Loan Doctor Phase 2 - AI-Powered Sales & Operations Platform

Building on the successful MVP, Phase 2 delivers a comprehensive sales engine, AI-first customer app with ChatGPT-like interface, structured backend workflows, and multilingual voice AI to scale operations and drive conversions from discovery to payment.

Date

2026-02-10

PROP-LOANDOCTOR-PHASE2-2026

Loan Doctor Phase 2: Scaling Operations with AI-Powered Automation

Building on MVP Success

Following the successful delivery of Loan Doctor's MVP, Phase 2 focuses on scaling operations, automating workflows, and driving customer conversions through AI-powered experiences. This phase transforms Loan Doctor from an application tracking platform into a comprehensive sales and operations engine.

The Strategic Advantage

Phase 2 positions Loan Doctor as a conversion-optimized, AI-native platform that reduces manual work, accelerates application processing, and creates delightful customer experiences in regional languages. With structured sales operations and automated workflows, Loan Doctor can scale across multiple states without proportional increases in operational overhead.

About Us

About 1000xdev

1000xDev builds systems that scale with your business. We combine modern web development with intelligent architecture to deliver platforms that grow with you—without constant rewrites.

We specialize in fintech, booking platforms, and enterprise SaaS. From MVPs to complex platforms, we move fast and build right.

99.99%

System Uptime

100%

Client Satisfaction

2M+

Users Served

50+

Projects Delivered

Brands We've Built For

From booking platforms to e-commerce, we craft digital experiences that scale across India and beyond.

Tradewise

EdTech & Stock Trading Platform

Astrolearn

Learning Management System

Loan Doctor

Financial Services PWA

Khelomore

Sports Venue Booking Platform

Pahari Cultural Centre

Cultural Events & Heritage Website

Itel India

Consumer Electronics Portal

The Garment People

B2B Fashion E-commerce

MTalkz

Enterprise Communication SaaS

Amriti

Healthcare & Wellness Platform

Petvesta

Pet Care & Services Platform

Taj Decor

Interior Design Services

Bioheaven

Organic & Health Products

HealX

Healthcare Tech Platform

Design Brewery

Creative Agency Website

Fence Planet

Fencing & Security Solutions

Wireworks

Industrial Wire Solutions

Project Scope

Phase 2 delivers four core systems: Sales Engine for lead-to-order conversion, Operations Backend with configurable checklist workflows, AI-powered customer app with conversational interface, and payment integration. Designed for 8-10 weeks execution with focused deliverables.

Comprehensive lead pool system where sales executives and franchisees manage leads and close deals. Includes franchisee management, manual assignment with flexible logic, and advanced analytics for distribution based on team structure and performance.

Lead pool database and management interface

Franchisee/sales executive management system

Manual lead assignment with flexible distribution logic

Order creation workflow (sales closure → admin panel)

Admin panel order queue with approval workflow

Lead lifecycle tracking with notes and engagement history

Sales dashboard with performance analytics

Commission calculation engine and sales executive dashboard for earnings visibility and tracking.

Commission calculation engine (percentage/fixed per scheme)

Commission tracking dashboard (current month, pending, historical)

Commission approval workflow for finance team

Sales executive dashboard with active leads and conversion metrics

Flexible checklist builder with stage management allowing loan supervisors to create and manage workflows for any loan scheme. Track paid users through different stages of loan processing from payment to closure. Sample checklist includes: File Opening, Document Collection, Eligibility Verification, DPR Preparation, Bank Submission, Query Resolution, Document Delivery, and Closure. Each workflow is fully configurable with custom steps, validation rules, status tracking, and user movement between stages.

Checklist builder with configurable steps for any loan scheme

Sample checklist template for PMEGP/MUDRA workflows

Stage management system for tracking loan progress

Paid user movement tracking across stages

Loan supervisor interface with checklist navigation

Status tracking and progress indicators

Document attachment and notes for each step

Checklist history and audit trail

Stage-wise analytics and reporting

Custom-built conversational interface using modern language models. Supports text and voice conversations in multiple Indian languages to help customers discover loans, check eligibility, and complete applications.

Chat-based interface for customer interactions

Voice input and output support

Multilingual support for Indian languages

Conversation memory and context handling

Natural language understanding for loan queries

Session management and conversation history

Guided conversation flow that helps customers discover suitable loan schemes, assess eligibility, and complete payment to start the application process.

