Your existing app
Requirements + examples
100xPurlend · November 1, 2026 – January 31, 2027
Three outcomes. One team.
01 / Product
Deliver the MVP.
Full Core + Late S1,
accepted against Ken’s criteria.
02 / Customers
Prove the path to closing.
100,000-lead test.
Target: one active closing with Jim.
03 / Fundraising
Prepare the next raise.
Rehearsed script and plan,
supported by the deck.
Your app→Alex’s choices
Product readiness ↓
Human conversations→A suitable deal
Product + customer evidence ↓
Prepare your raise→Rehearsed pitch
Complete your MVP. Test the full path. Prepare your next raise.
Follow Alex’s story ↓Proposed engagement. The screens below are interactive illustrations. Providers decide credit and complete loans; investors decide funding.
01 / The starting point
A home-value inquiry.
A reason to act.
Alex has wealth in his home. He needs breathing room in his monthly budget.
Irvine, California · Illustrative homeowner
Meet Alex.
He bought for $300K. His home is now worth $1M. High-interest card debt is squeezing his cash flow.
Home value$1M
Estimated equity$700K+
Credit-card debt$100K24.99% APR
Illustrative facts supplied for this story. Equity assumes current liens support that estimate. Equity is not an approved borrowing limit.
01 · AcquisitionKelley Blue Book HomesHome-value lead source*
↓02 · Data + permission recordPreFi reportsUse only data authorized for this purpose.
↓03 · EngagementReannaA relevant email. A clear next step.
*Proposed source based on the call. David confirms the partner, report rights and permissions for the 100,000-lead test. Credit data requires its own valid authorization.
100,000-lead testValidate the list → Test in batches → Learn from replies → Expand what works
02 / Reanna earns the reply
One useful email.
A human at the next step.
You test subjects and messages. Alex sees a relevant invitation, not the data plumbing.
Alex, what could your home equity do?
RReanna at PurlendTo Alex · Example only
Alex, you recently explored your home’s value. If you’re considering access to some of that equity, you can compare options that keep your existing mortgage in place.
Jim Black can walk through the costs, trade-offs and next step with you.
No obligation to borrow. You can stop follow-up at any time.
Your test, measured end to endMatch the message
Match the message
to the need.
Test. Subject, message and call to action.
Learn. Delivery, replies, bookings and attendance.
Respect the stop. Suppression and permission checks stay attached to each lead.
This example does not disclose credit-report contents in email or promise Alex access to all his equity. Sender setup, report access and third-party costs are agreed before live outreach.
03 / Alex’s decision
Give Alex a reason to respond.
You help Alex choose his next step.
S1 Core · No account needed
“Can I manage debt and keep my mortgage rate?”
Reanna clarifies Alex’s goal and flags missing facts.
Alex’s goal
Property facts Source + dateRequested cash Not yet chosen
Missing facts? Pause calculations, keep talking.
Correct the example
Example amount $30,000Requested cash Unknown
Correct the fact→Recalculate→Refresh cards
Examples are not confirmed budgets.
Compare the trade-offs
Keep the first mortgage
Add a home equity loan
Compare combined payments, fees and total cost.
Replace the first mortgage
Refinance the mortgage
Compare the whole replacement loan’s cost.
No fit? Explain why. Alex can decline borrowing.
Core ends with clarity.Then: return, optional credit, save.
Late S1
Return on your terms.
Account and credit consent are separate. Saving needs no credit.
Return securely
Come back later?
Not now
Continue Core
No account needed.
Create an account
Secure sign-in + MFA
Credit consent is separate.
Allow one soft-credit check?
Decline
Keep your options
Saving stays available.
Consent
Refine supported facts
Show what changed and why.
Failed or partial data stays unverified. Keep known facts.
Saved view ↔ Matching PDF
Your takeaway.
- Your goalManage debt; explore keeping your mortgage.
- Facts + assumptionsSources, dates and open questions.
- Options + trade-offsOr explain no fit.
Bring this to Jim. The pilot uses his agreed calendar and a human-led handoff.
Scope and experience checks
Full Core + Late S1 stays included
Core: Arrive, Address, Converse, Explore, Clarity. Late S1: Account, Verify, Refine, Save. Property/source data, recovery, access controls, MFA, tenant separation, supported credit refinement and saved scenarios/PDF remain part of the plan.
Checks to agree with you
Unknown is not zero. Corrections update affected results together. No fit remains a valid outcome. Account and credit consent remain separate. Saved view and PDF use the same selected result. Provider errors preserve known facts.
One-time soft credit is not a lender quote or approval. Rich reports, recurring monitoring and automated marketplace fulfilment remain later features.
