Reno – Home Renovation Financing
A complete web and mobile platform with a powerful dashboard system for Reno, a home renovation financing solution. The product covers the public marketing website, homeowner and merchant portals, quote management, finance request workflows, approval processes, payment tracking and admin management.
Project overview
At a glance
Reno wanted to digitise the entire home renovation financing journey for homeowners and merchants.
We built a multi-portal platform that handles applications, quotes, milestones and payments end to end.
It turns a fragmented process into a transparent, auditable workflow.
What we solved
Real challenges, real solutions
- 1
Homeowners faced confusing paperwork and slow approvals when applying for renovation financing.
- 2
Merchants juggled spreadsheets to track quotes, milestones and disbursements, slowing project delivery.
- 3
Reno had no central operational view of pipeline, risk or merchant performance.
Our approach
How we worked
We followed a regulated-fintech delivery model: tight security review at every milestone, threat-modelled flows, and staged rollouts. Sprints alternated between homeowner-facing and merchant-facing features so both sides progressed in parallel.
Delivery stages
- 01Discovery
- 02Security design
- 03Homeowner flow
- 04Merchant portal
- 05Admin & ledger
- 06Launch
Technical breakdown
How we built it
The platform is delivered through a Next.js marketing site and homeowner/merchant portals, a React Native mobile companion and a Node.js + Express API backed by MySQL and Redis. Homeowners apply for renovation financing through a guided multi-step form with document upload, identity check and bank statement parsing. The application is scored against rule-based eligibility criteria and routed to the underwriting queue. Merchants manage quotes, milestones, delivery confirmations and payment requests through a dedicated portal, while homeowners approve milestones to release funds. Admins oversee applications, KYC, pricing rules, merchant performance and disputes through a granular dashboard with drill-down reports. Payment orchestration integrates with the bank/payment provider for disbursements and repayments, with full ledger reconciliation. Notifications run on email, SMS and in-app channels. Strict role-based access, audit logging and field-level encryption protect sensitive PII and financial data, and the platform is hosted in a regional cloud with HA database, automated backups and monitoring.
Impact & results
What we delivered
Average application approval time fell from days to hours. Merchant onboarding is fully self-serve, and admins now run the business from a single dashboard with real-time pipeline and risk visibility.
Screenshots
Inside the project
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Want to build something like this?
Tell us what you have in mind. We'll reply within one business day with a written estimate or a quick strategy call — whichever works best for you.
- Senior team that has shipped similar systems before
- Transparent pricing — fixed scope or T&M, your call
- NDA on request before any detailed discussion