A Growing Fintech Startup from California
Our client, a fintech startup based in San Francisco, was offering line of credit services to small businesses. They were struggling with manual processes, spreadsheet-based tracking, and disconnected payment systems.
They needed a unified system that could handle everything from credit approval to automatic collections—all within their existing Odoo environment.
Project Snapshot
"We Were Losing $50K Monthly to Manual Errors"
The client's existing workflow was a nightmare. Credit officers were manually tracking credit limits in Excel, payment collections required logging into multiple portals, and delinquency notices were often sent late—or not at all.
We interviewed 5 development agencies before choosing CodeCrafters. They were the only ones who truly understood the complexity of lending operations and had experience with both Plaid and Stripe.
Michael Reynolds
CTO, CapitalFlow Inc.
A Complete Line of Credit Management System
We built a custom Odoo module that seamlessly integrates Plaid for bank verification and Stripe for payment processing. Here's what we delivered:
Plaid Bank Verification
Instant bank account verification and balance checking. Customers link their accounts securely, and we verify funds before any credit disbursement.
- Real-time balance verification
- Account ownership confirmation
- Transaction history analysis
Stripe Auto-Deductions
Automated ACH deductions on scheduled due dates. No more chasing payments—the system handles collections automatically with proper retry logic.
- Scheduled auto-debit on due dates
- Smart retry for failed payments
- Instant payment confirmation
Delinquency Management
Accurate tracking of overdue accounts with automated escalation. Late fees are calculated precisely based on configurable rules and grace periods.
- Automated late fee calculation
- Configurable grace periods
- Escalation workflow triggers
Automated Statements & Emails
Professional PDF statements generated automatically every billing cycle. Customers receive branded emails with payment summaries and upcoming due dates.
- Monthly statement generation
- Payment reminder emails
- Branded PDF attachments
Under the Hood
Plaid Integration
We implemented Plaid Link for secure bank connection, Auth for account verification, and Balance for real-time fund checking before disbursements.
Stripe Connect
ACH Direct Debit setup with automated payment schedules. Webhook handlers for real-time payment status updates and failure notifications.
Credit Engine
Custom Python module handling credit limit calculations, available balance tracking, interest accrual, and minimum payment computations.
Notification System
SendGrid integration for transactional emails with custom templates for statements, payment confirmations, and delinquency notices.
Numbers That Speak for Themselves
Within 3 months of going live, the client saw dramatic improvements across all key metrics. The automation eliminated manual errors and freed up their team to focus on growth.
95%
Reduction in Manual Work
99.2%
Payment Collection Rate
$50K+
Monthly Savings
0
Billing Complaints
CodeCrafters didn't just build us a module—they built us a competitive advantage. Our operations team went from firefighting daily issues to actually scaling the business. The ROI was visible within the first month.
Sarah Mitchell
CEO, CapitalFlow Inc.
What Made This Project Successful
Deep Discovery Phase
We spent 2 weeks understanding their exact workflows before writing a single line of code.
Iterative Development
Weekly demos ensured the client was aligned with progress and could provide feedback early.
Thorough Testing
Financial systems demand precision. We tested every edge case before go-live.
Have a Similar Project in Mind?
Whether it's fintech, lending, or any complex Odoo integration—we've got the expertise to make it happen.