04 / Finish your MVP
Build on what you have.
CLR-6Understand the goal.
CLR-7Guide the conversation.
CLR-5Calculate the options.
CLR-9Explain the options.
Account → optional credit → saved scenarios + PDF follow Core.
Testing + Purlend review
Full Core + Late S1,
accepted against Ken’s criteria.Explore CLR-6 ↗
accepted against Ken’s criteria.Explore CLR-6 ↗
Delivery work packets
P0 · Agree what ready means
Nov 1–6
- Reuse
- PRD, rules and reviewed examples.
- Complete
- Match current app versions and agree criteria with Purlend.
- Prove
- Expected results, reviewers and release evidence agreed.
P1 · Understand and correct
Nov 7–20
- Reuse
- Code-owned conversation controller.
- Complete
- Goal meaning, fact updates, missing-data recovery.
- Prove
- Sample amounts stay examples; corrections reach every affected result.
P2 · Make numbers and cards agree
Nov 21–Dec 4
- Reuse
- Calculation helpers and scenario cards.
- Complete
- Current-result links, totals, fees and payment labels.
- Prove
- Domain-reviewed fixtures, neutral comparisons and no-fit cases.
P3 · Let Alex return securely
Nov 7–Dec 11
- Reuse
- Account routes and ownership controls.
- Complete
- MFA, recovery and account/session binding.
- Prove
- Secure return, cross-user denial and separate credit choice.
P4 · Credit and refinement
Dec 12–Jan 8
- Reuse
- P2 calculations and P3 access.
- Complete
- One agreed provider, consent and supported fact updates.
- Prove
- Decline, timeout, partial data and duplicate-request handling.
P5 · Save and export
Dec 12–Jan 8
- Reuse
- Existing storage and export paths.
- Complete
- Saved scenario return and matching PDF.
- Prove
- Same selected facts in view and PDF; no credit required.
P6 · Prove the complete experience
Core Dec 5–11 · Full Jan 9–22 · Acceptance Jan 23–29
- Reuse
- Existing tests and release setup.
- Complete
- Integrated checks, recovery, accessibility and handoff.
- Prove
- Core gate with isolation evidence, then full Core + Late review with Purlend.
These are delivery checks to agree and execute, not claims of passed tests. Shared correction, calculation and account foundations are counted once. Selected code and historical examples guide reuse; live readiness is established through the agreed checks.
05 / A clear requirement
Clarify “save money.”
- Need“Save money.”
- ClarifyPayment or interest?
- ConfirmUpdate the comparison.
- TestCorrect the goal; check affected results.
Alex confirms
Lower monthly payment
Compare combined monthly payments+Term + total cost
Lower payments can increase total cost.
Like the $30,000 correction: update every affected result.
CLR-6 requirement + test
From meaning to behaviour
Given an ambiguous “save money” goal, ask for clarification before treating it as confirmed. Apply the answer to the question asked. Keep source and confirmation status. When Alex corrects the goal, replace the current meaning and refresh dependent explanations and options using ready inputs.
A $30,000 illustration remains separate from requested cash. Missing required inputs hold affected calculations; conversation can continue.
Acceptance example
Given monthly-payment priority, the comparison shows combined payments alongside term and total cost. When Alex corrects to total-interest priority, the confirmed goal and comparison emphasis change together. No obsolete explanation remains. Numeric results are recalculated only where the changed input affects them.
This is an illustrative acceptance case grounded in CLR-6/7 and the baseline correction example. Confirm governing child-story wording and expected fixtures in P0. The controls here demonstrate the requirement, not Purlend’s implementation.
06 / The human handoff
Alex books.
Frank keeps the context.
Jim starts with Alex’s goal and questions. Alex does not start over.
FFrankIllustrative call-center repHuman follow-up
Ready for Jim’s call.
- Alex’s goalReduce high-interest debt
- ProtectHis existing first mortgage
- Open questionSecond-lien cost and affordability
- PermissionSMS not authorized
Frank confirms the need, resolves missing details and helps Alex reach the right professional.
Alex’s next stepTalk through your
Talk through your
home-equity options.
Choose a sample time to see what Alex and David receive.
Example appointment10:00 a.m. PTJim’s real calendar connects after his approval.
No live booking or notification occurs on this proposal.
The decision stays with Alex
Stay. Sell. Or pause.
Explore a second lien with Jim.
Compare the combined payments, fees, term and total cost. Keep the first mortgage if a suitable second lien fits. The provider decides eligibility and terms.
Reanna’s follow-through
“Here’s what we discussed.”
