INTERNAL · FOUNDERS · BUILD TEAM

Solara Global Capital
Operating System

The complete master plan and full wireframe for a fast, integrated, two-stack capital advisory platform — uniting the CRM (Render/Mongo) with the new AI workload stack at apps.sgcap.au.

Prepared for

Solara · Founders & Directors

Document

Reference · SGCAP-MASTER-2026-001
Version · 1.0 Final
Date · 24 May 2026

Capital · Strategy · Precision

Contents

Document Map

This master plan consolidates the 7-Day Implementation Pack, the Solara Operating System v5, and the AI Workflow Roadmap into one integrated document. The order is decision-first: architecture, then current-state review, then the staged plan, then the full wireframe re-cut, then governance.

01Executive Summary & Five Anchors 02The Two-Stack Architecture 03Current State Review 04Live Checkpoint Cards 05Build Component Inventory 06Gap Analysis vs Operating Doc v5 07The Six-Phase Master Plan 08Integration Architecture 09API Contract & Data Sync 10Auth, RBAC, Observability 11Wireframes — CRM (12 surfaces) 12Wireframes — apps.sgcap.au (9 surfaces) 13End-to-End Flows (CRM ⇌ sgcap handoff) 14KPIs & Success Measures 15Risk Register 16Closing & Next Actions

01 · Executive Summary

The plan in one page

Solara already runs a working capital advisory CRM at app.solaraglobal.au with a $102.48M pipeline, 27 live applications, 15-tab deal modal, mirrored Drive sync (395 documents on the largest deal), settlements queue, finance with mandates and brokerage, introducer role, Go-Live readiness dashboard and bulk import. The shell is strong. The spine is missing — and the AI horsepower needed to scale belongs on a separate runtime so the CRM stays fast.

This document does three things. One, it reviews everything currently planned across the 7-Day Pack, the Operating System v5, and the AI Workflow Roadmap — with checkpoint status for each component. Two, it consolidates the build into a single two-stack master plan that respects Solara's architectural decision: keep the CRM lean and fast, push every heavy or slow workload onto apps.sgcap.au. Three, it provides a full wireframe re-cut for all surfaces on both stacks, with the integration touchpoints explicitly drawn.

The Five Anchors (governance for every decision)

Anchor 01

★

Client Value

Anchor 02

$

Business Value

Anchor 03

⚡

Speed to Assessment

Anchor 04

→

Speed to Solution

Anchor 05

✓

Actioning Solutions

What the live audit shows

Pipeline Value

$102.48M

27 active applications

Stuck 7+ Days

21 / 27

77.8% stall rate

Submitted to Lender

0 / 27

Approval rate 0%

Lender DB Seeded

0 / 0

Match engine blocked

The five-line case

1. Preserve. Keep the 15-tab modal, Drive sync, finance, introducer role, settlements queue, Go-Live dashboard, bulk import. They work.

2. Adopt the six-stage spine. Triage → Case Assembly → Solution Design → Capital Matching → Execution → Monitoring.

3. Add the Strategy & Pattern layer. A Strategy tab on every case plus a Solution Pattern Library (AJM-001, TAR-002) for reusable IP.

4. Split the workloads. Operational reads/writes on the CRM; AI batches, doc summarisation, autofill, scraping, content on apps.sgcap.au.

5. Activate the people surfaces. Client portal, partner portal with commissions, user profile with email intelligence, PWA shell, portfolio monitoring.

What's new in this master plan vs v5

Element	v5 Operating System position	This master plan position
Stack model	Single stack — all modules on Render/FastAPI/Mongo at app.solaraglobal.au.	Two stacks. CRM stays lean on Render/Mongo. AI workloads, document processing, lender autofill, market intel, content engine all on Cloudflare Workers + D1 + R2 at apps.sgcap.au.
AI architecture	Cost-controlled orchestrator inside the CRM.	App Centre on apps.sgcap.au runs all Claude batch jobs. CRM calls apps.sgcap.au via signed API; results return via webhook to the case timeline.
Lender Autofill	Not specified in v5.	Highest-ROI new system. Canonical client schema in D1 → fills every lender PDF on demand. Sits on apps.sgcap.au.
Doc Bundle Summariser	Not specified; AI Brief tab implied.	Interactive + batch summariser on apps.sgcap.au. Sub-2-minute readouts. Outputs land in CRM case timeline.
CRM crash/perf risk	Not addressed.	Resolved by architectural separation. Heavy work cannot block user-facing CRM operations.

02 · Architecture

The Two-Stack Architecture

One company. Two runtimes. One shared identity layer. The CRM owns operational truth and user-facing speed. apps.sgcap.au owns heavy lifting, AI batches and document processing. They talk over a signed API and a shared Google Workspace identity. Neither can break the other.

CRM Stack

app.solaraglobal.au · Operational

Frontend: React on Cloudflare Pages
Backend: FastAPI on Render (paid tier)
Database: MongoDB Atlas (Sydney)
Storage: Google Drive (per-case folders)
Owns: Cases, Lenders, Patterns, Users, Audit, Pipeline, Stage gates
Owns: Portals (Admin / Partner / Client)
Owns: Workflow engine, SLAs, RBAC
Owns: Finance, Xero invoices, Settlements
Owns: Resend transactional email
Stays lean: never blocks on AI or batch work

⇌

Signed
API + Webhook
Bridge

Google OAuth
shared identity

AI & Workload Stack

apps.sgcap.au · Heavy lifting

Frontend: Next.js on Cloudflare Pages
Compute: Cloudflare Workers (edge)
Database: Cloudflare D1 (canonical client schema)
Storage: Cloudflare R2 (document staging)
Owns: App Centre (Claude batch jobs)
Owns: Document Bundle Summariser
Owns: Lender PDF Autofill Engine
Owns: Market intel scraping, content engine
Owns: Vendor outreach batches, lead triage
Can be slow: async jobs, batch APIs, long-running

Why this split matters

CRM Stays Fast

Heavy Claude calls, PDF generation, scraping and batches never run in the same process as the user-facing CRM. A 30-minute batch job on apps.sgcap.au cannot crash or slow a case open in the CRM.

Cost Discipline by Design

Anthropic batch pricing (≈50% of real-time tokens) is only available through batch endpoints. Putting AI workloads behind a queue on apps.sgcap.au lets every non-urgent job take the cheap path.

Independent Deploys

Ship the App Centre, Autofill or a new scraping adapter without touching the CRM codebase. CRM regressions stay isolated. Two GitHub repos, two release cadences, one product.

Right Tool, Right Layer

Cloudflare D1 is perfect for the canonical client schema and lender form mapping (relational, edge-cached). MongoDB is right for the CRM's case + audit shape (document, append-heavy).

One Identity

Google Workspace OAuth governs both stacks. Sign in once with Solara's or Solara's @sgcap.com.au account; both surfaces accept the same id token. No second password.

One Source of Truth

The CRM remains system of record for cases, lenders, patterns. apps.sgcap.au holds the canonical client schema (autofill) and ephemeral job state. No double-edit conflicts.

End-to-end data flow (deal lifecycle)

01 · CRM

Inbound enquiry

Website form, email referral, Tender Engine intake → ExternalDeal record created in MongoDB.

→

02 · sgcap

App Centre triage

CRM POSTs deal summary to apps.sgcap.au. Deal Triage app runs; returns structured shape, fit score, suggested patterns.

→

03 · CRM

Promote to Case

Admin reviews triage card in CRM. Promotes to Case; six-stage spine begins. AI Brief tab populated from triage output.

→

04 · sgcap

Doc Bundle Summariser

Client uploads BAS, financials, lease, ID. Bundle pushed to apps.sgcap.au. Summariser returns inventory + risk flags + draft exec summary.

→

05 · CRM

Strategy + Capital Match

Pattern matched. Lender Match returns top-3. Signed off internally. CRM stage advances to Capital Matching.

06 · sgcap

PDF Autofill

For each chosen lender, Autofill engine pulls canonical client profile from D1, renders filled PDF. Narrative sections drafted by Claude.

→

07 · CRM

Execution

Filled PDFs land in case folder. Signing, CP tracker, settlement run in CRM. Resend dispatches; Xero invoices.

→

08 · CRM

Monitoring

Settled → MonitoringRecord auto-created. Maturity scanner sweeps nightly. Refi window detected → back to Triage.

→

09 · sgcap

Compounding intelligence

Settled deal → case study generator + pattern capture. Vendor outreach picks up adjacent leads. Loop closes.

Architectural rule

Operational truth is in the CRM. Heavy compute and AI is on apps.sgcap.au. If a feature requires neither speed-critical user interaction nor canonical state, it belongs on apps.sgcap.au. If it requires either, it belongs on the CRM and may call apps.sgcap.au for help.

03 · Diagnosis

Current State Review

A consolidated read of what is live, what is in flight, and what is planned across the three briefs Solara has shipped — the 7-Day Module Implementation Pack, the Operating System v5, and the AI Workflow Roadmap. The shape is the same in all three: strong operational shell, missing strategy spine, AI horsepower not yet wired in. The remaining work is to land all of it on the two-stack model.