Loan discovery conversation (business type, amount, location)

Scheme recommendation based on customer profile

Eligibility assessment through conversation

In-chat payment integration

Order creation after successful payment

Handoff to loan supervisor with context

Application status tracking and communication with loan supervisors through the conversational interface.

Application status queries via chat

Invoice viewing and download

Application history access

Notification system (push + WhatsApp)

Direct chat with assigned supervisor

ICICI payment gateway integration (or Supabase-compatible alternative) for secure online payments with order creation, invoice generation, and multi-channel notifications via WhatsApp and push alerts.

ICICI payment gateway integration (UPI, cards, net banking, wallets)

Real-time order creation upon payment

Invoice generation (PDF) with branding

Email-based invoice delivery

WhatsApp Business API setup

Template-based automated notifications

Push notification system

Payment reconciliation dashboard

Manual supervisor assignment workflow

Project Timeline

Week 1-2: Foundation & Sales Engine

Weeks 1-2

Technical architecture design and sales engine implementation with lead management and commission tracking.

Week 3-5: Operations Backend & Payment Gateway

Weeks 3-5

Configurable checklist system for loan processing and ICICI payment gateway integration.

Week 6-8: AI Customer App Development

Weeks 6-8

Custom conversational interface with text and voice support for loan discovery and application management.

Week 9-10: Integration, Testing & Deployment

Weeks 9-10

WhatsApp integration, end-to-end testing, and production deployment with documentation.

Investment Details

Complete Phase 2 development package covering Sales Engine, Operations Backend with configurable checklists, AI-powered customer app, and payment integration. Delivered in 8-10 weeks with full source code ownership and post-launch support.

Investment Summary - Phase 2

Project Fee₹6,00,000

Complete Phase 2 Package

All components delivered in 8-10 weeks

₹6,00,000

End-to-end Phase 2 development covering sales operations, configurable checklist system, AI-powered customer app, and integrations.

Features:

Sales Engine with lead management and commission tracking

Configurable checklist system for any loan scheme

AI-powered conversational interface (text + voice)

Multilingual support for Indian languages

ICICI payment gateway integration

WhatsApp notification system

Order management and invoice generation

Complete documentation and training

60 days post-launch support and bug fixes

Module-wise Investment Breakdown:

Sales Engine & Lead Management

Lead pool, franchisee management, order creation, commission tracking, sales dashboard with analytics

₹1,50,000

Operations Backend (Configurable Checklists)

Checklist builder, sample templates, supervisor interface, stage management, paid user movement tracking

₹2,00,000

AI Customer App

Conversational interface, voice support, multilingual, loan discovery flow

₹2,00,000

Payment, WhatsApp & Notifications

ICICI gateway, invoice generation, WhatsApp notifications, push alerts

₹50,000

Timeline: 8-10 weeks

Team: Full development team

What's Included

Complete source code ownership

Technical architecture documentation

User guides for all roles (sales, supervisors, admins)

AI conversation design and training materials

Team training sessions (online + recordings)

60 days post-launch bug fixes and support

Security audit and compliance validation

Deployment to production environment

CI/CD pipeline setup for future updates

Terms & Conditions

Payment Terms & Milestones

Total Investment: ₹6,00,000 (plus 18% GST)

Three milestone-based payments:

•Milestone 1 (Kickoff): 40% = ₹2,40,000 - Upon project kickoff and requirements finalization

•Milestone 2 (Sales Engine + Backend Delivery): 30% = ₹1,80,000 - Upon delivery of sales engine and checklist system (Week 5)

•Milestone 3 (AI App + Final Deployment): 30% = ₹1,80,000 - Upon final deployment and handover (Week 10)

All payments due within 7 days of invoice. 18% GST applicable on all amounts.

Scope & Deliverables

Scope covers 4 core components: Sales Engine, Operations Backend (Configurable Checklists), AI Customer App, and Payment Integration.

AI technology stack to be finalized during architecture phase based on requirements.

Payment gateway preference (ICICI or alternative) to be confirmed during Week 1.

All features and deliverables as specified in this proposal unless modified by written change request.

Any scope changes require written approval from both parties and may impact timeline and cost.

Timeline & Dependencies

Phase 2 development timeline: 8-10 weeks from project kickoff.

Timeline assumes timely client feedback, requirements clarity, API access for integrations (payment gateway, WhatsApp Business API).

Delays due to dependencies outside 1000xdev control (third-party API access, client approvals, content/data provision) will extend timeline proportionally at no additional cost.

Weekly progress updates and bi-weekly demo sessions with stakeholders.