Your next step: Jim reviews a suitable second-lien option.
Your questions: Costs, payment, required documents and alternatives.
What happens next: A named person follows up. Alex can correct the recap.
The call becomes
the next action.
With participant approval, use Roam or a Pocket recording to prepare the recap. Share through the approved channel. Keep the source, decisions and follow-up together.
Recording is optional. Without approval, use human notes. Call capture and recap delivery are pilot operations, not an expansion of the agreed S1 product.
Jim’s agreement and the pilot boundary
Provider readiness
Confirm Jim’s calendar, availability, lead acceptance, follow-up SLA, recording/recap permissions and provider route. Jim advises; the lender owns underwriting and completion. Frank is a representative role, with the named operator to be confirmed.
Proposed model: $100 per phone call. Jim must agree the payable event, service, price and cancellation/no-show handling in writing. No revenue is earned by the example shown here.
Separate options
Voice-AI cold calling with Kastle or Flair Labs is a separately priced option, outside this engagement. Automated SMS is excluded without explicit authorization. No loan is required to make this a valid customer interaction.
The commercial arrangement must be reviewed for applicable referral and marketing-payment rules before activation. This proposal does not establish that a per-call fee is permissible.
07 / David’s operating view
See the handoffs.
Know what happens next.
A single view from source to conversation, provider follow-up and economics.
Test pool100,000Rights + usability to validate
Target≥ 1Lead actively closing with Jim
Proposed commercial model$100 / callAgreement + payable event pending
AAlex · IrvineJim review
Source + permissionHome-value inquiryEmail only · SMS off
Appointment10:00 a.m. PTFrank owns follow-up
Customer’s next actionExplore a second lienProvider review pending
No live leads, outreach, credit requests or payments are connected to this illustration. The 100K pool is an input, not a promised conversion count.
08 / Prepare the next $2M round
Rehearse your next raise.
Your rehearsed script and fundraising plan, supported by a deck. Investors decide funding.
Nik coaches · David rehearsesStart in November.
Product progress+Customer evidence→Your pitch
Script outline
“Clarity before choosing a product.”
Product Show Alex’s choices.
Evidence Separate progress from targets.
Ask What will $2M fund?
ProblemDemoEvidenceMilestones
Deck supports the script.Coaching
Rehearse→Challenge→Refine↻
Practise the opening, demo, ask and objections.
Fundraising plan
Plan your investor conversations.
- Who + whyInvestor fit + sequence.
- What to showScript + deck + evidence gaps.
- When + ownerMilestones + preparation + follow-up.
Investment remains an investor decision.
Fundraising work plan
Nik works with David and your team on the narrative, supporting deck, raise purpose, use of funds and milestones. Coaching covers delivery and objections, with rehearsals and revisions. The plan identifies investor fit, approach order, preparation and follow-up ownership. Product and customer evidence enter as available; a completed deal is not a prerequisite to starting preparation. No investment commitment, completed introduction or existing signed provider agreement is claimed.
09 / The proposed roadmap
Three workstreams.
One clear view.
See what runs in parallel, what depends on what, and where Ken and David review the work.
Illustrative planning windows, not delivery commitments.
Ken, David and 100x agree scope, deliverables, dependencies, dates and acceptance in writing before work starts. Leads, Pre-Fi access, partner participation, meetings and commercial outcomes are not guaranteed.
Work window
November 2026December 2026January 2027
Dates01
Build and validate the MVP
Sid · Saksham + Megh · Ken + David review
P0Agree acceptanceNov 1–6
Dependency / checkpoint
Joint planning with Ken and David. Agree scope and acceptance in writing; enables P1 and parallel P3.
P1Understand + correctNov 7–20
Dependency / checkpoint
Requires P0. Leads into P2.
P2Calculations + cardsNov 21–Dec 4
Dependency / checkpoint
Requires P1. Feeds Core checks, P4 and P5.
P3Secure returnNov 7–Dec 11
Dependency / checkpoint
Requires P0. Runs alongside Core / P1 and P2.
P6Core checksDec 5–11
Dependency / checkpoint
Requires P1 + P2 and applicable isolation evidence. Core readiness supports customer handoff.
P4Credit + refineDec 12–Jan 8
Dependency / checkpoint
Requires P2 + P3, plus provider and consent readiness. Separate from the P5 branch.
P5Save + PDFDec 12–Jan 8
Dependency / checkpoint
Requires P2 + P3. No credit dependency.
P6Full MVP checksJan 9–22
Dependency / checkpoint
Requires the Core gate + P3–P5; then full review against agreed acceptance.
