12. MVP roadmap
Phases
Section titled “Phases”| Page | Phase | Duration | Output |
|---|---|---|---|
| 12.0 Phase 0 — Research and compliance design | 1 – 3 mo | NBFC licence application or partner agreement; compliance baseline; vendor selection | |
| 12.1 Phase 1 — Lending MVP | 3 – 6 mo | First live disbursals from own balance sheet (or LSP partner) | |
| 12.2 Phase 2 — Co-lending MVP | 4 – 6 mo | First co-lending partner live (CLM-1, single ratio) | |
| 12.3 Phase 3 — Platform fee / SaaS partner portal | 3 – 4 mo | Partner portal mature; LSP fees flowing | |
| 12.4 Phase 4 — Advanced underwriting | 4 – 6 mo | ML scorecards in production; champion-challenger; deeper data sources | |
| 12.5 Phase 5 — Portfolio intelligence | 3 – 4 mo | ECL models; advanced EWS; full cohort profitability | |
| 12.6 Phase 6 — Multi-lender marketplace / multi-partner | 4 – 6 mo | 3+ co-lending partners; multi-partner allocation engine | |
| 12.7 Phase 7 — Scale and automation | ongoing | Full automation; multi-tenancy / productisation; new geographies / products |
Total runway
Section titled “Total runway”- Year 1 (Phase 0 → 2): licence + MVP + first co-lending partner.
- Year 2 (Phase 3 → 4): SaaS / LSP layer + advanced underwriting.
- Year 3 (Phase 5 → 6): portfolio intelligence + multi-partner.
- Year 4+: scale.
Reading order
Section titled “Reading order”If you’re a founder / CTO, read in order. If you’re at any specific phase, jump and read forward; assume prior phases are complete or in active execution.
Phase template
Section titled “Phase template”Each phase page covers:
- Features — what the platform does at the end of the phase.
- Integrations — what’s wired in.
- Team required — incremental hires.
- Time estimate — calendar months.
- Build vs buy — which decisions to make.
- Acceptance criteria — what “done” looks like.
- Risks — what kills this phase.
- Go / no-go criteria — when to defer or kill.