TerraKode builds affordable, compliance-ready SaaS for underserved B2B markets. Our first product, DocChaser.io, automates document collection for 41,000+ independent mortgage brokers — at 70% less than enterprise tools.
Independent mortgage brokers handle 60% of US loan originations, yet they're stuck with enterprise tools built for banks — expensive, slow to set up, and missing the features that actually move loans forward.
to document collection delays. Borrowers ghost, brokers chase, and deals fall through.
in forfeited commissions. For a solo broker doing 10 deals/month, that's $20K–$50K left on the table.
spent chasing documents manually. Phone calls, emails, follow-ups — all unpaid administrative work.
SimpleNexus and Blend target banks. Floify starts at $79/mo and requires complex LOS integrations.
DocChaser automates the entire document collection workflow for mortgage brokers — white-labeled borrower portals, multi-channel reminders, and built-in compliance. Set up in 24 hours. Start at $99/mo.
The only mortgage document platform with actual phone call reminders. When email and SMS fail, a real call gets documents uploaded.
Unique DifferentiatorYour branded portal, your logo, your domain — live in 24 hours. No engineering team needed. No 3-month onboarding.
Speed-to-ValueTRID-ready, ECOA/GLBA compliant, AES-256-GCM encrypted. Every action logged with timestamp and audit trail.
Regulatory TrustTrack every loan in a visual pipeline. Manager dashboards for teams. API access for enterprise integrations.
Workflow PowerBorrowers upload documents from their phone. No app download required. Camera-to-PDF in seconds.
UX AdvantageStarter at $99/mo vs. $200–$400 for Floify and $300+ for SimpleNexus. Same core features, fraction of the cost.
Price AdvantageDocChaser is a working MVP with real beta feedback from mortgage professionals. The only barrier between "beta" and "revenue" is compliance certification.
"I was losing 2–3 deals a month to document delays. DocChaser cut that to zero. My borrowers actually upload documents now instead of ghosting me."
"We were white-labeled in 24 hours. My borrowers think we built the portal ourselves. The automated reminders are the secret weapon."
"The compliance audit trail alone is worth it. My state auditor was impressed. Setup took one Zoom call."
The digital mortgage software market is expanding rapidly. Document management is the largest and fastest-growing segment. And 41,000+ independent loan originators are completely underserved by today's enterprise-focused tools.
Global market size, billions USD
Pure SaaS, minimal infrastructure cost, and a pricing model that undercuts every incumbent while delivering more value to independent brokers.
Setup fee: $299 one-time (free for annual billing or first 10 beta members) | Free trial: 14 days | Refund: Full refund if not satisfied within first few loans
DocChaser competes in the low-price, broker-focused quadrant that no major player serves. We're 70% cheaper than Floify, 80% cheaper than SimpleNexus, and purpose-built for independents.
| Feature | DocChaser | Floify | SimpleNexus | DocuSign |
|---|---|---|---|---|
| Entry Price | $99/mo | $79–$200/mo | Enterprise ($325+ est.) | $15–$60/mo |
| Phone Call Reminders | Yes (Unique) | No | No | No |
| White-Label Setup | 24 hours | 2–4 weeks | 1–2 weeks | No |
| SMS Reminders | Yes | Yes | Yes | No |
| TRID Compliance | Yes | Yes | Yes | No |
| ECOA/GLBA | Yes | Yes | Yes | No |
| AES-256 Encryption | Yes | Yes | Yes | Partial |
| Mobile Upload | Yes | Yes | Yes | Yes |
| Kanban Pipeline | Yes | Yes | Yes | No |
| Team Management | Yes | Yes | Yes | No |
| Broker-Focused | Yes | Partial | No (Enterprise) | No |
TerraKode is built by technical founders who have worked in regulated industries. We know what brokers need because we've built for regulated professionals before.
The $50K–$100K raise is not for growth — it's for risk reduction. Each allocation directly removes a barrier standing between our working product and our first paying customers.
| Milestone | Timeline | LOs | Monthly Revenue | ARR | % of Market |
|---|---|---|---|---|---|
| First paying customer | Month 1 | 1 | $149 | $1,786 | 0.002% |
| Early adopters | Month 6 | 10 | $1,488 | $17,856 | 0.024% |
| Growth phase | Month 12 | 25 | $3,720 | $44,640 | 0.061% |
| Product-market fit | Month 18 | 50 | $7,440 | $89,280 | 0.12% |
| Scaling | Month 24 | 100 | $14,880 | $178,560 | 0.24% |
| $1M ARR | Month 42 | 560 | $83,520 | $1,002,240 | 1.4% |
Projections based on $149 blended ARPU with 60% Starter, 30% Professional, 10% Team mix. Assumes organic growth + referral-driven acquisition. Not a guarantee of future performance.
This is not a single-product gamble. TerraKode operates a repeatable model: research market gaps → build affordable SaaS → scale with subscriptions → reinvest into the next product.