Client to provide test accounts and access credentials for all third-party services within Week 1.

Intellectual Property Rights

All custom code, designs, and documentation created for Phase 2 become Loan Doctor's exclusive property upon final payment.

1000xdev retains rights to generic frameworks, libraries, and tools used in development.

Pre-existing intellectual property remains with respective owners (1000xdev, third-party vendors).

Loan Doctor owns all conversation data, customer data, and business logic implemented in the system.

1000xdev may use the project as a portfolio case study with Loan Doctor's prior approval (with anonymization if requested).

AI Model Costs & Third-Party Services

Development package includes AI model integration and setup.

Client bears ongoing costs for: AI model API usage (estimated ₹10,000-20,000/month based on conversation volume), WhatsApp Business API charges (as per Meta's pricing).

First month of AI usage included in development package for testing and validation.

1000xdev will provide monitoring dashboard to track AI usage and optimize costs.

Support & Warranty

60 days post-launch support included: Bug fixes for delivered functionality, minor adjustments and tweaks, technical assistance and troubleshooting.

Support does not cover: New feature development, scope changes, third-party platform issues, AI model retraining (except initial training).

Response times: Critical issues (system down, payment failures): 4 hours, High priority (functional issues): 24 hours, Medium/Low priority: 48 hours.

Post-warranty support available via Annual Maintenance Contract (AMC) - separate agreement.

AI model updates and retraining available as ongoing service (monthly or quarterly basis).

Confidentiality & Data Security

Both parties agree to maintain strictest confidentiality regarding all information exchanged during Phase 2 development.

1000xdev will sign NDA if not already executed during Phase 1.

All customer data, conversation logs, and business logic will be handled per RBI guidelines and data privacy laws.

AI conversation data stored securely with encryption at rest and in transit.

Data retention policies to be defined by Loan Doctor (default: 2 years for conversation logs, indefinite for transaction data).

GDPR/Data Privacy compliance for personal information collection and processing.

Regular security audits and penetration testing recommended (can be included in AMC).

Regulatory Compliance

Platform designed to comply with RBI guidelines for NBFC operations and digital lending.

WhatsApp Business API usage complies with Meta's policies and TRAI regulations for promotional messaging.

Payment gateway integration follows PCI-DSS standards for secure transactions.

Loan Doctor responsible for obtaining necessary licenses, registrations, and regulatory approvals for operations.

1000xdev provides technical compliance (data security, audit trails) but does not provide legal/regulatory advisory.

Any regulatory changes during development requiring platform modifications will be addressed via change request.

Termination

Either party may terminate this agreement with 30 days written notice.

Upon termination: Full source code handover for completed components, knowledge transfer sessions (minimum 5 hours), 15 days transition support, documentation and credentials transfer.

Payment for completed work required before handover.

No refunds for milestone payments already made.

Material breach requires 15 days remedy period before termination.

Limitation of Liability

1000xdev's liability limited to total fees paid for Phase 2 (₹6,00,000).

1000xdev not liable for: Third-party platform failures (payment gateways, AI model providers, WhatsApp), Business losses due to system downtime, AI conversation accuracy or customer satisfaction, Regulatory penalties or compliance violations.

Force majeure clause applies for events beyond reasonable control.

Client responsible for content accuracy, legal compliance of loan schemes, and customer data protection.

Ready to Scale Loan Doctor with AI-Powered Automation

We're excited to partner with Loan Doctor on Phase 2, building on the successful MVP foundation to create a comprehensive, AI-powered platform that drives conversions, streamlines operations, and delights customers.

Phase 2 delivers:

• Sales Engine that empowers your team with lead management and commission tracking • Configurable Checklist System adaptable to any loan scheme • AI-Powered Customer App with conversational interface in multiple Indian languages • Payment & WhatsApp Integration for seamless transactions and notifications

With Phase 2, Loan Doctor becomes a scalable, AI-native platform ready to serve customers across multiple states efficiently.

Let's build something exceptional together.

Schedule Kickoff Call WhatsApp Chat

Quick Details

tushar@1000xdev.com

Ready to start within 5-7 days of agreement signing

Next Steps

1Review proposal and clarify any questions
2Discuss technical requirements and preferences
3Finalize payment gateway preference (ICICI or alternative)
4Review sample checklist workflows
5Sign agreement and process Milestone 1 payment
6Kickoff Phase 2 with architecture design session
7Weekly progress updates with demos every 2 weeks