Premium finance · Aviation · California-first · Status for Matt & Teddy

A quote becomes a financed account — for real.

Producers build a quote; the aircraft owner opens a secure tokened link (no login), reviews the plan and pays via Stripe, and it becomes a financed account. It's one Quotes console spanning the whole book — filter by status from Quoted through Paid off — backed by real Stripe test payments. Customers never log in; they're data + an email-keyed Stripe customer.

Open the live app → Open questions ↓

Where we are dev · updated 2026-07-02

Live on dev

Quotes consoleUnified · status pill filter · defaults to your own

Roles & accessCorporate · agency-admin · producer — enforced end-to-end

Stripe paymentsReal · test mode · Payoff / Cancel / Record

Agreement PDFInline preview + download · branded

Carriers14 BWI carriers loaded

Customer accessTokened link · no login

Shipped this week Jul 1–2

IAQuotes & Accounts unified into one status-filtered book; producer column; owner shown per quote
AccessiFly Dev = the platform team (super-admins); agencies are isolated tenants; dashboards & carriers gated
CustomerUpfront pay-in-full removed (that money goes to the brokerage); tokened link only
FeesCA program seeded; late/NSF/admin fee columns pending the numbers (KAN-6)

What's next near-term roadmap

Building next unblocked

KAN-43Revoke + re-issue a quote/link (matches how FileMaker revokes IPFS URLs on edit)
KAN-44Customer entity — a customers table + quote→customer link (not a login)
KAN-45BWI → iFlyFinance ingestion — "mark as financed" + push/pull job into the /import/quote seam
KAN-6Rate-table fee columns (late / NSF / admin) — wire the moment Matt confirms the numbers

Hardening & infra

KAN-13Tenant-DB pool auto-provision + warm buffer (so signups never wait)
KAN-14Production pipeline + custom domain (dev is live today)
KAN-15Grace / delinquent cron (deferred per Teddy — turn on when servicing goes live)
KAN-33Varied account states via Stripe test clocks (demo Grace / Delinquent / Complete)

Live environment deployed to dev · Azure

Producer · live

1 book · all statuses

Producer console

One Quotes surface — pill-box status filter (Quoted → Paid), producer column, defaults to your own book. Account detail: financing, schedule, payment history, balance & next payment; Payoff / Cancel / Record payment.

Open live app →

Customer · live

Link · no login

Customer tokened link

The aircraft owner opens the secure quote link from the email (QuoteGuid + JWT) — reviews the plan, previews / downloads the agreement PDF, and pays via Stripe. No account, no login.

get a link open any quote in the producer console → Send / copy customer link

Roles & access who sees what

Three tiers

CorporateMatt · Teddy · Brian (the iFly Dev tenant). Platform-wide: manage carriers, provision agencies, dashboards. Everyone in iFly Dev is a super-admin.
Agency adminA producer who also manages their own agency — creates/removes producers, edits programs, API key. No dashboards or carriers.
ProducerAn agent. Sees their own quotes by default; an admin can filter to the whole agency. No program editing.
CustomerNo login. A secure tokened link + an email-keyed Stripe customer.

Test logins dev only

Tier	Login	Password
CORPORATE	brian@spotcircuit.com	iflyf123
AGENCY ADMIN	skyline.admin@iflyfinance.dev	TestPass1!
PRODUCER	Skyline: Alex & Jordan (agent) — login enabled on request

Producers/admins → /login. iFly Dev = the platform tenant; Skyline Test Agency is a separate, isolated agency.

Process flows

Quote → Account lifecycle

stateDiagram-v2
    [*] --> Quoted: producer builds finance quote
    Quoted --> InProgress: customer accepts + pays down (Stripe)
    Quoted --> [*]: quote expires / deleted
    InProgress --> Grace: a payment fails
    Grace --> InProgress: payment resumes
    Grace --> Delinquent: grace ends (+ late fee)
    InProgress --> Complete: fully paid · or producer Payoff
    Delinquent --> Cancelled: delinquent period ends
    InProgress --> Cancelled: producer Cancel
    Grace --> Cancelled: producer Cancel
    Delinquent --> Cancelled: producer Cancel
    note right of InProgress
      Account = any status past Quoted (terms locked).
      Producer servicing: Payoff, Cancel, Record payment.
    end note

End-to-end journey

flowchart TD
    P[Producer builds finance quote] --> S[Send secure customer link]
    S --> R[Customer reviews the plan]
    R --> Pay[Accept and pay down via Stripe]
    Pay --> Acct{{Account · InProgress}}
    R --> PDF[View agreement PDF
via the same tokened link]
    Acct --> Manage[Producer Manage hub:
Payoff · Cancel · Record payment]
    Acct --> Cust[Customers directory:
by insured · search]

Design prototypes static mockups · the visual target

Customer · Stripe

$1,792/mo

Customer payment flow

Tokened link · financing plan (pay-in-full lives at the brokerage gateway) · flight-path schedule · Truth-in-Lending box · adopt-&-sign + pay.

Open mockup →

Producer · console

17.75%

Producer quote-builder

Wizard · prefilled insured · policy schedule · live-recalculating down payment / term / APR.

Open mockup →

Open questions decisions we need from Matt / Teddy

KAN-6CA CFL fees. Exact late / NSF / admin amounts within the caps (late ≤ $15, NSF ≤ $15, admin $0–$50 / $0–$75), the late-fee trigger, and who can waive. Placeholder is a flat 5% today — needs the real numbers to wire the rate-table fee columns.
RefundsCancellation refund policy. How much unearned premium to actually refund, and the notices. We currently estimate it on Cancel but don't process a refund.
RestructureWhen terms change on a live loan — is that a cancel + re-quote, or an in-place amendment that re-papers & re-signs?
TermFinancing term. Is 9 months fixed, or does it vary by premium / policy? (config default = 9)
ExpiryDo un-accepted quotes expire? (No expiry today.)
KAN-5Customer signature before the down payment — a typed name + checkbox, or a real e-sign vendor? Simple flow assumed for now.
KAN-49Carriers. One shared list across all agencies (current build), or does each agency curate its own? 14 BWI carriers are loaded.
KAN-45BWI → iFlyFinance ingestion. Does BWI mark a quote "to be financed" and a job pushes it in, or is manual entry the v1 reality? A seam (/import/quote) exists.
NamingKeeping "Quotes" as the single surface (Teddy: 👍). Confirm the word for a loan-in-progress — "Account" is our working term.