What is in production today (audit · 23 May 2026)

#	Module	What it does	Stack	Status
1	Dashboard	KPI cards, recent applications, status overview, 21-deals stuck alert	CRM	Live
2	Pipeline	Kanban across 9 paper statuses (to be re-mapped to 6 stages)	CRM	Live
3	Applications · 27	15-tab detail modal, ref scheme SG-YYYYMMDD-XXXXXX	CRM	Live
4	Clients · 13	Client entities, totals, deals, joined	CRM	Live
5	Templates · 8	4 doc + 4 email templates	CRM	Live
6	Lender Database	Interactive map & directory · filters by type, state, loan limit	CRM	Empty (0 of 0)
7	Settlements	Upcoming settlements queue · 1 row · ATSolve 26d overdue	CRM	Live · overdue
8	Overdue Docs · 102	Outstanding checklist chase	CRM	Live
9	Staff · 5	3 admin · 2 introducer	CRM	Live
10	Go Live · 1 / 27	Per-deal readiness · settlement field blocks 26	CRM	Live
11	Systems · 8 / 1 / 2	Integration status panel · 8 connected, 1 disconnected (Solara's Gmail), 2 unconfigured	CRM	Partial
12	Bulk Import	JSON dry-run + import (clients + applications)	CRM	Live
13	Activity	Deal-level status events with timestamps	CRM	Live
14	Operations	App health · Drive sync · overdue reminders · login events	CRM	Live
15	apps.sgcap.au shell	Cloudflare Pages + Workers + D1 stack provisioned	sgcap	Scaffold

Strengths to preserve (do not touch)

Reference-numbered applications

SG-YYYYMMDD-XXXX — clean, lender-presentable, auditable. Keep as the canonical case ID across both stacks.

Mirrored Drive sync

395 documents on one deal synced without effort. Per-case folder tree. Document store remains Google Drive on the CRM.

Finance module

Mandates, Brokerage, Introducer Payouts, Monthly Close, Xero — rare for a broker platform. Keep on CRM.

Operational discipline

Go-Live readiness dashboard, Bulk Import, Operations panel, Systems status, Activity log. Already institutional shape.

Introducer role in data model

Slot already exists for Partner Portal launch. No data migration required.

Eight live integrations

Drive, Xero, Resend, Sentry, mailbox delegations, encrypted backups, encryption keys, DNS — operational foundation in place.

04 · Live Checkpoints

Live Build Checkpoints

Every named module across the three briefs as a checkpoint card with current status. Green = live in production today. Amber = in flight or scaffolded. Grey = planned. This is the single page Solara and the build team can read every Monday to see the actual state of the build.

7-Day Pack · Launch Modules

✓

Day 0 · Platform Launch Control Live

Health endpoints, environment separation, branch model, Sentry release tagging. Production hardening complete after the controlled go-live. Stack: CRM.

●

Day 1 · Six-Stage Operating Spine v0 In flight

Map existing 9 paper statuses → Triage / Case Assembly / Solution Design / Capital Matching / Execution / Monitoring. Feature flag: six_stage_spine_enabled. Stack: CRM.

●

Day 2 · Solution Engine v0 (Pattern Library) Scaffolded

Internal-only Solution Pattern Library seeded with AJM-001 and TAR-002. Strategy tab on case modal. Stack: CRM (pattern records); future memo composition → sgcap.

Day 3 · Tender Engine v0 (Manual Intake) Planned

ExternalDeal model + manual entry + CSV import + Tender Inbox view. Source attribution. No automated connectors in v0. Stack: CRM (intake) + sgcap (parsing/extraction).

Day 4 · Growth & Origination Engine v0 + Launch Observability Planned

SourceAttribution fields, origination dashboard. Sentry releases, PostHog event taxonomy, UptimeRobot monitors. Stack: CRM (attribution) + sgcap (lead triage).

Day 5 · Capital Match + Lender DB Baseline Planned

Structured appetite fields. Tier 1 lender import template. Manual shortlist on case Strategy tab. Stack: CRM (Lender DB); future AI-scored ranking → sgcap.

Day 6 · Portal Readiness v0 Planned

RBAC sanity check. Admin/Partner/Client routes role-gated. Invite-only client + partner. Stack: CRM.

Day 7 · Controlled Go-Live Planned

Final readiness review. Smoke tests pass. Sentry receiving production events. Pilot users named. Stack: CRM.

v5 Operating System · Future Build Cards

BC-01 Solution Engine v1 Planned

Five-layer engine: deal interpretation → pattern match → capital stack → memo composition → action. Strategy tab card stack. Feature flag solution_engine_enabled. Stack: CRM (Strategy UI, Solution records) + sgcap (interpretation, memo drafting).

●

BC-02 Cost-Controlled AI Orchestrator Rehoming → sgcap

v5 placed orchestrator inside the CRM; this master plan moves it to apps.sgcap.au as the App Centre. Same controls (model tiering, caching, ROI gates) — different runtime. Stack: sgcap.

BC-03 Market Deal Feed & Tender Engine v1 Planned

External deal ingestion spine. Adapter framework. Feature flag per source: Marketplace Finance, AFG/LMG/Connective, Valiant Savanna, ASIC Published Notices, ARITA, Omicron CMN, CreditorWatch BRI, Balmain NB. Stack: CRM (inbox UI, promotion) + sgcap (adapter workers, extraction).

BC-04 Growth & Origination Engine v1 (Channel A + B merge) Planned

Unify direct funnel + Tender Engine into single capture/triage/promote/attribute flow. Webhook for website form, mailbox label routing. Stack: CRM (attribution dashboard, ExternalDeal extensions) + sgcap (lead classification).

BC-05 Capital Match & Lender Database v1 Planned

Structured appetite signature per lender. AI-scored shortlist with reasoning, parallel + fallback sequencing. Stack: CRM (Lender DB CRUD) + sgcap (Lender Matcher app).

BC-06 Portal Layer v1 (Admin · Partner · Client) Planned

Per-portal route tree. Client camera upload via PWA. Partner commission dashboard from Finance · Introducer Payouts. Stack: CRM.

BC-07 User Profile + Email Intelligence Planned

Four profile types (Client / Introducer / Lender / Staff). Gmail watch on consented staff mailboxes only. Classification + tension flags + draft replies. Stack: CRM (profiles) + sgcap (classification worker).

BC-08 Portfolio Monitoring Planned

Post-settlement loan book view. Covenant tracking, maturity scanner, refi window detector. Stack: CRM (MonitoringRecord, dashboard) + sgcap (scheduled evaluator).

PWA + Native shell Planned

React frontend wrapped as installable PWA → Capacitor wrapper for Mac & iPhone. Push notifications for SLA breaches and AI Action Feed. Stack: CRM (wrap the existing React app).

AI Workflow Roadmap · apps.sgcap.au Core & Extensions

App Centre (shell) Planned · 2-3 days

Library of triggerable Claude batches. Each app = named prompt + input schema + output schema + model tier. Submits to Anthropic Message Batches, polls, parses, notifies. Stack: sgcap.

Day-one App Library — Site Scorer · Deal Triage · Lender Matcher · Payment Claim Analyser · Doc Pack Summariser Planned · 1-3 days each

Five batch apps live in App Centre. Each has structured input + output schema and a versioned prompt. Stack: sgcap.

Loan & Document Bundle Summariser Planned · 1-2 weeks

Interactive mode for live deals (sub-2-min readout from bundle). Batch mode for portfolio analytics. Worked example: Dr Ajanthan / Judo Bank — compresses half-day work to under 5 min. Stack: sgcap.

Lender PDF Autofill Engine Highest ROI · 1-2 weeks

Canonical client schema in D1 → fills every lender PDF on demand via pdf-lib. Narrative drafting (purpose of funds, exit strategy, borrower experience) by Claude. Half a day per new lender mapping after framework lands. Stack: sgcap.

Brokerage operations apps — Compliance & ACL prep · Settlement readiness check · Client communication drafts · Weekly pipeline brief Planned

Four batch + real-time apps reducing operational overhead. Pipeline brief lands every Monday morning. Stack: sgcap.

Centurion & distressed-asset apps — Project monitoring · Payment claim analyser · Legal correspondence summariser · Defence-strategy index Planned

Specialist apps for Castle Hill, Project 1, MKM Civil, EN24/0169, AFCA/Angas, Aussie Prime Land. Stack: sgcap.

Marketing & content apps — Market intelligence digest · Content engine · Case-study generator · Website page production Planned

Daily market brief overnight; weekly LinkedIn / newsletter content in Solara voice; auto case studies on settlement; sector landing pages auto-published. Stack: sgcap.

Lead generation apps — Vendor outreach · Referral partner nurture · Lender relationship maintenance · Inbound lead triage · Council DA monitoring · Off-market intelligence Planned

Six lead-side batches. Vendor outreach engine pairs with the industrial sites scoring work. Council DA monitoring catches highest-intent vendor moments. Stack: sgcap.