ReviewPurlend review + acceptanceJan 23–29
Dependency / checkpoint
Ken and David review agreed criteria. Proposed handoff by Jan 31; engagement ends at 5 p.m. PT.
02
Validate the customer journey
Nik + Sid · Sid coordinates · Provider completes
PrepareOutreach + provider routeNov 1–13
Dependency / checkpoint
Prepare the route, then maintain follow-up. Provider participation and usable leads remain dependencies.
ConnectCustomer conversationsNov 16 onward
Dependency / checkpoint
Human-led replies, Jim’s meeting if available, customer choice and follow-up. Consent applies.
HandoffMVP-assisted handoff → completionDec 18–Jan 29
Dependency / checkpoint
Dec 18 handoff checkpoint; Jan 29 active-closing target. Requires ready Core, suitable customer choice, consent and provider follow-through. A closing is not guaranteed.
03
Prepare the next raise
Nik coaches · David rehearses · Purlend contributes evidence
StoryEvidence + script + deckNov 1–Dec 11
Dependency / checkpoint
Nov 20 ask checkpoint; Dec 11 script checkpoint. Prepare the story and supporting deck.
PracticeCoach, rehearse + refineDec 18–Jan 15
Dependency / checkpoint
Dec 18 first rehearsal; Jan 15 refinement. Product and customer evidence informs the work as available, without a closed-deal prerequisite.
PlanFundraising plan + final evidenceJan 22–29
Dependency / checkpoint
Jan 22 plan checkpoint; Jan 29 evidence refresh. Raising capital is not guaranteed.
Select a work window to see its prerequisites and checkpoints. Bars show proposed duration, not progress.
Core readiness enables handoff.
The customer must still choose a suitable path, consent and receive provider follow-through.
Evidence strengthens the story.
Use evidence as it becomes available. Rehearsals do not require a completed closing.
10 / What you provide
Three inputs.
One accountable plan.
These make the demonstration real.
Six hours with Ken.
Direct access for six one-hour reviews, approximately every two weeks. Agree his acceptance criteria first, then review working evidence.
100,000 leads + usable PreFi reports.
Provide the source list, data/report rights, consent records and required licenses. Validate usable volume and permitted channels before outreach.
Jim’s calendar + operating agreement.
Approve the calendar, lead acceptance, follow-up SLA and $100-per-call proposal. Agree Roam/Pocket recording and recap permissions, with a human-notes fallback.
Product access, costs and decision owners
GitHub/Jira access for Nik, Sid, Saksham, Megh and Bhumika, plus the existing app, current requirements and relevant environments. David/Sydney own product clarification and review. Ken owns the agreed acceptance decision. Sid owns delivery coordination.
Purlend supplies lead/report licenses and provider arrangements. Third-party spend requires separate approval. Scope changes are agreed explicitly; they do not silently extend the January 31 engagement.
The people behind the work
Human judgment.
AI capacity.
A delivery team, part-time expertise and focused AI roles. Sid coordinates the engagement; people remain accountable for decisions and delivery.
Delivery teamNik Shah
Founder & CEOExecutive direction and fundraising coaching.
Delivery teamSid Samant
Engagement leadEngineering leadership and delivery coordination.
Delivery teamSaksham Jain
AI engineerAI engineering and implementation.
Delivery teamMegh Leena
AI engineerAI engineering and implementation.
Specialists when the work needs them.
Part-time and operations support, distinct from the core delivery roles.
Part-timeHarshmeet
Part-time expertSpecialist support from another pod.
SS
Part-timeSushant
Part-time expertSpecialist support from another pod.
OperationsBhumika Prasad
Operations supportCoordination and talent continuity.
Three focused AI teammates.
Proposed engagement roles using the public Website v6 profiles. AI output supports the team’s work; it does not replace human review or authorize outreach.
AI persona
Nikolai
Conversational intelligenceTurn executive context into clear, decisive communication.
Meet Nikolai ↗
AI persona
Stacy
SDR automationStart sales conversations with a reason the buyer cares about.
Meet Stacy ↗
AI persona
Lex
Housing market insightsTurn a research question into a sourced decision brief.
Meet Lex ↗Staffing and advisor context
Staffing, availability and allocation are agreed in writing. Part-time experts and AI personas are not additional full-time delivery commitments. UI/UX expertise is available as needed.
Advisor perspective: Alex Urmersbach, former Kiavi CFO; Roger Park, former EY AI and innovation leader; Brian May, former EY financial services consulting leader. Advisor perspective is separate from delivery staffing.
Human portraits and public profile descriptions are sourced from Website v6. AI portraits are generated representations. Sushant’s portrait is pending verification.
