The SaaS Factory for Industries Everyone Else Ignores
TerraKode LLC builds compliance-ready document automation for regulated B2B niches, priced for the small businesses incumbents skip. DocChaser replaces the 4–6 tools professionals duct-tape together — document collection, e-signature, checklists, reminders, portals, and pipeline tracking — while they keep their main tax or loan software. Born from broker pain. Validated with CPAs. Built to scale across every regulated vertical.
DocChaser is Floify + DocuSign in one — at a third of the patchwork price — purpose-built for the 41,000+ independent brokers enterprise tools ignore. PowerToolBox, our Microsoft Dataverse documentation & auditing platform, is live with enterprise IT teams — proof the model repeats.
The TerraKode Model
We build affordable, compliance-ready document automation for underserved B2B markets — the industries everyone else ignores.
Find a regulated vertical with painful manual workflows and no affordable software.
Ship a focused product with compliance built in from day one — SOC 2, HIPAA, TRID, and more.
Go live in 24 hours with pricing 70% below incumbents.
Grow with subscription revenue, then reinvest into the next vertical.
Multi-Vertical Pipeline
41,000+ independent LOs. $6.9B market. DocChaser is live in beta.
100,000+ Microsoft Dataverse admins. PowerToolBox is live with enterprise IT teams.
46,000+ firms still mailing organizers. Tax prep document collection. Directional ~$12B market.
Core Platform — built once (~80% of every product)
Vertical Skins (~20% per vertical)
Each new vertical is new compliance rules, document templates, and terminology on an already-built, already-audited core.
One Platform, Not Six Subscriptions
Independent professionals don't need another app to manage. They need one platform that replaces the patchwork of DocuSign, Dropbox, email threads, spreadsheets, and manual follow-ups they currently use. DocChaser is that platform. Brokers keep their LOS. CPAs keep their Drake or Lacerte. DocChaser does everything else.
Product #1: DocChaser
Mortgage document collection and client operations automation. Live. Validating the model. Built-in e-signature is live today — conditional checklists and pipeline enhancements expand the platform in 2026.
A broken document pipeline costs regulated professionals every day
Independent mortgage brokers handle 60% of US originations, yet they're stuck with enterprise tools built for banks. Worse, most independents patch together 4–6 separate tools — DocuSign for signatures, Dropbox for files, spreadsheets for tracking, email for follow-ups, and a generic CRM they can't afford. It's expensive, fragmented, and breaks at every handoff. DocChaser replaces the entire stack. Brokers keep their loan software. We handle the rest.
Problem
15–25% of Deals Lost
Every tool handoff is a dropout point. Email threads get buried. DocuSign links expire. Spreadsheets go stale.
$2,000–$5,000 per Lost Deal
Plus $50–$300/month spent on tools that don't talk to each other.
6–10 Hours per Loan
Chasing documents across email, voicemail, text, and three different logins.
Enterprise Tools Ignore Them
Floify starts at $79/mo. DocuSign is $15–$60/mo. HubSpot is $90/mo. Independents need one tool, not six subscriptions.
Solution
One Platform, Not Six Subscriptions
DocChaser replaces document collection, e-signature, checklists, portals, reminders, and pipeline tracking. Users keep their main tax or loan software.
Conditional Workflows
Template-based branching: if W-2 is uploaded, automatically request 1099s. No more static checklists.
Pipeline & Analytics
Visual Kanban from lead to closed, plus deal velocity and response-rate analytics. Replaces spreadsheets and light CRM.
Smart Multi-Channel Follow-Ups
Email and SMS reminders with escalation cadence — voice-call reminders in development. Replaces manual follow-ups and calendar reminders.
One Platform, Not a Patchwork
Regulated professionals today stitch together 4–6 disjointed tools — email follow-ups, a DocuSign subscription, cloud-drive folders, file-sharing links, spreadsheets for tracking, and manual reminder calls. None of them talk to each other.
Your brand, your subdomain — one login for every client.
Follow-ups that chase documents so you don't have to. Voice-call reminders in development.
Our own e-signature engine — live today. Replaces the separate DocuSign subscription.
Visual Kanban from first request to signed package — no spreadsheets.
Encryption, access controls, and a full audit trail across every document.
Collection, chasing, signing, and tracking — in one login. In the end, the professional uses two things: DocChaser and their main system of record — their loan, tax, or practice software. DocChaser handles the entire client-facing document lifecycle and hands a complete, signed, audit-trailed package to the system of record. One platform in front, one system of record behind — a fully unified solution. Direct API handoffs into the leading LOS, tax, and practice platforms are on the roadmap.
Mortgage is the beachhead. CPAs follow for the Q1 2027 tax season, then legal — the same platform, vertical by vertical.