05 · Inventory

Build Component Inventory

Every named component, every source document, every stack assignment in one table. This is the source-of-truth list the build team and Solara can scan to confirm nothing has been dropped.

Component	Source doc	Stack	Status	Notes
CRM · Operational spine
Dashboard (KPI + Action Feed)	v5 §03.1	CRM	Live · extend	Add Time-to-Assess, Time-to-Terms, Book Value, Lenders Engaged. AI Action Feed reads from sgcap.
Pipeline (6-stage)	v5 §07 · 7-Day Day 1	CRM	Migrating	Non-destructive mapping from 9 paper statuses. Sub-status retained.
Cases view (new)	v5 §03.1	CRM	Planned	Layer above Applications. A case can carry multiple lender paths + a strategy.
Case View (15+3 tabs)	v5 §03.2 · 7-Day Day 2	CRM	Live (15) · +3 planned	+Strategy +Capital Match +AI Brief. Days-in-stage + SLA chip above header.
Strategy tab (Pattern application)	v5 §03.3 · BC-01	CRM	Planned	Diagnosis, options, recommended pathway, pattern, risk, rationale, approval log.
Solution Pattern Library	v5 §03.3 · §13 · 7-Day Day 2	CRM	Seeded · 2 patterns	AJM-001 + TAR-002 seeded. Pattern Capture dialog on case close.
Capital Match tab	v5 §03.4 · BC-05	CRM ⇌ sgcap	Planned	UI in CRM. AI-scored ranking via sgcap Lender Matcher app.
Lender Database	v5 §03.4 · BC-05	CRM	Empty · seed needed	Structured appetite signature. Tier 1 import template.
Portfolio Monitoring	v5 §03.8 · BC-08	CRM ⇌ sgcap	Planned	Loan book table + concentration + opportunity triggers. Scheduled evaluator on sgcap.
Partner Portal (Introducer)	v5 §03.5 · BC-06	CRM	Planned	Filtered view of CRM. Commission dashboard from Finance · Introducer Payouts.
Client Portal	v5 §03.6 · BC-06	CRM	Planned	Self-service uploads, progress bar across 6 stages, secure messaging.
User Profile + Relationships	v5 §03.7 · §14 · BC-07	CRM ⇌ sgcap	Planned	Profile UI on CRM. Email classification + tension flags on sgcap.
PWA installable shell	v5 §15	CRM	Planned	Wrap existing React frontend. Offline read cache. Push notifications.
Native Mac & iPhone (Capacitor)	v5 §03.9 · §15	CRM	Planned · later	Capacitor wrap of PWA. App Store + biometric unlock. Web stays SoR.
Settlement workflow	v5 §05	CRM	Live · 1 / 27	Pre-fill from lender + deal stage. Stage-gate at Execution → Monitoring.
Templates	v5 §05	CRM	8 templates · expand	Add scenario packs linked to Solution Library.
Email + Calendar (Gmail OAuth)	v5 §05 · Phase 1	CRM	Solara live · Solara not	OAuth reconnect for Solara's mailbox. IMAP/SMTP fallback decision.
Finance · Mandates · Brokerage · Xero	v5 §05	CRM	Live	Keep. Source for Partner commission dashboard.
apps.sgcap.au · AI & workload spine
App Centre (shell)	AI Roadmap §01	sgcap	Planned · 2-3 d	Worker submits to Anthropic Batches; cron poller; D1 persistence; user notify.
Site Scorer (batch)	AI Roadmap §01	sgcap	Planned	Re-scores industrial sites database against current criteria.
Deal Triage (batch)	AI Roadmap §01	sgcap	Planned	Returns structured assessment: size, asset class, lender fit, red flags, next action.
Lender Matcher (batch)	AI Roadmap §01	sgcap	Planned	Ranks full lender panel against deal characteristics with reasoning. Feeds Capital Match tab in CRM.
Payment Claim Analyser (batch)	AI Roadmap §01 · §05	sgcap	Planned	Tier 1 / Tier 2 breakdown for BIF Act Payment Schedule responses. Generalises MKM Civil exercise.
Loan & Document Bundle Summariser	AI Roadmap §02	sgcap	Planned · 1-2 wk	Interactive + batch. Sub-2-min readouts. Outputs land in CRM case timeline.
Lender PDF Autofill Engine	AI Roadmap §03	sgcap	Planned · 1-2 wk	Highest ROI. Canonical client schema → every lender PDF prefilled + narrative drafting.
Compliance & ACL prep app	AI Roadmap §04	sgcap	Planned	File notes, fact-find summaries, Statement of Credit Assistance drafts. Designed ACL-ready.
Settlement readiness check (nightly batch)	AI Roadmap §04	sgcap	Planned	Cross-references checklist vs documents on file; flags missing items, stale vals, expiring offers.
Client comm drafts (real-time)	AI Roadmap §04	sgcap	Planned	Update emails, CP requests, follow-up nudges in Solara / Solara voice.
Weekly pipeline brief (Mon AM)	AI Roadmap §04	sgcap	Planned	Single document for the weekly review. Every live deal, stage, days since last touch, next action.
Project monitoring (Centurion)	AI Roadmap §05	sgcap	Planned	Monthly position report for Castle Hill, Project 1. Legal counsel handover.
Legal correspondence summariser	AI Roadmap §05	sgcap	Planned	CJM / MacGregor O'Reilly Nash / council / mortgagee lawyer threads → structured timeline.
Defence-strategy index	AI Roadmap §05	sgcap	Planned	EN24/0169 trial prep, AFCA/Angas, Aussie Prime Land. Reduces cost of new counsel onboarding.
Market intelligence digest (daily)	AI Roadmap §06	sgcap	Planned	Scrape RBA / ABS / REA Commercial / AFR property; one-page morning brief.
Content engine (weekly)	AI Roadmap §06	sgcap	Planned	LinkedIn posts, newsletter, thought-leadership in house voice.
Case-study generator	AI Roadmap §06	sgcap	Planned	On settlement → sanitised case study auto-drafted.
Website page production (Next.js auto-publish)	AI Roadmap §06	sgcap	Planned	Sector landing pages: childcare, healthcare, industrial owner-occupiers, accommodation.
Vendor outreach engine (monthly batch)	AI Roadmap §06	sgcap	Planned	Personalised approach letters per vendor from industrial sites database.
Referral partner nurture (weekly batch)	AI Roadmap §06	sgcap	Planned	Check-ins to introducers under Referral Introducer Agreement.
Lender relationship maintenance (quarterly)	AI Roadmap §06	sgcap	Planned	Briefings per lender BDM: deal flow sent, conversion, sectors, what would help.
Inbound lead triage (real-time)	AI Roadmap §06	sgcap	Planned	Auto-classify every enquiry; rank for response; draft reply. Nothing falls through.
Council DA & planning monitoring	AI Roadmap §06	sgcap	Planned	Sunshine Coast, Hervey Bay, target industrial corridors. Nightly scan.
Off-market intelligence (batch)	AI Roadmap §06	sgcap	Planned	Cross-references sites DB against corporate restructures, lender enforcement, ASIC, agent patterns.
Tender Engine adapters (one per source)	v5 BC-03 + AI Roadmap	sgcap	Planned	Marketplace Finance, AFG/LMG/Connective, Valiant Savanna, ASIC, Omicron, ARITA, CreditorWatch, Balmain. Each adapter = its own feature flag.
AI orchestrator + AISurface registry	v5 BC-02 (rehomed)	sgcap	Planned	Single function `orchestrate(surface, payload)`. Caching, retry, audit, model tiering, ROI gates.
Cross-cutting · Observability · Governance
Sentry (frontend + backend, both stacks)	v5 §19 · 7-Day Day 4	CRM + sgcap	Live (CRM)	Separate environments for dev/staging/prod. Release tagging on every deploy.
PostHog event taxonomy	v5 §19 · 7-Day Day 4	CRM + sgcap	Partial	Sign-in, case open, doc upload, signing sent, invoice issued, AI summary requested, ExternalDeal created/promoted.
UptimeRobot / Better Stack monitors	v5 §19 · 7-Day Day 4	CRM + sgcap	Setup pending	Frontend, API, DB, OAuth, Drive, Resend, Xero, AI worker queue, external feed ingest, synthetic case open + dashboard load.
Branch + PR + release discipline	v5 §17 · 7-Day operating rules	CRM + sgcap	In effect	Feature branches, PR template (objective / module / data / tests / acceptance / rollback / observability), staging auto-deploy, tagged release to prod.
RBAC matrix (4 profile types)	v5 §08 · BC-06	CRM	Planned	API-level enforcement. Per-portal read scopes. Cross-portal access denied + audited.
Audit log (unified across stacks)	v5 §08	CRM + sgcap	CRM live · sgcap planned	Every AI call and external dispatch writes to CRM activity log via webhook.

