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A retrieval engine that handles claims & appeals end to end and hands a human the exceptions rather than the queue. Aimed at lending ops teams, charging only when it actually works.
In short: Lending Appeal Drafter is a retrieval engine aimed at lending ops managers, covering claims & appeals. It scores 77/100 on AltF Ideas, carried by moat (97) and held back by open field (49). Typical pricing is $14k–$206k per customer per year, with a first version reachable in six to twelve months for $33k–$115k.
Lending teams lose denials abandoned because appealing costs more than the claim. A typical lending operation runs this on people, memory, and a shared spreadsheet. Most operators assume this is simply the cost of doing business.
Claims & appeals handled by a retrieval engine, with a human signing rather than writing. Revenue is managed service, which suits a buyer who wants the cost to track the value rather than the seat count.
| Total addressable market | $1.0B |
|---|---|
| Category growth (CAGR) | 14% |
| Annual contract value | $14k – $206k |
| Pricing model | Managed service |
| Time to first revenue | 78 days |
| Startup cost to MVP | $33k – $115k |
| Build effort | 6-12 months |
Retrieval over private documents became cheap enough to run per query. Lending is growing at roughly 12% a year, and this job has not been re-tooled since it was designed around paper.
| Who | The gap |
|---|---|
| The incumbent suite | Sells a platform; this job is one neglected module inside it |
| A spreadsheet | The real incumbent in most of the market, and it is free |
| A generalist AI tool | No domain grounding, so output needs full human review |
Trust has to be earned before anyone lets this run unsupervised.
An idea you cannot act on is entertainment. Four concrete steps, wired to tools already running on AltFTool.
Score problem urgency, willingness to pay, and reachable audience size before writing any code.
→ AltF IdeaLabAsk how they handle this today and what it costs them. If nobody can quantify the pain, the demand score is optimistic.
→ Survey BuilderCheck availability, DNS, and email authentication in one pass so your first outreach lands in an inbox.
→ AltF DomainOpsStand up intake, the review queue, and billing before you build the clever part.
→ AltF Flow