Premium finance · Aviation · California-first

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. The producer console separates Quotes from Accounts (schedule + payment history + balance) — backed by real Stripe test payments. Customers never log in — they are data + an email-keyed Stripe customer.

Open the live app →

Live environment deployed to dev · Azure

Producer · live

21 quotes · 5 accts

Producer console

Quotes / Accounts / All toggle · account detail with financing, payment schedule, payment history, balance & next payment.

login brian@spotcircuit.com · iflyf123 (dev)

Open live app →

Customer · live

Link · no login

Customer tokened link

Aircraft owner opens the secure quote link from the email (QuoteGuid + JWT) — reviews the plan, downloads the agreement PDF, pays via Stripe. No account, no login (removed 2026-07-01 per Teddy/Matt).

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

Test accounts dev environment

Role	Company / Insured	Login	Password	Where
ADMIN	SpotCircuit — full data	brian@spotcircuit.com	iflyf123	/login
ADMIN	Skyline Aviation Brokers — fresh company	demo.producer@iflyfinance.dev	DemoPass1!	/login
CUSTOMER	No customer logins (removed 2026-07-01) — customers use the secure tokened quote link from the email			/customer/quote/{guid}

Dev/test credentials only. Producers/admins log in at /login; customers never log in — send them the tokened link from a quote.

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]