06 · Gap Analysis

Gap Analysis vs Operating Doc v5

Every gap v5 identified, plus four new gaps the two-stack model surfaces. Each maps to a Phase in §07.

#	Gap	Why it matters	Solved in	Where
1	Status reflects paper steps, not decisions	Restructuring/advisory work has nowhere to live. AI cannot reason about "Draft".	Phase 1	CRM six-stage
2	No Strategy tab on case modal	Founder IP stays in heads. Lateral plays never reusable.	Phase 2	CRM Strategy tab
3	No Solution Pattern Library	Each deal solves itself once. AJM MFD + Taree patterns lost.	Phase 2	CRM Library v1
4	Lender DB is 0 of 0	Capital matching impossible.	Phase 3	CRM seed + schema
5	No lender match engine	Sequencing manual even with lenders seeded.	Phase 3	both Capital Match tab + sgcap Lender Matcher
6	Settlement "Missing" on 26/27 deals	Blocks Go-Live; blocks reporting.	Phase 1	CRM pre-fill + gate
7	21 of 27 deals stuck 7+ days	Conversion drag; founder bottleneck.	Phase 1 + 2	CRM SLA chips + auto-tasks
8	0 templates in Checklist Templates	Every deal re-engineered manually.	Phase 2	CRM scenario packs
9	Email + Calendar disconnected for Solara	No thread capture; no audit; no AI from Solara's correspondence.	Phase 1	CRM OAuth reconnect
10	Tasks module empty	No structured follow-up rhythm.	Phase 2	CRM auto-task generation
11	Leads module empty	No nurture or pre-client capture.	Phase 5	CRM Partner Portal refer-a-deal
12	No active AI copilots	System describes; doesn't help close.	Phase 3	sgcap App Centre + Solution Engine
13	Introducer role has no UI	Referral network can't self-serve.	Phase 5	CRM Partner Portal
14	Client portal not surfaced	102 outstanding doc items via email chase.	Phase 5	CRM Client Portal
15	No portfolio/loan-book layer	$100M book invisible post-settlement.	Phase 5	both Portfolio + sgcap evaluator
16	UptimeRobot + IMAP unconfigured	Production readiness gap.	Phase 1	both close-out
17	No native or mobile shell	Founders can't triage on the move.	Phase 6	CRM PWA → Capacitor
18	NEW · AI workloads inside CRM risk crashes	Heavy Claude calls, scraping, PDF generation in CRM process = cold starts, timeouts, blocked users.	Phase 1	sgcap two-stack split
19	NEW · No canonical client schema for autofill	Same client data hand-keyed into 5 lender forms every deal. Single biggest weekly time sink.	Phase 2	sgcap D1 canonical schema + Autofill engine
20	NEW · Document bundle review is manual	Half-day per submission. Pattern across every deal that opens.	Phase 2	sgcap Document Bundle Summariser
21	NEW · No structured app library for repeatable analysis	Site Scorer, Deal Triage, Lender Matcher, Payment Claim Analyser repeated ad-hoc each time.	Phase 2	sgcap App Centre shell

07 · The Plan

The Six-Phase Master Plan

Six phases, sequenced for fastest measurable return without dropping the CRM into instability. Each phase carries a hard objective, scope, deliverables, acceptance checkpoints, owners, dependencies and the KPIs it moves. The plan respects Solara's launch-week discipline (no scope creep, feature flags, branch model) and the two-stack architectural rule (CRM stays operational, sgcap handles heavy work).

How to read each phase

Objective answers "why this now". Scope lists what gets built. Checkpoints are the binary go/no-go criteria for completion. Owner is who is accountable. Depends on shows what must precede. Anchors shows which of the five strategic anchors this phase advances.

01

Foundations — controlled go-live + two-stack baseline

Week 1 · 7 days
Stack: CRM + sgcap scaffold

Objective. Get the CRM live with real matters under launch-week discipline, and stand up the apps.sgcap.au shell so heavy work has a runway. No new features past the controlled scope.

Speed to Assessment Actioning Solutions Business Value

Scope

CRM (existing stack)

Move Render off free sleeping tier; tighten MongoDB Atlas network policy
Six-stage spine mapping behind six_stage_spine_enabled
Days-in-stage chip + SLA flag on Pipeline and Case header
Settlement pre-fill + Execution → Monitoring stage gate
Reconnect Solara's Gmail + Calendar OAuth
Sentry release tagging, PostHog launch events, UptimeRobot monitors
RBAC sanity sweep; portal flags default off
Runbook + rollback procedures committed to repo

apps.sgcap.au (new stack)

Cloudflare Pages + Workers + D1 + R2 provisioned in production
Google Workspace OAuth + Zero Trust Access on all routes
Health endpoints; Sentry initialised; Better Stack heartbeats
Signed-API bridge endpoint to CRM (single test endpoint)
Empty App Centre shell — login works, no apps yet
D1 schema for canonical client + AICallLog + AISurface registry

Checkpoints

CRM /health returns 200 within target latency from cold

Verify after Render upgrade. Synthetic check from UptimeRobot every 5 min for 24h.

Every live case renders against a six-stage bucket without data loss

Diff existing status field vs new stage mapping. Zero unmapped cases or one clear "unmapped" bucket.

Settlement "Missing" count drops from 26 to single digits

After pre-fill rollout. Stage gate blocks Execution → Monitoring until captured.

Solara's Gmail + Calendar tabs populate

OAuth reconnect verified end-to-end for his @sgcap.com.au account.

apps.sgcap.au accepts Google login and returns a signed JWT to the CRM

Test integration token exchange. Round-trip verified.

Smoke-test pass: sign-in, case open, doc upload, signing email, invoice generated, task logged

Documented checklist run against staging then production. Sentry release tagged. No secrets in logs.

Owner · dependencies · KPIs

Owner: Solara (launch owner) + build partner.
Depends on: nothing.
KPIs moved: Stuck 7+ Days (target ≤ 12 / 27 by end-week), Health-check passing (100%).

02

Spine, Strategy & AI App Centre

Weeks 2–4
Stack: CRM + sgcap

Objective. Land the Strategy tab + Pattern Library in the CRM so founder IP is captured; stand up the App Centre on apps.sgcap.au with the first five batch apps so the CRM has somewhere to push expensive work; ship the Document Bundle Summariser because it's the single highest-value daily time saver.

Client Value Business Value Speed to Solution

Scope

CRM

Strategy tab on every case (diagnosis, options, recommended pathway, pattern, risk, rationale, approval log)
Solution Pattern Library top-level menu; seed AJM-001, TAR-002 + 2-3 patterns from recent matters
Pattern Capture dialog on case close
AI Brief tab on case (consumes sgcap output)
AI Action Feed on Dashboard (consumes sgcap output)
Auto-task generation on stage change

apps.sgcap.au

App Centre shell live (2-3 days)
Five day-one apps: Site Scorer · Deal Triage · Lender Matcher (read-only mode) · Payment Claim Analyser · Doc Pack Summariser
Document Bundle Summariser (interactive mode) live (1-2 weeks)
Canonical client schema in D1 (built once, used by Autofill in Phase 3)
AI orchestrator (BC-02) behind permissive flag; all calls flow through
Webhook callback into CRM activity log on every job completion

Checkpoints

Strategy tab loads for every existing case · fields save · version log writes

All 27 active cases. Approval log captures Solara sign-off where applicable.

Library searchable; at least 4 seed patterns; each linkable to a case

AJM-001, TAR-002 + 2 new patterns from Solara's recent matters.

App Centre returns Deal Triage card from a sample case within batch SLA

End-to-end: CRM POSTs case summary → sgcap batch → result webhook → CRM AI Brief tab populates. Median latency ≤ 4h on batch tier.

Document Bundle Summariser returns inventory + summary in < 2 min for a 6-doc bundle

Worked example: Dr Ajanthan / Judo Bank bundle. Output appears in CRM case timeline.

100% of AI calls flow through orchestrator (cache-hit telemetry visible)

No orphan direct SDK calls. Monthly utilisation report shape verified.

Owner: Build partner (sgcap), Solara (pattern library seed).
Depends on: Phase 1 complete.
KPIs moved: % deals with matched Solution Pattern at design stage (target ≥ 40% by end-phase), Time-to-Assessment (target same-day for ≥ 60%), Document review time per submission (target ≤ 30 min, was half-day).

03

Solution Engine, Capital Match & Lender Autofill

Weeks 5–8
Stack: CRM ⇌ sgcap

Objective. Wire the Solution Engine end-to-end (interpretation → pattern → capital stack → memo → action). Seed and operationalise the Lender Database. Ship the PDF Autofill engine — the single highest-ROI item in the AI roadmap. By end of Phase 3, every deal can move from inbound to lender-ready in hours, not days.

