LendIQ · Multi-tenant lending SaaS

Prove it in three weeks, then build the whole platform

Your spec, product plan and Figma designs are already done — you need a team that can execute them with light oversight, not heavy management. Exactly as we discussed: start with a fixed-price trial milestone on the OTP and authentication flow, then move to the full multi-phase build once we've both seen how we work together.

Trial milestone

$6,500

estimate · fixed once scoped

Trial timeline

2–3 weeks

OTP + auth flow

Trial team

3 named devs

Lead · Frontend · Backend

RLS design

Pooling-safe

built in from day one

What we heard on our call

This is greenfield, and already specced. Full technical spec, product spec and high-fidelity Figma designs are done by your team — you need execution, not supervision.
Light oversight, not day-to-day management. Async updates, a video call each week (twice a week for the first two weeks), and visibility into the board.
Your process is already set: NDA → redacted developer CVs → technical interview → a paid, fixed-price 2–3 week trial on the OTP/auth flow with 2–3 devs → a go/no-go call → a multi-year, multi-phase engagement with AI features and maintenance down the line.
You and your fractional VP of Product are our direct contacts — not a layered account-manager setup — and the LendIQ owner stays out of day-to-day.
Open to fixed-price or hourly. You mentioned a blended range around $45–60/hr for senior full-stack work if we go hourly.
AI-assisted development is welcome — enterprise accounts only, no training on your data, every PR human-reviewed, with extra peer review on security- and RLS-sensitive backend code.
No rush. You expect to decide in the next couple of weeks.

The path you outlined

We're following the process exactly as you laid it out on the call.

Before the trial

Sign the NDA
Send over the detailed requirements doc
We send redacted CVs for the Lead, Frontend and Backend devs
Short technical interview with the named team on an Upwork call

The trial, then beyond

2–3 week fixed-price trial: OTP + authentication, built on your RLS/multi-tenant spec
Go/no-go call once the trial is delivered
Phase 1 of the full build, priced once we've reviewed your spec in detail
Phase 2+: AI features, ongoing maintenance, multi-year roadmap

Your trial team

Named developers on the technical interview, the weekly calls and the trial commits — not account managers.

Full-Stack Lead

$50–60/hr

Owns the RLS/multi-tenant design under connection pooling and the auth architecture.

Backend Developer

$40–55/hr

Builds the OTP and auth services, Supabase setup and the security-sensitive data layer.

Frontend Developer

$35–45/hr

Implements the auth UI against your Figma designs and wires it to the backend.

What's included

Direct Slack access to you and your product owner — no layered account management.
Asana board visibility into every task the team is working on, updated as work moves.
Weekly video call (twice a week for the first two weeks), plus async written updates in between.
GitHub repo access once your Supabase backend and prod/test branches are set up.
AI-assisted development on enterprise accounts only, with mandatory human review on every PR and peer review on RLS- and security-sensitive code.
Everhour time tracking ready for any hourly work later, fully compliant with Upwork's policy on agency-side logging.

What we checked before quoting

We ran the technical questions your spec raises against what's actually standard before putting a number on the trial.

Design in from day one

RLS under connection pooling

Under transaction-mode pooling (Supavisor, PgBouncer), a plain session-level tenant id isn't safe — it can leak between requests. We'll use SET LOCAL / set_config scoped per transaction from the start, or recommend session-mode pooling if your expected concurrency allows it.

Depends on your storage provider

Upload quarantine-to-clean pipeline

Standard pattern once we know the provider (e.g. S3/GCS with a scanning step between a quarantine and a clean bucket) — we'll confirm this as part of the trial kickoff.

Standard

Background workers, migrations & outbox retries

Tenant-scoped background jobs, backward-compatible SQL migrations (expand/contract) and idempotent outbox/webhook retries are all well-understood patterns — no platform limitation.

Standard

Immutable money-movement history

An append-only ledger table, with corrections made as new offsetting entries rather than updates or deletes — the normal approach for financial ledgers.

Trial milestone and pricing

This is our estimate for the 2–3 week OTP/auth trial you described, built from the blended $45–60/hr range discussed and a 3-person team. As you said on the call, it converts to a fixed price once team selection and scope review are final — we'll confirm the real number as soon as we've reviewed your requirements doc.

Milestone 1

Days 1–3

Kickoff & environment setup

Supabase, GitHub (prod/test branches), Asana and Slack set up
RLS-under-pooling approach confirmed and documented

$1,300

Milestone 2

Week 1–2

OTP & auth backend

Authentication service, OTP flow, tenant-scoped RLS policies
Peer-reviewed security pass on sensitive code

$2,925

Milestone 3

Week 2–3

Frontend integration

Auth UI built to your Figma designs
End-to-end wiring against the backend

$1,625

Milestone 4

End of week 3

QA & go/no-go handoff

Full QA pass and staging deploy
Walkthrough on our weekly call for your go/no-go decision

$650

Trial milestone estimate$6,500

Ad hoc or out-of-trial-scope work is billed at $40/hr through Everhour. If you'd rather run the whole engagement hourly instead of fixed-price, we're glad to — same blended rates, same reporting.

After the trial

Exactly the path you described: a go/no-go call, then the full platform.

Stage	What happens	Pricing
Go/no-go call	Review the trial milestone together and decide whether to continue	—
Phase 1 build-out	Full greenfield build against your spec and Figma designs	Fixed-price milestones, quoted after requirements review
Phase 2+	AI features and later phases, as you scope them	Quoted per phase
Ongoing maintenance	Ongoing support once you're live	Fixed monthly or $40/hr, your choice

When is it done?

The trial milestone is complete when OTP and authentication are live in a staging environment, your RLS policies hold under the connection-pooling setup we agree on, and the code has passed peer security review — ready for your go/no-go decision.

What we need from you

Signed NDA so we can share CVs and go deeper on specifics.
The detailed requirements document you mentioned, so we can finalize the trial scope and team.
Your expected transaction/active-user volume — it decides whether transaction-mode or session-mode pooling fits better.
Supabase project access once it's set up, plus a GitHub org we can be added to.
The weekly (twice-weekly at first) video call and Slack access to you and your product owner.

How we work

In-house, not outsourced. We're a ~70-person team, mostly based in Pakistan, on our payroll — a true agency model, not freelancers pulled together per project.
12 years in business, 8 on Upwork. We've worked across industries, including SaaS and financial-reconciliation platforms like RaiseForward.
Named developers, not account managers. The people on your technical interview and weekly calls are the people writing the code.
AI used responsibly. Enterprise accounts only, no training on your data, every PR human-reviewed, extra peer review on anything security- or RLS-sensitive.
Upwork-compliant tracking. Everhour for any hourly work, since not all 70 of us hold individual Upwork profiles — fully within Upwork's agency policy.

Next steps

Sign and return the NDA.
Send over the detailed requirements document so we can finalize the trial team and scope.
Review the redacted CVs and join a short technical interview call.
Kick off the fixed-price OTP/auth trial milestone.