Choose Your Perfect Plan
Start free or trial Pro for 7 days. Hard caps on every plan, predictable billing, and no surprise overages.
A modern CRM, automation, and AI co-pilot for your pipeline.
Free
Try the platform with a real pipeline. 50 contacts, view-only email, mobile app access — no credit card.
- Up to 50 contacts
- Up to 5 active loans
- 1 team member
- 3 opportunity scans / month
- 0 credit pulls / month
- 0 emails / month
- 0 SMS / month
- 100 communication tokens / mo
- Real-time collaboration
- Debt analysis
- Team pipeline
- Branch reporting
- Advanced analytics
- API access
- Custom reports
- White-label branding
- Priority support
Solo Pro
For solo loan officers running an active pipeline. 2,500 contacts, 500 active loans, capped credit pulls and SMS, full API access.
- Up to 2,500 contacts
- Up to 500 active loans
- 1 team member
- 1,000 opportunity scans / month
- 25 credit pulls / month
- 5,000 emails / month
- 1,000 SMS / month
- 3,000 communication tokens / mo
- Real-time collaboration
- Debt analysis
- Team pipeline
- Branch reporting
- Advanced analytics
- API access
- Custom reports
- White-label branding
- Priority support
Team
For branches and growing teams. 5 seats included, branch reporting, white-label, white-glove onboarding. Add more seats at $49/seat/mo.
- Up to 25,000 contacts
- Up to 5,000 active loans
- 5 team members
- 25,000 opportunity scans / month
- 250 credit pulls / month
- 50,000 emails / month
- 10,000 SMS / month
- 20,000 communication tokens / mo
- Real-time collaboration
- Debt analysis
- Team pipeline
- Branch reporting
- Advanced analytics
- API access
- Custom reports
- White-label branding
- Priority support
Enterprise
Custom deployments for lenders, call centers, and IMB headquarters. Volume pricing, white-label, dedicated CSM.
- Unlimited contacts
- Unlimited active loans
- Unlimited team members
- Unlimited opportunity scans
- Unlimited credit pulls
- Unlimited email volume
- Unlimited SMS volume
- 50,000 communication tokens / mo
- Real-time collaboration
- Debt analysis
- Team pipeline
- Branch reporting
- Advanced analytics
- API access
- Custom reports
- White-label branding
- Priority support
Compare Features
See everything included in each plan
| Feature | Solo Free | Solo Pro | Team | Enterprise |
|---|---|---|---|---|
| Pipeline & CRM | ||||
| Contacts | 50 | 2,500 | 25,000 | Custom |
| Active loans | 10 | 500 | 5,000 | Custom |
| Scenarios per loan | 1 | 5 | 10 | Custom |
| Team seats | 1 | 1 | 5 incl · $49/extra | Custom |
| Tags & custom fields | ||||
| Real-time client collaboration | ||||
| Data & integrations | ||||
| Plaid connections (per LO) | 5/mo | 100/mo | 500/mo | Custom |
| Soft credit pulls included | — | 25/mo | 250/mo | Custom |
| Hard credit pulls included | — | 5/mo | 50/mo | Custom |
| API calls / month | — | 5,000 | 50,000 | Custom |
| Webhooks | ||||
| SSO (SAML / OIDC) | ||||
| Communications | ||||
| Communication tokens / mo | 100 | 3,000 | 20,000 | Unlimited |
| Emails / month | 0 | 5,000 | 50,000 | Custom |
| SMS / month | 0 | 1,000 | 10,000 | Custom |
| Phone calling | ||||
| AI voice agent | ||||
| Automation & AI | ||||
| Active campaigns | 0 | 10 | 25 | Custom |
| Refinance opportunity scans | 3/mo | Daily on book | Daily on book | Custom |
| Opportunity scoring | Basic | Advanced | Advanced | AI-powered |
| Debt analysis | ||||
| Reporting & support | ||||
| Analytics dashboard | ||||
| Branch reporting & roll-ups | ||||
| White-label branding | ||||
| Support | Community | Priority email | Priority email + chat | 24/7 + dedicated CSM |
Frequently Asked Questions
Everything you need to know about pricing
Is there a free plan?
Yes. Loan officers get Solo Free, real estate agents get a Free tier, and the consumer mobile app has a Free tier. No credit card is required for any free tier.
How does the free trial work?
Solo Pro and Team include a 7-day free trial. We collect a card up front so the subscription continues automatically when the trial ends, but we don't charge during the trial and you can cancel any time before it ends without being charged.
Can I switch plans later?
Yes — upgrade or downgrade any time from billing settings. Upgrades prorate immediately; downgrades take effect at your next billing cycle so you keep your current plan caps until then.
Can I cancel anytime? Are fees refundable?
You can cancel any time from Settings → Billing. Cancellation stops future renewals and your paid access continues through the end of the current billing period. Except where required by law, subscription fees are non-refundable and we do not prorate partial periods. Enterprise contracts follow their written order terms.
How does per-seat pricing work?
Solo Free and Solo Pro are single-seat plans. Team includes 5 seats; additional seats are billed per seat per month. Enterprise seat counts are contracted as part of the deal.
What about credit pulls and Plaid connections — are those metered?
Yes. Each plan includes a monthly bundle of Plaid connections and credit pulls; when the bundle is used up, those actions pause until your next cycle or an upgrade. Email and SMS can run past the bundle at $0.02 per extra email and $0.10 per extra SMS, with a hard cap at 2× your plan limit so costs cannot run away.
Is there a setup fee?
No setup fees on self-serve plans (Solo Free, Solo Pro, Team). Enterprise deployments may include a one-time implementation fee based on integrations and migration scope.
Do you offer a discount for annual billing?
Yes. Annual billing is discounted versus paying month-to-month; the exact annual price for each plan is shown when you toggle to "Annual" above.
How are payments processed?
All plans are billed through Stripe, a PCI DSS Level 1 certified payment processor. Card details are entered on Stripe-hosted checkout; Finanzo never stores raw card numbers.
Do you have a plan for homebuyers?
Yes — the consumer mobile app has a Free tier and a Premium tier, billed monthly or annually. Premium unlocks the smart allocation engine, refinance monitoring, credit-score goals, and higher caps on linked accounts, saved searches, and tracked properties. There is no trial timer; start or cancel Premium any time.
Do you have a plan for real estate agents?
Yes — agents get a Free tier and an Agent Pro tier with a 7-day free trial. Agent Pro adds higher client caps, refinance alerts on past clients, and co-branded pre-approval letters with your loan officer. See the agents page for details.
Do you have a plan for wholesale lenders?
Wholesale lender pricing is negotiated per lender based on program count, integration depth, seat counts, and white-labeling. Contact our lender team to scope a fit.
Ready to Get Started?
Start with Solo Free or trial Solo Pro / Team for 7 days. No surprise charges — caps on every plan keep your bill predictable.
Cancel anytime from Settings → Billing. Fees are non-refundable except where required by law; paid access continues to the end of the billing period. See the Terms of Service.