QC
A named implementation lead with a direct line, and your PO number on the receipt
Unlimited seats with SAML single sign on

In every pack

The same work on every file, whichever pack it comes from. The packs differ in rate, seats and the service around the queue, never in what is done to the file.

Every page read and indexed: URLA, credit, paystubs, W2s, returns with every schedule, bank statements; duplicates folded, contradictions listed side by side
Income recalculated by its rule: Wages, Form 1084 or Form 91 with each add back tied to its line, Schedule E, a 24 month average for overtime, bonus and commission
Deposits sourced and seasoned: Every large deposit tied to a page or marked unsourced, with the letter drafted for signature
AUS findings reconciled: DU or LPA findings matched line by line, each tied to its page or listed as open
Conditions in your wording: Split prior to doc and prior to close, each citing the page that raised it, pasted into your LOS
One package per file: PDF and CSV, every figure citing its page, addressed to the underwriter of record; FHA and VA route only to a DE or SAR
Referred up, never guessed: A contradiction the software cannot resolve goes to the underwriter with both pages and no recommendation
The web app and secure upload: Queue, worksheet and condition list; upload by browser or SFTP; packages kept 24 months, exportable, deleted on request

Pilot Order: 50 funded files, $0.00, no card, one per lender. Order the Pilot at $0

Three stapled loan packages of different thickness on a desk edge, each with a plain cover sheet.

Pack terms

What counts as a file: One loan application: one URLA/1003, every borrower on it, every document uploaded for it, processed to one package. Documents added to the same loan number within 90 days of its first upload (an updated paystub, a condition response, a new statement) are read into the same file with no new deduction. An upload the software cannot read, such as an unreadable scan or a password locked PDF, comes back with a page list and is not deducted. A file is deducted when its package is delivered to the queue, never at upload.
Expiry: Files are valid 12 months from the purchase date. Buy any pack before that date and the whole remaining balance takes the new pack's 12 month date. Expired files are removed from the balance; packages already delivered stay in the account for their 24 month retention.
Refunds: Unused files are refundable in full within 30 days of purchase, from the account page. Deducted files are not refundable. After 30 days, unused files stay on the account until they expire. The pilot has nothing to refund.
Top ups and low balance: Any pack can be bought at any time from this page or the account page, through the same checkout, and the new files add to the balance. At 10 percent of the most recent pack (10, 50 or 200 files) and again at zero, the account owner receives an email, and a text message if that number opted in through the Join Our SMS List block.
Overage: There is none. At zero, uploads are accepted and held in the queue; nothing is processed and nothing is charged until a pack is bought. No file is ever billed outside a pack.
Auto reorder: A switch on the checkout review step and on the account page, off by default. When on, the same pack is bought again when the balance reaches zero, on the card or bank account on file, with a receipt emailed the same minute. It can be turned off from the account page at any time and the next reorder does not run. It is the only recurring charge that can exist, and only the buyer can switch it on.
Payment: Visa, Mastercard, American Express, Discover or ACH debit, chosen at checkout. A card posts the file balance immediately. ACH posts the balance when the debit settles, usually within three business days, while the account, seats and condition library activate right away. Sales tax is added as its own row in states that tax prewritten software, calculated from the billing address.
Guest checkout: No account exists before purchase. Checkout collects the lender's legal name, NMLS company ID, account owner name, work email, an optional mobile number that carries no SMS consent, billing address, an optional PO number, the payment method, and one agreement checkbox linking the Terms of Service and the Privacy Policy. The account is created from those fields after payment. A returning buyer may sign in to skip the account and billing sections, and is never required to.

Financing Bot prepares, calculates and documents. It does not approve, decline or decide any loan. Every decision is made and signed by the lender's named underwriter, who on FHA and VA loans personally holds a DE or SAR designation. The lender keeps its representations and warranties and provides the specific principal reasons for any adverse action that Regulation B requires. Any agency relief attaches to verified data and the agencies' own models, not to this software.