Professional reviewing Raisal commercial mortgage marketplace dashboard on tablet

Commercial Mortgage Marketplace Platform

Q: Can you build commercial mortgage marketplace platforms?

Yes. We specialize in fintech marketplace development, particularly for lending and financial services. The Raisal platform is an excellent example — we modernized their two-sided marketplace to React/Redux, connecting commercial borrowers seeking $500K-$10M loans with specialized lenders across all 50 states. Our smart-matching algorithms automatically connect loan requests with lenders based on property type, location, loan size, and lending criteria — streamlining what's traditionally a manual, relationship-driven process.

Q: How do you ensure fintech code quality for acquisition due diligence?

We architect for acquisition from day one. For Raisal, this meant enterprise-grade React/Redux patterns, comprehensive documentation, and zero technical debt. When TODO1/iuvity evaluated the platform during their November 2019 acquisition, the clean architecture and maintainable codebase were key factors. We follow financial services best practices: secure authentication, encrypted data handling, audit logging, and infrastructure designed for SOC compliance requirements — the same standards banks require.

Q: What's involved in building a two-sided marketplace?

A two-sided marketplace serves two distinct user types with different needs. For Raisal, the borrower side included loan request submission, document upload, automated program matching, proposal comparison, and lender evaluation. The lender side featured opportunity discovery, advanced filtering/search, detailed request evaluation, proposal submission, and pipeline tracking. The challenge is building overlapping functionality while serving divergent workflows — all with intuitive UX for non-technical users like mortgage brokers and property owners.

Q: Can small teams build enterprise fintech platforms?

Yes — Raisal proves it's possible with the right architecture. We rewrote their commercial mortgage marketplace to React/Redux with just 2 developers in 6 months by: building a comprehensive component library that accelerated feature development, establishing React/Redux best practices that eliminated rework, and focusing on high-value features that moved the business forward. The key is avoiding technical debt from the start, not just "moving fast and breaking things."

Q: How do you coordinate multiple development vendors?

On the Raisal project, we led frontend development while coordinating with backend teams in Argentina. Our approach: define clear API contracts upfront (request/response formats, error handling, authentication), proactively debug backend issues when they block frontend progress, and act as technical translator between vendors and stakeholders across time zones. This technical leadership turned potential bottlenecks into smooth collaboration, accelerating delivery.

Q: What industries do you serve for marketplace development?

We've built platforms across fintech (lending marketplaces), healthcare (patient applications), real estate (property matching), and more. Our strength is understanding complex business domains and translating them into intuitive user experiences. See our web application development services for more examples.

Q: How long does it take to build a fintech marketplace?

Timeline depends on complexity. For Raisal, we rewrote their existing platform to React/Redux in 6 months with a 2-developer team. Building new platforms from scratch with advanced features, integrations, and compliance requirements typically takes 9-12 months. We use agile methodology to deliver working prototypes within the first month, allowing you to see progress throughout development and adjust priorities as needed.

Q: What technologies do you use for fintech platforms?

For Raisal, we used proven, secure technologies: React for responsive interfaces, Redux for state management, PostgreSQL for reliable data storage, Node.js for backend services, and AWS for scalable hosting. All technology choices prioritize security, scalability, and maintainability for financial applications. We follow OWASP security guidelines and implement proper authentication, encryption, and audit logging.

Modernizing a production fintech platform serving the $2.5 trillion commercial real estate lending industry — connecting thousands of borrowers with specialized lenders nationwide. Rewrote the platform to React/Redux in 6 months with a lean 2-developer team. Raisal was later acquired by TODO1/iuvity.

Fintech / CRE

Web Application Development

Dedicated Team

Technical Leadership

About the Client

Raisal

Raisal is a fintech marketplace that transformed commercial real estate lending by connecting borrowers with specialized lenders through smart-matching technology.
Founded in 2014 and launched in January 2016, Raisal brought transparency to the traditionally opaque commercial mortgage industry, serving the $2.5 trillion CRE market with loan sizes from $500K to $10M.
In November 2019, TODO1 Services Inc. (iuvity) acquired Raisal, fully integrating the marketplace technology into their digital banking suite. Following the acquisition, CTO Fernando Rosario became Head of Engineering at TODO1/iuvity.

