Halifax

1. Interview 5–10 loan officers at tier-2 banks or digital lenders (Palaver, Branch, Bamboo, etc.) to map their exact eligibility rules—income thresholds, debt ratios, collateral types, bureau checks. 2. Build a rule engine (no-code option: Zapier + Airtable; code option: Node.js + a simple rules DSL) that mimics their logic; make it configurable so each lender can adjust thresholds in a dashboard. 3. Create a white-label web widget (iframe embed) that lenders drop into their own sites or apps; users answer 8–12 questions, get instant yes/no/maybe with reason codes. 4. Set up Stripe or Flutterwave for billing; price per API call or per monthly active users (e.g. $500–2K/mo per lender based on volume). 5. Land first 2–3 paying lenders (start with those you already know or can warm-intro to), iterate on accuracy and support, then scale outbound to larger networks.