Speed to Solution Actioning Solutions Business Value

Scope

CRM

Capital Match tab on case (calls sgcap Lender Matcher; displays ranked shortlist)
Lender Database schema extended with appetite signature, BDM, last interaction, last settlement
Tier 1 lender seed import (target 30–50 lenders)
Solution Engine "Approve to dispatch" gate; nothing leaves without named human approver
Solution object → filled-PDF artefact lands in case Drive folder

apps.sgcap.au

Lender Matcher graduated from read-only to ranked-shortlist with reasoning
Solution Engine layers L1–L4 live (interpretation, pattern match, capital stack, memo composition)
Lender PDF Autofill Engine: data layer + fill engine + 3 lender templates mapped
Narrative drafting (purpose of funds, exit strategy, borrower experience)
Compliance & ACL prep app (ACL-ready file note generation)
Settlement readiness check (nightly batch)

Checkpoints

100% of Tier 1 lenders have a complete appetite signature

CRM Lender DB CRUD validated. Map view populated. Filters by asset class, geography, ticket, deal type.

Top-3 lender shortlist returns within 5s for every Case-Assembly-complete deal

With reasoning citation back to the matched appetite signature.

Median time from Strategy open to first Solution draft ≤ 2 min

Card stack rendered. ≥ 80% accepted or accepted-with-edits.

Autofill engine returns a filled PDF for 3 lender forms from canonical client profile

Zero transposition errors. Narrative sections drafted. Half a day per new lender added to mapping after framework is shipped.

Every dispatched memo has a named approver in the audit trail

Solution Engine gate enforced. Audit log queryable.

Owner: Solara (Lender DB seed leadership + Tier 1 appetite capture), build partner (engineering).
Depends on: Phase 2 complete (App Centre + canonical schema).
KPIs moved: Conversion Solution → Capital Matched (target ≥ 60%), Submission time per deal (target ≤ 1 hour, was half-day), Lender DB coverage (Tier 1 100%).

04

Origination — Tender Engine + Inbound Triage + Market Intel

Weeks 9–12
Stack: CRM ⇌ sgcap

Objective. Unify Solara's direct funnel (Channel A) and the Tender Engine (Channel B) into one capture/triage/promote/attribute flow. Stand up the first live external source. Ship Inbound Lead Triage and Market Intelligence Digest so nothing falls through and the firm wakes up informed.

Business Value Speed to Assessment Actioning Solutions

Scope

CRM

ExternalDeal model + SourceAttribution fields
Tender Inbox view in CRM with triage actions
Webhook endpoint for website form submissions
Mailbox label routing rules → Tender Engine
Origination dashboard (counts by source & status)
Attribution write-back on Case settlement

apps.sgcap.au

Adapter framework (fetch + normalise + emit) live
First live source promoted — pick from Marketplace Finance, Valiant Savanna, or AFG/LMG/Connective
ASIC Published Notices monitoring scheduled
AI Tender Memo (one-page triage doc per ExternalDeal)
Inbound Lead Triage app (real-time)
Market Intelligence Digest (daily overnight batch)
Vendor outreach engine v0 (industrial sites database)

Checkpoints

A user can manually enter, CSV-import, and promote an ExternalDeal into a Case

End-to-end happy path verified on staging then production. Attribution preserved.

First Tier 1 source operational; at least one ExternalDeal per period arrives

Better Stack heartbeat per adapter. Silence triggers alert.

≥ 80% of inbound external deals reach a triage decision within 24 hours

Measured weekly. Surface stuck Tender Inbox items in Daily Brief.

100% of settled deals carry a source

Attribution dashboard live. Channel breakdown reviewable monthly.

Market Intelligence Digest lands every morning before 7 AM Brisbane time

One-page brief. Configurable source list. Misses trigger Better Stack alert.

Owner: Solara (channel decisions, source priorities), build partner.
Depends on: Phase 3 (App Centre and orchestrator).
KPIs moved: Source attribution coverage (target 100%), Inbound enquiry time-to-decision (target ≤ 24h for 80%+), Origination channels active (target 3+).

05

Portals, Portfolio Monitoring & User Profiles

Weeks 13–16
Stack: CRM ⇌ sgcap

Objective. Bring the Client and Partner portals from scaffold to invited-pilot launch. Light the Portfolio Monitoring layer so settled deals stop disappearing. Wire user profile + email intelligence so Solara's and Solara's inboxes become structured intel.

Client Value Business Value Actioning Solutions

Scope

CRM

Client Portal v1 — invite-only. Progress bar across 6 stages, document requests with status chips, secure messaging, settlement countdown
Partner Portal v1 — invite-only. Filtered deal list, commission dashboard from Finance · Introducer Payouts, refer-a-deal short form
User Profile model (Client / Introducer / Lender contact / Staff)
Portfolio Monitoring tab on every settled case + portfolio-wide dashboard
Magic-link sign-in for Client portal

apps.sgcap.au

Email intelligence layer (Gmail watch on consented staff mailboxes only)
Inbound classification + sentiment + tension flags
Draft reply generation for familiar threads
Portfolio scheduled evaluator (maturity, covenant, refi triggers)
Weekly pipeline brief (Monday morning batch)
Referral partner nurture (weekly batch)
Lender relationship maintenance (quarterly)

Checkpoints

Test client logs in, uploads a doc, sees status change in real time

Drive sync verified. Status chip updates. Document appears in admin Case · Docs tab.

the introducer (introducer) logs in, sees only his referred deals + aggregated commission

Cross-portal access denied + audited.

Loan book view shows all settled deals; concentration view live; first refi trigger fires into Daily Brief

MonitoringRecord auto-created on Case → settled.

100% of client + introducer profiles complete within 90 days of phase start

Backfill from existing data. New records require type-specific fields.

Email-to-case linking precision ≥ 85% with zero non-staff mailbox access

Audited monthly. Human review for first 90 days of email intel.

Owner: Build partner + Solara (pilot user onboarding).
Depends on: Phase 2 (Solution Engine consumes profile context) and Phase 3 (Lender DB feeds lender contact profiles).
KPIs moved: Client portal weekly active use (target ≥ 70% of live clients), Portfolio touchpoints per quarter (target ≥ 1 per settled client), Document request fulfilment via portal (target ≥ 60%).

06

PWA → Native + Scale (Centurion, Content, Compounding intel)

Weeks 17–24+
Stack: CRM ⇌ sgcap

Objective. Wrap the CRM as a PWA → native Capacitor shell for Mac and iPhone so triage and approvals happen in-pocket. Activate the Centurion-side apps (project monitoring, legal correspondence summariser, defence-strategy index). Compound origination through Content Engine, Case Studies and Off-Market Intelligence.

Business Value Speed to Assessment Client Value

Scope

CRM

PWA shell: existing React frontend installable, offline read cache
Push notifications for SLA breaches + AI Action Feed
Capacitor wrap for Mac + iPhone signed builds
Voice trigger surface: "Hey Solara, send Solara the AJ MFD draft"

apps.sgcap.au

Centurion apps: Project monitoring, Legal correspondence summariser, Defence-strategy index
Content engine (weekly LinkedIn + newsletter)
Case-study generator (auto on settlement)
Website page production (Next.js auto-publish)
Council DA & planning monitoring (target Sunshine Coast, Hervey Bay, industrial corridors)
Off-market intelligence (cross-references sites DB against ASIC + restructure + agent patterns)
Second + third Tender Engine connectors
Orchestrator enforcement on (direct AI calls blocked)

Checkpoints

CRM installs to iPhone + Mac home screens with push alerts firing

Tested across both founder devices.

Castle Hill + Project 1 monthly position reports generated and reviewed

Legal counsel handover artefact produced.

At least one settled deal produces a case study auto-published to the site

Sanitised. Reviewed before publish.

Council DA monitoring surfaces at least one approved-vendor lead per fortnight

Statistically highest-intent moment to approach.

Orchestrator enforcement on — zero direct AI SDK calls outside the orchestrator path

Audit confirms. Cost reporting by surface live.

Owner: Build partner + Solara (Centurion content + strategic direction).
Depends on: Phase 5 (portals + profile + portfolio).
KPIs moved: Founder mobile triage time per day (target ≥ 30% on mobile), Settled deals with case study published (target 100%), Off-market leads identified (target ≥ 5 / month).