Results

$2.5T

CRE market served

Nationwide

All 50 states coverage

6 months

React platform rewrite

2 developers

Lean senior team

Goal & Outcome

Goal

Fernando Rosario's dilemma: Raisal's commercial mortgage marketplace was gaining traction in the $2.5 trillion CRE industry, but the React/Redux codebase was built by developers learning the framework. Technical debt was accumulating fast.

After 21 years at Accenture building financial software, Fernando knew what "maintainable code" really meant. The platform worked. Users loved it. But as the business scaled, every new feature took longer to build. The foundation wasn't built for long-term growth.

Commercial real estate financing is opaque and fragmented — borrowers seeking $500K-$10M loans had no visibility into competitive rates. Raisal was solving this with smart-matching technology connecting borrowers with specialized lenders nationwide. The product-market fit was proven. Now they needed enterprise-grade engineering to match.

Fernando needed senior React engineers who could modernize the platform without disrupting the business — not contractors who'd vanish, not agencies sending juniors after the sales pitch. He needed a team that understood fintech constraints and could write code that would last 5+ years without rewrites.

Outcome

We embedded senior React engineers as part of Raisal's core team through our dedicated team approach, establishing enterprise-grade architectural patterns from day one. Rather than building isolated features, we created a comprehensive component library with reusable UI blocks.

Our technical leadership extended beyond code. We coordinated with backend teams in Argentina, debugged cross-stack issues, and mentored Raisal's developers on React best practices — leaving them with not just working code but the knowledge to maintain and extend it.

The result: clean, maintainable React/Redux codebase with enterprise-grade architecture and zero technical debt.

Fernando Rosario

Chief Technology Officer, Raisal

ProductCrafters worked well with our internal team and were very good at adjusting to our work style. They had a keen eye for detail and were very solution oriented. They thought holistically about solutions and brought up all-encompassing ideas.

5.0

★★★★★

16 reviews

View on Clutch

Building a Fintech Marketplace?

We specialize in architecting secure, scalable lending platforms and two-sided marketplaces for fintech startups. From MVP to acquisition-ready.

Before

Traditional Process

Opaque pricing

Borrowers had no visibility into competitive loan rates and terms

Manual matching

Finding the right lender required phone calls and broker relationships

Duplicate paperwork

Same documentation submitted repeatedly to multiple lenders

Slow process

Weeks spent identifying and contacting potential lenders

Limited options

Borrowers only reached lenders through personal networks

After

Digital Solution

Transparent marketplace

All loan opportunities and proposals visible in centralized dashboard

Smart-matching algorithms

Automated connection based on property type, location, and loan criteria

Single submission

Upload documentation once, connect with multiple matching lenders

Rapid discovery

Lenders find pre-qualified opportunities instantly through advanced filters

Nationwide network

Access to specialized lenders across all 50 states and property types

Offshore Development Shops

Timezone misalignment creates 24-hour delays for critical decisions
Communication barriers lead to misunderstood requirements
Junior developers gaining experience on your production codebase

Our Difference

Senior engineers (7+ years React/Redux) with overlap in US business hours for real-time collaboration. We led cross-timezone coordination with Raisal's Argentina backend team, turning potential communication gaps into smooth integration.

Large Development Agencies

Senior architects sell the project, junior developers build it
Agency overhead and bureaucracy slow decision-making for startups
Fixed-bid contracts with change order friction

Our Difference

The engineers you meet are the ones who write your code. Lean 2-developer team with senior expertise, making decisions fast without layers of project managers. Monthly dedicated team rate with flexibility to adapt scope.