The DocChaser Ecosystem in 3 Steps
White-labeled and mobile-first. Borrowers upload documents (camera photo upload), receive automated email + SMS reminders, and e-sign — all inside DocChaser.
Kanban pipeline, status tracking, compliance logging, and a full audit trail on every document.
The complete, signed, audit-trailed package exports to the broker's LOS, tax, or practice software. Direct API handoffs are on the roadmap.
The broker keeps their LOS. DocChaser doesn't replace Encompass or Calyx — it's the frontend document layer those systems don't handle. Everything happens in DocChaser until the final handoff.
A $6.9B Beachhead in a $45B+ Platform Market
TerraKode's playbook applies to any underserved regulated B2B market where professionals are patching together 4–6 tools because no affordable, integrated platform exists. Mortgage is our beachhead — a $6.9B market with 41,000+ independent LOs. PowerToolBox already proves the model repeats: 100,000+ Microsoft Dataverse admins document and audit complex environments with no purpose-built tooling. Next is CPAs (46,000+ firms, ~$12B market) — each vertical with the same multi-tool pain, the same compliance needs, and the same lack of affordable integration.
Platform TAM — mortgage + CPA/accounting + legal + healthcare (directional)
Beachhead TAM — global digital mortgage software (2026), 20.72% CAGR
SAM — document management segment (fastest-growing)
SOM — 41,000+ independent US mortgage LOs
| Vertical | TAM | Target Customers | Product | Status |
|---|---|---|---|---|
| Mortgage | $6.9B | 41,000+ LOs | DocChaser | Live |
| Enterprise IT | — | 100,000+ admins | PowerToolBox | Live |
| CPA & Tax | ~$12B | 46,000+ firms | Vertical #3 | 2027 |
| Combined | $45B+ | Platform TAM across document-heavy verticals (directional) | ||
DocChaser: The Client Operations Platform That Replaces Your Stack
DocChaser replaces the 4–6 tools professionals currently patch together — document collection, e-signature, conditional checklists, branded portals, smart reminders, and pipeline tracking. White-labeled for your brand. Set up in 24 hours. Users keep their main tax or loan software; DocChaser handles everything else. Starting at $29/mo post-ecosystem launch.
Automated email and SMS follow-ups that chase documents so brokers don't have to — voice-call reminders in development. Replaces manual follow-ups and calendar reminders.
Branded client portals on your own subdomain, live in a day. No enterprise sales cycle.
Secure file transfer, audit trails, access controls, and encryption. One compliance layer across all tools, not five separate audits.
Visual pipeline from Lead → Quoted → Docs Received → Bound → Closed. Replaces spreadsheets and light CRM.
Camera-native document capture, one-tap sign, offline upload queue. 70%+ of uploads happen on mobile.
One subscription replaces DocuSign + Dropbox + CRM + manual tools. Suite at $149/mo vs. $300+/mo for the patchwork.
The same core engine — compliance, billing, white-label portal, notifications — powers mortgage, CPAs, legal, and healthcare. Each vertical gets tailored templates. The platform stays exceptional.
Recurring Revenue, Platform Margins
Pure SaaS with minimal infrastructure cost and pricing that replaces 4–6 incumbent subscriptions at once. DocChaser's ecosystem model: Basic ($29/mo) replaces Dropbox and email. Pro ($79/mo) adds e-signature and conditional checklists, replacing DocuSign and FileInvite. Suite ($149/mo) adds pipeline, analytics, and integrations, replacing light CRM and manual tools. Platform infrastructure — compliance, billing, security, white-label portal, deployment, and the 2-VPS + homelab architecture — is shared across all verticals. Each new product reuses 80%+ of the core platform. Broker traction funds the ecosystem.
Future ecosystem pricing — post–multi-vertical launch
Basic
- • File upload & collection
- • 1 branded portal
- • Basic checklists
- • Email reminders
- • Transient storage (30 days)
Replaces Dropbox, email attachments
Pro
- • Everything in Basic
- • E-signature engine
- • Branded client portal
- • SMS + email reminders
- • Conditional checklists
- • Transient storage
Replaces DocuSign, FileInvite, Hushmail
Suite
- • Everything in Pro
- • Pipeline / Kanban CRM view
- • Analytics dashboard
- • Template marketplace
- • Integrations & webhooks
- • Transient storage
Replaces HubSpot (light), spreadsheets, manual follow-ups
Pre-ecosystem mortgage pricing is $99/$199/$297 per LO — current pricing, live today (blended ARPU ~$149/mo). The $29/$79/$149 tiers above are future ecosystem pricing, post–multi-vertical launch, reflecting multi-tool replacement value and broader market appeal.
