Railsr \UK

Step 2 - Operational Excellence (Months 5-8): Before expanding, build bulletproof operational infrastructure that Railsr lacked. Implement: (1) Real-time reconciliation system using Temporal workflows that checks every transaction against Stripe Treasury ledger hourly, (2) Automated compliance monitoring for KYC/AML using Persona with manual review queue, (3) Customer support system with SLAs for payment failures (resolve within 4 hours), (4) Financial controls with dual approval for any fund movement over $10K, (5) Audit trail for every transaction stored in immutable log. Build Retool dashboards for operations team showing: client fund balances, reconciliation status, compliance alerts, payment failure queue. Hire experienced fintech operations lead. Run tabletop exercises for failure scenarios (banking partner outage, reconciliation discrepancy, regulatory inquiry). Success metric: Pass SOC 2 Type 1 audit, zero fund accounting errors over 3 months, sub-1-hour mean time to resolution for payment issues.

Step 3 - Product Expansion (Months 9-14): Expand beyond financing to full healthcare payment suite for dental practices. Add: (1) Insurance verification and claims processing using AI to parse EOBs and automate COB, (2) Patient payment plans for uninsured/underinsured (interest-free installments), (3) Provider dashboard showing revenue analytics, outstanding balances, and payment trends, (4) Integration with practice management software (Dentrix, Eaglesoft, Open Dental). Revenue model expands: SaaS fee ($200-500/month per practice) plus transaction fees (2-3% for insurance, 4-8% for financing). This creates stickiness - practices can't easily switch once integrated with their PM system. Success metric: 50+ practices using full suite, $5M+ monthly payment volume, 95%+ gross revenue retention, 60%+ gross margins.

Step 4 - Horizontal Expansion Within Healthcare (Months 15-24): Replicate the model in adjacent healthcare verticals with similar payment pain points. Launch for: (1) Fertility clinics (high-cost elective procedures, complex insurance), (2) Cosmetic surgery practices (entirely elective, high ticket), (3) Physical therapy and chiropractic (insurance complexity, recurring visits). Each vertical requires customized compliance workflows and integrations but shares core infrastructure. Build vertical-specific features: fertility clinics need multi-cycle financing, cosmetic surgery needs pre-authorization workflows, PT needs recurring billing. Revenue scales non-linearly as infrastructure is reused. Success metric: 200+ practices across 4 verticals, $20M+ monthly payment volume, path to profitability at $30M ARR, Series A fundraise ($15-20M) to expand sales and add verticals.