Pricing
Two ways to buy, two ways to pay
Take a single module or the end-to-end rail. Pay a fixed monthly fee with a set utilization cap when your volume is steady, or a share of disbursed volume with no cap when you want to scale without a ceiling. Pick per module, and switch models at renewal. We build the rate card with your team from your real volume.
The two commercial models
Every module and the full rail can be bought either way. The choice is about how you want cost to behave, not which product you get.
Committed · fixed monthly
A flat monthly fee that buys a block of capacity, your utilization cap. Cost is a fixed line item you can budget a year ahead, and the price per loan is at its lowest when you run near the cap.
Best when volume is steady and forecastable and you want budget certainty.
Rev-share · unlimited
A share of the volume you disburse through the rail, charged in basis points. No cap, no capacity to size, no fixed floor beyond a small platform access fee. Cost is zero when you originate nothing and tracks you as you grow.
Best when you are launching, seasonal, or growing fast and do not want a ceiling.
Buy a single module or take all five plus the four AI agents as the end-to-end rail, originate to disburse. The agents run inside the modules and carry no separate charge. Bundled, the rail is priced below the sum of the parts.
Which model fits you
Choose Committed when
Choose Rev-share when
You do not have to pick one. Run Committed on the modules with steady volume and rev-share on a new product line, and switch either at renewal as your book settles.
Pricing questions
How the two models work in practice
What does the utilization cap mean on a fixed plan?
The fixed monthly fee buys a block of capacity, measured in funded loans per month for the rail (or the module's own unit). Stay under the cap and your cost never changes. Cross it and you choose: step up to the next band, or run the overage at your rev-share rate. There is no penalty and nothing throttles mid-month.
How is rev-share calculated?
Basis points on the funds you actually disburse and settle through the rail, billed monthly in arrears. The full rail is a single blended rate; individual modules carry their own lower rate. There is no fixed floor beyond a small platform access fee, so a month with no originations costs almost nothing.
Can I mix models across modules?
Yes. The model is chosen per module and per product line. A common setup is Committed on decisioning and servicing where volume is steady, and rev-share on a newly launched product where it is not. You can switch either model at renewal.
Are the AI agents charged separately?
No. DocuMind, RiskRadar, CollectBot, and ReconAI run inside the modules and are included in both models. There is no per-run or per-token charge for agent work.
What exactly counts as a funded loan?
One originate-to-disburse cycle that settles through Vertex. Declines, duplicate applications, and borrower re-submissions do not count. Restructuring or topping up an existing loan does not recount it as a new one.
How do we get an actual quote?
Talk to the team. We model the committed bands and a rev-share rate with you from your monthly funded loans and average ticket, show where each one wins, and share the rate card under NDA. Billing is in your local settlement currency where supported, including PKR, AED, SAR, and BHD across MENAP, or USD.
Let's scope your rate card
Tell us your monthly funded loans and average ticket. We will model committed bands and a rev-share rate with you, and show where each one wins.