Production VPS + homelab overflow. $39–72/mo operating cost before revenue. Cold standby, nightly backups, 4TB archive capacity.
Each new vertical reuses the compliance engine, billing system, portal infrastructure, and notification layer. Product #2 costs a fraction of Product #1.
Auto-purge 30 days after completion. Brokers close deals in 3–14 days. No unnecessary storage costs. Paid tiers for persistent and archive.
Blended ARPU
Gross Margin
LTV : CAC
CAC Payback
Monthly Churn
Customer acquisition via mortgage broker associations and referral.
Early Traction
Two products are live in the real world. PowerToolBox is in production use with enterprise IT teams, and DocChaser is in early beta with 3 active mortgage broker testers — the first proof points for the TerraKode platform. We are refining the core document collection engine with real mortgage brokers. The ecosystem roadmap is locked: built-in e-signature is already live; conditional checklists ship in Month 1–2. Broker pipeline and CPA tax organizers ship in Months 2–4. Analytics, mobile optimization, and template marketplace ship in Months 5–6. CPAs we've shown the platform to immediately saw the value — their version ships Q2 2027.
Enterprise Tools Ignore the Brokers Who Need Them Most
DocChaser competes in mortgage POS today. But our true moat is stack replacement: we don't just compete with Floify on price — we replace the entire patchwork of DocuSign + Dropbox + spreadsheets + manual follow-ups that brokers currently use. No mortgage competitor has a credible path to CPAs. No legal incumbent offers a 24-hour setup. We build the platform once. Each vertical gets a tailored skin. The infrastructure is shared. The UX is consistent. The economics get better with every new product.
| Feature | DocChaser | Floify | SimpleNexus | DocuSign | Dropbox |
|---|---|---|---|---|---|
| Stack Replacement | |||||
| E-Signature | |||||
| Conditional Checklists | |||||
| Branded Portal | |||||
| Smart Reminders | |||||
| Pipeline / CRM | |||||
| Mobile Capture |
DocChaser is the only platform that replaces the entire stack — not just one tool.
5-Year Revenue Trajectory
| Year | LOs | ARR |
|---|---|---|
| Year 1 | 0 (beta) | $0 |
| Year 2 | 100 | $180,000 |
| Year 3 | 400 | $715,000 |
| Year 4 | 800 | $1,430,000 |
| Year 5 | 1,600 | $2,860,000 |
Builders Who Understand the Problem
TerraKode is led by its founder and two founding members who have been here since day one — a small, senior team that ships. We know what brokers need because we've built the document systems and data architectures their compliance work depends on.
Founder & CEO
Data architect with 15+ years across enterprise IT, security operations, and data architecture. Architected and shipped DocChaser as sole technical founder — personally designing the data layer, security model, and compliance architecture while directing implementation through AI-driven, spec-first development: 430+ automated tests and two independent red-team cycles, fully remediated. Creator of PowerToolBox, a documentation and auditing platform for Microsoft Dataverse environments.
Founding Member — Infrastructure
Systems Administrator with TerraKode since day one. Manages production infrastructure, server operations, deployment pipelines, and platform reliability.
Founding Member — Lead Graphics Designer & Code Reviewer
Lead graphics designer and code reviewer. Shapes TerraKode's visual identity and ensures code quality across the stack.
Join Our Pre-Seed Round
This round funds the DocChaser ecosystem launch in mortgage — the beachhead that proves the stack-replacement model and generates the revenue to expand into CPAs, legal, and healthcare. Every dollar removes a barrier between our working platform and our first paying customers.
Mortgage alone gets to $1M ARR. The platform across four verticals — $45B+ combined TAM with 80% of each product already built — is the venture-scale outcome.
Seeking a lead investor ($25K–$50K) to anchor the round and set terms; remaining allocation open at the $10K minimum.
Compliance spend is a platform asset, not a product cost — every future vertical inherits the SOC 2 audit, penetration testing, and security hardening funded by this round.
12-Month Milestones & Vertical Roadmap
DocChaser document collection refined with real mortgage brokers. Conditional checklists + pipeline enhancements ship.
Complete compliance audit, pen testing, code review. Platform foundation secured for all verticals.
White-label portal engine and smart notification layer live. Platform infrastructure complete.
Kanban pipeline for brokers. Tax organizer builder and 8879 e-sign for CPAs. Vertical tracks active.
Exit beta with full ecosystem. First paying customers across Basic, Pro, and Suite tiers.
Broker beachhead validated. Platform revenue funds CPA expansion.
Analytics dashboard, mobile-optimized flows, and template marketplace live. Platform lock-in complete.
Tax organizer collection for 46,000+ firms still mailing organizers. Validated by interested CPAs.