Independent Contractors

Limited availability when urgent issues arise
Inconsistent code patterns across multiple contractors
No continuity through acquisition due diligence process

Our Difference

Embedded team model with long-term commitment. We stayed through Raisal's entire acquisition journey — from initial development through TODO1's technical due diligence — coordinating vendors and ensuring knowledge transfer to internal teams.

What Sealed the Decision

✓Fintech experience: Previous production deployments in lending, payments, and financial services
✓Senior-only team: 7+ years React/Redux production experience across financial applications
✓Technical leadership: Could architect frontend AND coordinate backend teams simultaneously
✓Transparent pricing: Fixed monthly dedicated team rate with no surprise bills or change orders
✓Long-term thinking: Clean architecture, comprehensive documentation, zero technical debt approach

Development team collaboration on React and Redux architecture for fintech platform

Process Flow

Enterprise Architecture

Established production-grade React and Redux architecture with reusable component systems and documented technical decisions for long-term scalability.

Two-Sided Dashboard

Built intuitive dashboards for borrowers and lenders, including loan creation flows, advanced filtering, and property data visualization with map integration.

Smart Matching

Developed automated matching algorithms connecting borrowers and lenders based on property details, loan size, and lending criteria with guided onboarding.

Cross-Team Leadership

Coordinated frontend and backend teams across regions, defining API contracts and ensuring smooth collaboration and integration.

Knowledge Transfer

Mentored internal developers on React and Redux best practices, providing documentation and ensuring the team could maintain and extend the platform.

Project Handoff

Delivered a clean, maintainable codebase with enterprise-level architecture, enabling seamless continuation by the internal team.

Under the Hood

Frontend

Modern frontend technologies used to build responsive, scalable, and maintainable user interfaces.

React

Redux

Backend & API Layer

Backend services handling business logic, integrations, and data processing.

Node.js

Database & Infrastructure

Reliable data storage and cloud infrastructure ensuring scalability, performance, and availability.

PostgreSQL

AWS

Raisal commercial mortgage marketplace platform interface showing loan filtering and search dashboard

FaQ

Can you build commercial mortgage marketplace platforms?

Yes, we specialize in fintech marketplace development for lending and financial services. We build platforms that connect borrowers with lenders through smart matching algorithms based on loan size, location, property type, and lending criteria—automating what is traditionally a manual process.

How do you ensure fintech code quality for acquisition due diligence?

We design systems with acquisition readiness in mind: clean architecture, maintainable code, and full documentation. Our approach includes secure authentication, encrypted data handling, audit logging, and infrastructure aligned with SOC compliance requirements.

What’s involved in building a two-sided marketplace?

Two-sided marketplaces require separate experiences for each user group. Borrowers need tools for submitting requests, uploading documents, and comparing offers, while lenders need discovery tools, filtering, evaluation workflows, and pipeline tracking—all built with intuitive UX.

Can small teams build enterprise fintech platforms?

Yes, with the right architecture. By using reusable components, strong engineering patterns, and focusing on high-impact features, small teams can deliver scalable fintech platforms without accumulating technical debt.

How do you coordinate multiple development vendors?

We establish clear API contracts, handle integration challenges proactively, and act as a bridge between teams. This ensures smooth collaboration across different vendors and time zones while maintaining development velocity.

What industries do you serve for marketplace development?

We build marketplaces across fintech, healthcare, real estate, and other industries, translating complex business requirements into intuitive and scalable digital products.

How long does it take to build a fintech marketplace?

Timelines depend on complexity. Platform rewrites can take around 6 months, while building full-featured fintech marketplaces from scratch typically requires 9–12 months with agile delivery and early prototypes.

What technologies do you use for fintech platforms?

We use React for frontend, Redux for state management, Node.js for backend services, PostgreSQL for data storage, and AWS for scalable infrastructure, following security best practices and OWASP guidelines.

We partner with fintech startups and established companies across the United States to build production-grade marketplace platforms and financial software. Our distributed team across Europe provides overlap with US business hours for real-time collaboration, plus extended coverage for faster development cycles.