90-day Gantt view (the first three phases on a calendar)

Week	Build (CRM)	Build (sgcap)	Owner	Acceptance gate
W1	Six-stage migration + Settlement pre-fill + Gmail reconnect + Render upgrade	Pages/Workers/D1 provisioned, OAuth + JWT bridge, App Centre shell	Solara + build partner	Phase 1 checkpoints
W2	Days-in-stage chip + SLA + Strategy tab scaffold	Site Scorer + Deal Triage apps live in App Centre	Build team + Solara (patterns)	—
W3	Pattern Library v1 + AJM-001 / TAR-002 + 2 fresh patterns	Document Bundle Summariser live (interactive)	Solara + partner	—
W4	AI Brief tab consumes sgcap output	Orchestrator behind permissive flag; webhook → CRM activity log	Build team	Phase 2 checkpoints
W5	Lender DB schema + map view + filters	Lender Matcher app (read-only mode)	Solara (Lender DB seed)	—
W6	Capital Match tab + ranked shortlist UI	Lender Matcher graduates to ranking with reasoning	Build team	—
W7	Solution Engine end-to-end + Approve gate	Solution Engine L1–L4 layers wired; first Solution Memo dispatched (human-approved)	Solara + build partner	—
W8	Filled PDFs land in case Drive folder	Lender PDF Autofill Engine framework + 3 lender forms mapped	Build team	Phase 3 checkpoints
W9	ExternalDeal model + Tender Inbox view	Adapter framework + first live source promoted	Solara + build partner	—
W10	Origination dashboard + attribution write-back	Inbound Lead Triage app live	Build team	—
W11	Website form webhook + mailbox label routing	Market Intelligence Digest (daily) + Vendor outreach v0	Build team	—
W12	Phase 4 wrap-up + KPI baseline	Phase 4 wrap-up + cost / utilisation report	Solara	Phase 4 checkpoints

Discipline test

No phase opens until the previous phase's checkpoints are green. If a checkpoint slips, the build pauses there — it does not paper over by starting the next phase early. The whole architecture is designed so this is safe: nothing later is structurally blocked by holding a checkpoint open.

08 · Integration

Integration Architecture

How the two stacks talk. The contract is deliberately small — five endpoint patterns, one webhook pattern, one shared identity layer, one shared audit log. Everything else stays inside its own stack.

The API contract (CRM ⇌ sgcap)

Endpoint pattern	Direction	Purpose	Payload shape (illustrative)
POST /v1/jobs/{app}	CRM → sgcap	Submit a job to an App Centre app. Returns `job_id` immediately.	`{ case_id, app: "deal_triage", payload: {...}, priority: "batch" \| "realtime" }`
GET /v1/jobs/{job_id}	CRM → sgcap	Poll job status (rare — webhook preferred).	`{ status: "queued \| running \| done \| error", result?, error? }`
POST /v1/autofill/{lender}	CRM → sgcap	Request a filled PDF for a specific lender from the canonical client profile.	`{ client_id, case_id, lender_key, narrative_context }` → `{ pdf_url, fields_used, warnings[] }`
POST /v1/client-profile	CRM → sgcap	Push canonical client profile updates from CRM → D1.	`{ client_id, fields: {...}, version, audit }`
POST /v1/webhooks/job-complete	sgcap → CRM	Job finished. CRM persists result + writes activity log entry.	`{ job_id, case_id, app, result, started_at, finished_at, model_tier, cost_band }`

Auth on every call

Every call carries a signed JWT minted by the calling stack and validated by the receiver. Tokens are scoped to the action (e.g. job:submit, client:write) and the resource (case_id). Service tokens for stack-to-stack calls are rotated quarterly. User-initiated calls (e.g. a staff member clicking "Run Deal Triage") carry the user's Google ID token plus the service token; both must validate.

Data sync patterns

Object	System of record	Replicated to	Sync mechanism
Case	CRM (Mongo)	Read-only mirror on sgcap (D1)	Webhook on Case CRUD → sgcap upserts mirror row. sgcap apps read from mirror; never writes back to Case directly.
Lender	CRM (Mongo)	Read-only mirror on sgcap (D1)	Same pattern. Lender Matcher reads mirror; ranking results returned via webhook.
Solution Pattern	CRM (Mongo)	Read-only mirror on sgcap (D1)	Same. Pattern Matcher reads mirror for retrieval.
Canonical Client Profile	sgcap (D1)	Reference fields surfaced in CRM Client view	CRM reads via `GET /v1/client-profile/{client_id}`. Edits in CRM push back via `POST /v1/client-profile`.
AICallLog · AISurface registry	sgcap (D1)	Cost / utilisation dashboard accessible from CRM Admin	CRM Admin embeds sgcap dashboard via signed iframe URL.
Job results (memos, summaries, filled PDFs)	sgcap (R2)	Permanent artefacts copied to Drive (CRM case folder)	On job complete, sgcap pushes file to CRM via webhook + Drive folder API. Result URL retained in CRM Case activity log.
Audit events	CRM (Mongo)	Merge target for both stacks	Every sgcap job completion writes an event row to CRM activity log via webhook. Single audit timeline per Case.

Eventual consistency, deliberately

Mirrored data on sgcap is eventually consistent (typically < 5 seconds after a CRM write). Apps that need exact current state on the case (e.g. Settlement readiness check) re-fetch from CRM at job start rather than trusting the mirror. The mirror exists for read-heavy AI inference, not for transactional reads.

Auth, RBAC, audit, observability

Single Sign-On

Google Workspace OAuth (sgcap.com.au domain). Both stacks accept the same ID token. Staff sign in once at the start of their day; the token cookie carries across both subdomains.

RBAC matrix

Four profile types: Staff (Admin sub-role), Introducer, Client, Lender contact. Enforced at every API. Per-portal read scopes. Cross-portal access denied and logged.

Secrets

Cloudflare Workers secrets for sgcap. Render secret store for CRM. No secret in code, PRs, docs, or chat. Quarterly rotation policy. Both stacks reference the same secret-naming convention.

Audit log

CRM activity log is the single audit timeline. sgcap pushes events on every job completion. Auditors read one log; both stacks are visible.

Observability

Sentry environments for dev/staging/prod on both stacks (separate projects, shared org). PostHog project covers both. UptimeRobot monitors frontend, API, DB, OAuth, Drive, Resend, Xero, AI worker queue, external feed ingest.

Deploy pipeline

Each stack: GitHub → feature branch → PR (with template) → staging auto-deploy → tagged release → production. No edits land on production without a PR + automated check pass. PRs pushed via GitHub Desktop (per Solara's preference).

What lives where — the resolver

If the requirement is...	It belongs on...	Reason
User-facing read/write under 500 ms	CRM	Speed-critical interaction. Must not depend on Workers cold start or D1 latency from origin.
Long-running compute (> 5 sec or 1 MB+ payload)	sgcap	Async batch tier; cheaper; cannot block CRM event loop.
Canonical state mutation (Case, Lender, Pattern, Audit)	CRM	One system of record. Avoids split-brain.
AI call to Claude (any model tier)	sgcap	Through the orchestrator. Caching, retry, audit, cost gating all in one place.
PDF generation, document parsing, OCR	sgcap	Memory/CPU intensive. R2 storage for staging.
Scheduled external feed ingest (Tender Engine, Council DA, ASIC)	sgcap	Cloudflare Cron Triggers; outbound HTTP at the edge.
Webhook receiver (e.g. Xero invoice paid, Resend delivery)	CRM	State change consequences must update Case + Audit transactionally.
Portal route (Admin / Partner / Client) with RBAC	CRM	Same codebase. Role-gated. No duplicated auth surface.
Embedded analytics dashboard (e.g. App Centre cost report)	sgcap (iframe into CRM)	Built once on sgcap; embedded via signed URL so admin sees it inside CRM.

No-concession architectural rule

If a feature could go on either stack, default to sgcap. This keeps the CRM honest — only operational truth and speed-critical reads stay there. Over time, the CRM gets simpler and faster; sgcap gets the capability surface. That's the asymmetry that defends Solara as deal volume grows.

11 · Wireframes — CRM

Wireframes · CRM (Operational Stack)

A full re-cut of every CRM surface. Low-fidelity, deliberately, so the build choices stay visible and the developer/founders can see structure without being distracted by polish. Annotations on each frame call out the integration points to apps.sgcap.au.

CRM · Admin Dashboard Logged in: Solara · Admin

Integration: AI Action Feed + Market Intel block are read-only embeds of sgcap output (via signed webhook into CRM activity log). The KPI cards and stage strip are CRM-native. Five anchors: Speed to Assessment (time-to-assess KPI), Speed to Solution (pattern detection), Actioning Solutions (recommend-move prompts), Business Value (book value, lenders engaged).

CRM · Pipeline (6-stage) Stage-aware Kanban

Stage-gate behaviour: dragging a deal between columns triggers field validation against the new stage's mandatory data. If validation fails, the deal stays put and the missing fields are highlighted on the Case modal. sgcap integration: the ★ marker on cards indicates a Solution memo has been drafted and is awaiting approval; clicking opens the Strategy tab.

CRM · Cases View (new — sits above Applications) Admin only

Why a Cases view layered above Applications: a single matter can carry multiple lender paths and a strategy. The Application is the lender-side artefact (one per lender); the Case is the borrower-side narrative. Both share the SG-YYYYMMDD-XXXX reference root.

CRM · Case View — 15 + 3 new tabs AJ MFD Pty Ltd · Case Assembly · 2 BD elapsed

The three new tabs (Strategy · Capital Match · AI Brief) are the only structural changes. All 15 original tabs preserved. The AI Deal Summary card on Overview is the constant entry point to sgcap output — every case opens with this card populated. Performance note: the AI Deal Summary is read from CRM's cached copy of the sgcap webhook payload — no live call to sgcap on page load.