From the public 100x website
How clients describe
working with us.
Client perspectives on the team’s work. These are prior engagements, not Purlend results.
“Nik is the C-level whisperer.”
Alysse ProsnickEVP Operations · Angel Oak Mortgage Solutions
“Thank you for not just replicating, but improving our workflow.”
Laura GuilbertOperations Lead · Mainstay
“clear communication and timely execution”
Marcel BockCEO · Enerclave
11 / The engagement
Your three-month engagement.
November 1, 2026 → January 31, 2027 · 5:00 p.m. PT
Proposed engagement fee$60K/ month
Up to three sprints · $180K if all begin · $20K discretionary bonus
Review engagement terms ↓Your IP. Clear protections.
- IP rights in deliverables after the relevant sprint is paid.
- Non-disclosure, with the testimonial exception below, and non-solicitation terms.
- Data-protection obligations in the final agreement.
Final delivery authority.
Final decisions on code and design and timelines will be by 100x, not Purlend.
Purlend supplies business requirements. Ken, David and 100x agree scope and acceptance in writing.
Testimonial rights
100x can publish your testimonials.
Testimonials provided by Purlend or its authorized representatives are excluded from non-disclosure restrictions. 100x may use them across all public-facing materials without further approval.
Read the testimonial exception
Testimonials about 100x’s services provided by Purlend or its authorized representatives are excluded from Confidential Information and the agreement’s non-disclosure restrictions. Purlend permits 100x to reproduce, publish, distribute and display these testimonials, with accurate attribution, in any public-facing medium, including websites, social media, proposals, presentations, case studies, marketing materials and public knowledge bases, during and after the engagement, without further approval or payment.
100x may edit testimonials for length or formatting without changing their meaning. This exception does not permit disclosure of borrower data, unrelated confidential information or private correspondence that was not provided as a testimonial.
Per monthly sprint · Net 15$60,000
Due 15 days after the agreed sprint starts, or receipt if invoiced later. Signing alone creates no fee.
Discretionary closing bonus$20,000
At David Kawata’s sole discretion. Any award and payment occur within 30 days after engagement close.
Low-friction exit7 days’ notice
Either party may cancel at least 7 calendar days before the next confirmed sprint. Later notice applies after that sprint unless agreed otherwise.
Overdue undisputed principal: 1% per month simple interest (12% nominal annual), calculated daily on actual/365 from the day after the due date, capped by law; no compounding. Good-faith disputed amounts are due 5 business days after resolution.
Agreement + e-sign
Proposed services agreement v7.1.
Scope is agreed later in writing before work starts. DocuSign is the intended signing provider; the current review draft has not been sent.
Signature submission remains paused for Nik’s review. This page is a proposal summary, not a signature request.
Review proposed terms ↓
Framework now; scope agreed before work. Up to three $60,000 monthly sprints. Sprint starts, priorities, deliverables, dependencies, dates and acceptance are agreed in writing. No guaranteed lead count, Pre-Fi access, Jim Black participation, meetings, closing, revenue or capital raise.
Planning interviews include both Ken and David with 100x. Net 15 payment, the cancellation terms above, IP after payment, confidentiality, data protection and the discretionary bonus are set out in proposed agreement v7.1. The engagement ends January 31, 2027 at 5 p.m. PT, without automatic February renewal.
Once signed by both parties, the agreement supersedes prior agreements prospectively while preserving accrued rights and obligations for earlier conduct. The executed agreement controls over this presentation.
DocuSign review draft: created, not sent. Opening this summary does not sign or accept anything. The earlier SOW v1 is historical and is not the current signing packet.
Proposed agreement term
One agreement governs the engagement.
Once signed by both parties, proposed agreement v7.1 supersedes previous agreements prospectively, preserving accrued rights and obligations relating to earlier conduct. It sets out IP, confidentiality, staff protection and data-protection terms.
These are proposed terms until execution. Publishing or opening this page does not replace an existing signed agreement.
Sources + scope notes
What this proposal builds on
Purlend’s shared ClarityEngine PRD ↗
Alex’s original long-term illustration ↗
The current engagement dates and offer here supersede older presentation dates and commercial examples.
How to read the evidence
Six saved scenarios were reviewed: 1, 2, 3, 5, 6 and 7. They inform examples; they are not blanket approval of demonstrated behaviour.
Historical June/July findings inform the approach, not assertions that those defects remain today. This page offers future delivery work and does not certify current functionality or production tests.
The Alex illustration carries forward the original story’s home. No refinance figures, commissions or future sale are presented as results of this second-lien pilot.