CreditCompass

About

CreditCompass is a fully built, production-ready SaaS platform for small business owners, sole traders, and limited company directors that transforms a confusing business credit profile into a structured, AI-guided improvement programme — powered by Claude (Anthropic) and GPT-4o (OpenAI).What you're getting:A complete full-stack product with two surfaces: a conversion-optimised public marketing site and a gated private application, both built on a clean, well-documented codebase (Vite + React + TypeScript frontend, Express + TypeScript backend, Drizzle ORM, PostgreSQL, Better Auth, Cloudflare R2, Resend, Stripe).The private app includes 12 modules:— CreditCompass Score: a proprietary AI-calculated credit health score across five weighted pillars (payment behaviour, utilisation, credit age & mix, public record health, credit relationships) with a full Claude-generated plain-English narrative explaining exactly where points are being lost— 90-Day Action Plan: a fully prioritised sprint plan broken into three 30-day phases, with effort ratings, estimated score impact per task, due dates, and dynamic recalculation as tasks are completed— CCJ Manager: log, track, and negotiate every County Court Judgement — AI calculates exact drop-off dates, drafts Tomlin Order settlement letters, and generates Certificate of Satisfaction correspondence— Credit Utilisation Optimiser: track all credit facilities with real-time utilisation percentages, threshold alerts, and an AI scenario modeller showing the score impact of three different paydown strategies— AI Letter Generator: professionally drafted dispute letters, trade credit applications, credit narratives, and escalation letters — generated by Claude in seconds and stored for reuse— Trade Credit Builder: AI recommends the most relevant supplier categories for the user's industry, drafts net-30/60 application letters, and tracks on-time payment streaks— Director Credit Linkage Advisor: explains how personal credit affects business applications, generates a parallel personal improvement checklist, and maps the path to removing personal guarantees— Companies House Health Check: flags overdue accounts silently damaging the credit score, generates filing reminder schedules, and explains account type differences from a lender perspective— Credit Dispute Letter Generator: users describe an inaccuracy, Claude drafts a formal dispute letter referencing UK data protection rights, and the module tracks dispute status with follow-up reminders— Lender Readiness Score: selects a credit product type, receives an AI-calculated readiness percentage, a gap analysis, a pre-application checklist, and a Claude-drafted credit narrative to attach to applications— Progress Tracker & Score Simulator: line chart of score history over time, monthly AI-written progress commentary, and a what-if simulator that models the score impact of specific actions before the user takes them— Agency Client Manager: multi-profile management dashboard for accountants and brokers — bulk plan generation, white-label PDF reports stored in Cloudflare R2, and agency-specific Resend email flowsThe public site includes:Homepage with animated score visualisation, social proof bar, problem statement, How It Works, features showcase, testimonials, and pricing preview — plus dedicated pages for Pricing, How It Works, Blog (SEO content hub served from Postgres), About, Contact, and all legal pages. A free 8-question Credit Health Check tool on the homepage captures leads without requiring signup, calling OpenAI server-side and returning a score estimate and one actionable tip before prompting registration.Monetisation is live and structured:Three-tier Stripe subscription model (Free / Pro at $29/mo / Agency at $99/mo). Stripe Checkout handles all payments. Stripe Customer Portal handles upgrades, downgrades, and cancellations. Webhooks update subscription state in Postgres automatically across five event types.What's included in the sale:Full source code delivered as a zip file and GitHub repository transfer, covering the complete CreditCompass codebase — public marketing site, private application, all 12 private app modules, all API routes, database schema (12 tables), email templates, and the integration expansion layer (Companies House API, Twilio SMS, Google Calendar, Slack, and Zapier Webhooks).Domain transfer via Namecheap or equivalent registrar. A signed IP Transfer & General Exclusivity Agreement protecting the buyer's ownership of the codebase, product name, and all associated intellectual property.A comprehensive ReadMe configuration file covering every environment variable, third-party API setup (Stripe, Claude, OpenAI, Resend, Cloudflare R2, Companies House, Twilio, Google Calendar, Slack), database initialisation, and step-by-step deployment instructions for the recommended Coolify/Nixpacks stack. There is no hosting to transfer — the buyer deploys to their infrastructure of choice.Three complete development plan documents produced for this project — the full product specification, QA testing checklist, and integration expansion plan — giving the buyer a total technical roadmap they can hand directly to any developer for future work, modifications, or feature additions.A complimentary onboarding call during the Escrow inspection period — we'll join a live video call with the buyer and their developer, walk through the codebase, answer any technical questions, and help get the application fully configured and running in their environment. This call is included at no additional cost and is there to ensure the buyer feels completely confident before the transaction closes.Post-sale email support for 14 days after closing — any configuration questions or setup queries answered within one business day.Ideal for:A developer, entrepreneur, or agency owner who wants to enter the fintech/AI SaaS space with a polished, well-architected product targeting an underserved and highly motivated audience. Millions of UK SME owners have no idea why they get declined for credit and no structured way to fix it — CreditCompass is the only AI-powered platform built specifically to solve that problem.