CRM · Case · Strategy Tab New surface · founder IP capture

IP Capture: on case close, the Strategy tab content is promoted (with one click) to a new Solution Pattern card in the Library. Pattern code auto-suggested by AI; founder edits and confirms. sgcap integration: options scoring + classification chips proposed by sgcap; founder accepts or overrides. Memo drafts (internal + external versions) generated by sgcap Solution Engine on demand.

CRM · Case · Capital Match Tab AI-ranked lender shortlist (powered by sgcap)

Why this matters: ranking math is deterministic; the reasoning string is sgcap-drafted and reviewable. Lender memory means the system remembers who said no to what and when, so future deals don't waste cycles re-engaging declined relationships.

CRM · Solution Pattern Library Top-level menu · reusable IP

Why this is the strategic wedge: the Library is the encoded memory of how Solara solves problems. Each card is a reusable template, not a case note. Every approved pattern increases the value of every future deal. Pattern matching against new cases runs on sgcap (light model in App Centre); the resulting % match drives the AI Deal Summary on the Overview tab.

CRM · Lender Database Currently 0 of 0 · Tier 1 seed needed

Why it's empty today: the v0 build had no schema. Phase 3 wires the structured appetite signature, BDM contact, last interaction, settlement memory. Phase 3 also surfaces the Lender Matcher (sgcap) which reads these fields to produce the Capital Match ranking.

CRM · Portfolio Monitoring Post-settlement loan book

Why this matters: the platform today is strongest up to settlement. Long-term value sits in what happens after. Portfolio Monitoring tracks the loan book as a live asset class — and each row generates a new opportunity at the right moment. sgcap runs the nightly evaluator; CRM displays the actionable rows.

CRM · Partner / Introducer Portal Logged in: Introducer Partner · Introducer

Existing role activated: the Introducer role is already in the CRM data model (Introducer Partner + 1 test admin). The portal is a slim, filtered view — no new data model required. Refer-a-deal flow creates a Lead and routes to sgcap Inbound Lead Triage for classification before promotion.

CRM · Client Portal Logged in: ATSolve Pty Ltd · Client

From 102 overdue items to self-service: the Overdue Docs problem is solved by giving clients a clear "what's needed, what's done" view and a frictionless upload (with camera on mobile). All uploads mirror to Drive automatically and surface in the admin Case · Docs tab. Messages thread saves to Communication tab.

CRM · User Profile · Solara Admin · Gmail: connected

Privacy posture: email intelligence runs only against staff mailboxes consented through Google Workspace OAuth. Client and counterparty mailboxes never accessed. Every classification and draft is auditable, human-approved, and reversible. The intelligence layer runs on sgcap; results land in the CRM user profile.

CRM · Native Shell (PWA → Capacitor) iPhone · in-pocket triage

One codebase, three roles: Admin, Partner and Client portals already live in one React build. Native simply gives each role a better presentation on a smaller screen. There is no parallel iOS or Android codebase. Push notifications wired to the SLA scanner + AI Action Feed. Voice trigger via Siri Shortcut → Solara intent handler.

12 · Wireframes — apps.sgcap.au

Wireframes · apps.sgcap.au (AI Workload Stack)

The second surface — apps.sgcap.au — is built around three concepts: the App Centre (triggerable Claude batches), the Document Summariser (live + batch), and the Lender PDF Autofill Engine. Plus the extension apps (lead triage, market intel, vendor outreach, content). Built on Next.js + Cloudflare Workers + D1 + R2. Authenticated via shared Google OAuth.

apps.sgcap.au · App Centre Dashboard Solara · staff

Each "app" is a saved configuration: name, input schema, output schema, prompt, model tier, cache key. Users (founders + staff) pick an app, supply data (CSV, list of deals, folder of docs), hit Run. Results land structured in D1, then push to CRM via webhook on completion.

apps.sgcap.au · App Run · Deal Triage (batch in progress) Job 1247-AB

Async by default: batch jobs run on Anthropic's batch tier (≈50% cost) over a 4h SLA. Per-deal results push to the CRM as they complete. Cache key derived from deal hash so re-running the same data costs nothing. Audit: input hash, output hash, latency, model tier, cost band all logged in D1's AICallLog and queryable in the AI cost / usage view.

apps.sgcap.au · Document Bundle Summariser Interactive · < 2 min readout

Work that takes a half day per submission compresses to under five minutes of Claude time plus your review. Output is structured (inventory + completeness + financials + risks + missing items + draft prose). Founder edits prose, not structure. Missing-doc checklist auto-pushes to the CRM client portal so the chase happens without a manual list.

apps.sgcap.au · Lender PDF Autofill Engine Highest-ROI app · 4-layer architecture

The single highest-ROI system. Once the canonical schema and the first 3 lender forms are mapped, every new deal autofills all three in one click. Adding a new lender to the panel is ≈half a day to map; after that, every future deal to that lender autofills free. The narrative drafting saves another hour per submission. Result: submission time per deal drops from a half-day to under an hour.

apps.sgcap.au · Inbound Lead Triage Real-time · nothing falls through

Nothing falls through. Every enquiry — even cold LinkedIn DMs and out-of-scope home loans — gets classified, scored, and routed within minutes. The draft reply means the response goes out the same day even if Solara doesn't see it for 6 hours. Webhook to CRM creates the matching ExternalDeal with full attribution preserved.

apps.sgcap.au · Market Intelligence Digest Daily · 06:30 AM Brisbane

The 06:30 daily ritual. One page in the morning that decides where attention goes today. Items get tagged with Relevant to: active cases or watch lists. ASIC and Council DA hits auto-route to Vendor Outreach / ARITA network workflows.

apps.sgcap.au · Vendor Outreach Engine Monthly batch · industrial sites database

Converts the sites database from passive reference into an active outbound channel. Letters are personalised to the specific property + context + tier. Solara approves the batch; sgcap handles mail merge or LinkedIn dispatch (with rate limits and human approval per send for Tier 1).

apps.sgcap.au · Content Engine Weekly batch · LinkedIn + newsletter + thought leadership

Founder-led content without the founder blocking out three hours every Sunday. The engine drafts in Solara's voice from the week's actual material — market intel + settled deals + active patterns. Solara edits and approves. Nothing external publishes without that approval.

Integration · CRM ⇌ sgcap handoff (single case lifecycle) Reference diagram

The loop closes on itself. Every step has a single clear owner (CRM or sgcap), a clear data contract (JSON via signed JWT), and a clear failure mode (webhook retry queue with backoff). The CRM is never blocked waiting for sgcap; sgcap is never confused about state because the CRM is system of record.

14 · Success

KPIs & Success Measures

Five anchors. Each anchor has measurable KPIs with today's baseline (or "not measured"), the 12-month target shape, and the surface where the number lives. Every build card in the master plan should point to one of these rows or it is a hobby.

Anchor	KPI	Today	12-month target	Surface
Speed to Assessment	Time from inbound enquiry → triage decision	Not measured · 21 deals stuck at Lead/Assessing	Same-day for > 80% of inbound	CRM Dashboard · Daily Brief
Speed to Assessment	Outstanding checklist items at first review	102 outstanding · 1 of 27 deals "ready"	< 25% open at first review	Stage gate · Daily Brief
Speed to Solution	Days from "ready" → Solution Options memo issued	Not measured (0% approval, 0/27 submitted)	Median ≤ 5 business days	Stage gate · Pipeline view
Speed to Solution	% deals with matched Solution Pattern at design stage	0% (no library)	≥ 80% match rate	Solution Library
Actioning Solutions	Conversion: Solution issued → Capital Matched	Not measured	≥ 60%	Pipeline view
Actioning Solutions	Settlement-on-time rate	ATSolve 26 days overdue	≥ 85% on or before target settlement	Execution · SLA dashboard
Client Value	NPS at settlement	Not measured	Baseline + quarterly trend	Client portal exit survey
Client Value	Client portal active use during a live case	Portal not yet live	≥ 70% of live clients log in weekly	Client portal analytics
Business Value	Settled value	$102.5M total applications value	Quarter-on-quarter settled growth	Finance module
	Revenue per staff member	5 staff today	Increases as platform automates routine	Finance module
	Source attribution coverage	Not captured	100% of settled deals carry a source	Origination dashboard

New KPIs introduced by the two-stack model

KPI	Stack	Today baseline	12-month target	Why it matters
CRM /health latency p95	CRM	Not measured	≤ 500 ms	Operational responsiveness; protects user experience
sgcap job success rate	sgcap	—	≥ 99%	Reliability of AI workload tier
sgcap median batch latency	sgcap	—	≤ 4 hours	Batch tier SLA acceptable for non-realtime work
Document submission time per deal	sgcap	≈ half-day	≤ 1 hour	Single biggest weekly time saver — Bundle Summariser + Autofill combined
Cache hit rate on AI orchestrator	sgcap	—	≥ 35%	Direct AI cost discipline; declared in every new AISurface
Lenders mapped in Autofill engine	sgcap	0	≥ 15 (Tier 1 panel)	Every mapped lender = every future deal autofills free
Inbound leads with response < 24h	sgcap + CRM	Not measured	≥ 90%	Lead triage + draft reply makes this trivial
Pattern reuse % across new cases	both	0%	≥ 70%	IP compounding measure — patterns get reused

Quarterly review ritual

Both stacks report into one quarterly KPI review (last Friday of each quarter). Solara review every row above. KPIs not moving → diagnose the responsible phase; KPIs at target → retire targets in favour of next stretch. The five anchors are the contract; the measures evolve.

15 · Risks

Risk Register

Consolidated risks from the v5 register, plus new risks the two-stack model introduces, plus mitigations.

#	Risk	Likelihood	Impact	Mitigation
R1	Stuck-deal problem persists; pipeline calcifies	High	High	Stage-gate enforcement + days-in-stage SLAs + daily brief surfacing breaches.
R2	Approval rate of 0% reflects an unmeasured workflow	Med	High	Wire approval as explicit stage event; backfill historical approvals; report weekly.
R3	Solution Pattern Library never reaches critical mass	Med	High	Seed with AJM-001 + TAR-002 + 2 fresh; require one pattern card per closed deal.
R4	AI costs run away as surfaces proliferate	Med	Med	Cost-controlled orchestrator (sgcap) · monthly utilisation review · batch tier default.
R5	Tender Engine sources change terms or close access	Med	Med	Portfolio of sources; adapter framework so swapping a source is configuration.
R6	Aggregator / lender panel accreditation drags through ACL	High	Med	Pursue broker-side paths first; lender panel in parallel with proper lead time.
R7	RBAC drift as staff grows past 5	Low	High	API-level enforcement; role changes through Solara; audit log reviewed monthly.
R8	Founder dependency on Solara for solution interpretation	High today	High	Solution Engine + Pattern Library are the mitigation. Until live, second pair of eyes on every solution.
R9	Google Workspace / Drive outage affects continuity	Low	High	Nightly encrypted backups; documented manual fallback for signings in flight.
R10	Email intelligence drift — false flags / missed urgency	Med	Med	Human review first 90 days; precision/recall reviewed monthly thereafter.
R11	Compliance posture around distressed-deal sourcing (ASIC)	Med	Med	Documented responsible-lending discipline; outreach scripts reviewed pre-launch.
R12	Claude-to-production drift — code reaches prod without tests/review	Med	High	Branch model + PR template + automated checks + Sentry release tagging.
R13	Observability noise crowds out real signals	Med	Med	Monthly review of Sentry + Better Stack alert catalogue; retire noisy alerts.
R14	Native app rollout drains effort from core platform	Low	Med	PWA-first; native shell only when usage data justifies.
R15	NEW · CRM ⇌ sgcap webhook outage stalls case timeline	Med	Med	Idempotent webhook receiver with retry queue + dead-letter on CRM. Manual replay UI. Status visible in Systems panel.
R16	NEW · Stale mirrored data in D1 causes wrong AI output	Med	Med	Apps that need exact state re-fetch from CRM at job start; mirror only for read-heavy inference. TTL on cached rows.
R17	NEW · Two-stack auth drift between Google OAuth scopes	Low	High	Single Google Workspace OAuth app; both stacks accept the same id token; quarterly scope review.
R18	NEW · sgcap-side AI hallucination injects bad data into CRM	Med	High	Structured output schema enforced; human approval gate before any external dispatch; AI Brief / Solution Memo display includes "low confidence" flag.
R19	NEW · Canonical client schema on D1 drifts from CRM client record	Med	High	CRM is system of record for client core fields; sgcap canonical schema written via API from CRM. Diff check on weekly batch.
R20	NEW · Autofill engine produces a wrong PDF that goes to a lender	Low	High	Human approval gate before send for first 90 days; field-level diff against last-approved canonical profile; lender memory flags anomalies.

16 · Closing

Closing & Next Actions

This master plan unifies three documents into one decision-ready roadmap and one full wireframe set. The architecture decision — two stacks, one identity, one audit log — protects the CRM from instability while opening unbounded AI capability on apps.sgcap.au. The phasing protects the build from over-extending. The wireframes show every surface across both stacks so the developer can build to a known target.

What changes vs running the v5 plan as-is

CRM stays fast

No long-running AI calls inside the FastAPI process. No PDF generation or scraping competing with user requests. Cold-start risk eliminated; user-perceptible latency stays low.

AI capability becomes uncapped

sgcap can run as many batch jobs, autofills and summarisations as the firm needs without touching CRM resources. New AI surfaces ship as new apps in App Centre — no CRM redeploy.

Lender Autofill becomes possible

Mapping every lender's PDF and managing 300+ canonical schema fields belongs on D1, not on a transactional Mongo. The architecture makes the highest-ROI AI roadmap item buildable.

Cost discipline structural, not manual

Anthropic batch pricing is only available via the batch endpoint. Routing 80% of AI through the App Centre means default is the cheap path.

Immediate next actions (this week)

#	Action	Owner	Done when
1	Review and sign off this master plan with Solara	Solara	Three-way agreement on Phase 1 scope
2	Confirm apps.sgcap.au domain + Cloudflare Pages project + Workers + D1 + R2 provisioned	Solara + build partner	Domain resolves to placeholder Next.js app, Cloudflare resources visible in dashboard
3	Cut Phase 1 feature branches in both repos · apply PR template	Partner	Branches exist · template visible · CI checks configured
4	Upgrade Render off free tier · tighten MongoDB Atlas network policy	Solara	Backend always-on, no cold starts; Atlas allowlist scoped to known origins
5	Confirm Google OAuth Workspace app supports both subdomains	Partner	JWT round-trip test passes between CRM and sgcap shell
6	Reconnect Solara's Gmail + Calendar in CRM	Solara	Email + Calendar tabs populate on Solara's account
7	Stand up UptimeRobot + Better Stack monitors for both stacks	Partner	Status page exists; first hour of monitoring data flowing
8	Confirm runbook + rollback procedures committed to both repos	Solara	Runbook reviewed by Solara; no secrets present

Decisions still required from Solara

Open decisions · resolve before Phase 2

1. First live Tender Engine source. Marketplace Finance, Valiant Savanna or AFG/LMG/Connective? Recommendation: Marketplace Finance for property focus + Balmain distribution upside.

2. Client portal naming + branding. Subdomain (clients.sgcap.com.au), path (sgcap.com.au/client), or in-CRM?

3. Centurion-side workload home. All Centurion AI apps on apps.sgcap.au (recommended), or separate Cloudflare project for Centurion to keep cost reporting clean?

4. ARITA + CreditorWatch subscriptions. Budget approval to subscribe by end Phase 1 so Phase 4 has live data.

The one-line case

Keep the CRM fast and operationally honest. Build the AI capability on a separate stack that scales independently. Phase the work so every checkpoint moves a KPI. Track every dollar of AI spend at the surface where it was incurred. Compound founder judgement into reusable patterns. By Q4, Solara operates with the leverage of a team five times its size — and the operating system itself, not any individual broker, is the firm's defensible asset.

Solara Global Capital Partners · 24 May 2026 · Reference SGCAP-MASTER-2026-001 · Version 1.0 · Internal · Founders & build team only.

Source documents consolidated: Solara CRM Seven-Day Module Implementation Pack · Solara Global Capital Operating System Final v5 (86 pp) · Solara Global Partners AI Workflow Roadmap.

Solara Global CapitalOperating System

Document Map

The plan in one page

The Five Anchors (governance for every decision)

What the live audit shows

What's new in this master plan vs v5

The Two-Stack Architecture

Why this split matters

End-to-end data flow (deal lifecycle)

Current State Review

What is in production today (audit · 23 May 2026)

Strengths to preserve (do not touch)

Live Build Checkpoints

7-Day Pack · Launch Modules

v5 Operating System · Future Build Cards

AI Workflow Roadmap · apps.sgcap.au Core & Extensions

Build Component Inventory

Gap Analysis vs Operating Doc v5

The Six-Phase Master Plan

Scope

CRM (existing stack)

apps.sgcap.au (new stack)

Checkpoints

Owner · dependencies · KPIs

Scope

CRM

apps.sgcap.au

Checkpoints

Scope

CRM

apps.sgcap.au

Checkpoints

Scope

CRM

apps.sgcap.au

Checkpoints

Scope

CRM

apps.sgcap.au

Checkpoints

Scope

CRM

apps.sgcap.au

Checkpoints

90-day Gantt view (the first three phases on a calendar)

Integration Architecture

The API contract (CRM ⇌ sgcap)

Auth on every call

Data sync patterns

Auth, RBAC, audit, observability

What lives where — the resolver

Wireframes · CRM (Operational Stack)

Wireframes · apps.sgcap.au (AI Workload Stack)

KPIs & Success Measures

New KPIs introduced by the two-stack model

Risk Register

Closing & Next Actions

What changes vs running the v5 plan as-is

Immediate next actions (this week)

Decisions still required from Solara

The one-line case

Solara Global Capital
Operating System