Services · Ecommerce development · Financial product marketplaces
Codeeo offers financial product marketplace website development in Chicago for insurance agencies, loan brokers, adviser networks and fintech teams that want several providers selling through one site. We build the shopper side where people compare and apply, the portal where carriers, lenders and advisers manage their offers, and the admin that tracks referrals and commission. Illinois adds its own conditions: a 36 percent cap on most consumer loans from nonbank lenders, a strict biometric privacy law and all party consent for recorded calls. The platform is designed around all three.
We work with Chicago clients remotely. Discovery, design reviews and testing run by video call, recorded for anyone in your compliance or legal team who cannot attend. Codeeo has delivered 200+ projects across the UAE and the US, and Google reviewers rate us 4.7 from 23 reviews.
200+ companies across the US and the UAEFrom a first store to a listed developer
What we build for Chicago
Chicago has long been a center for insurance and trading, and the metro area is home to many carriers, agencies and brokers alongside banks and credit unions across Cook, DuPage and Lake counties. A marketplace here is often insurance led, with lending, banking and advice added later. Shoppers range from renters in Logan Square and Pilsen to families in the suburbs and business owners running restaurants, trades and small manufacturers across the South and West Sides.
Financial services marketplace platform development in Chicago also has to reflect Illinois law from the first sprint, not as a late compliance pass. The features below are the ones Chicago operators ask about most. We help you pick a first release that serves one audience well, then extend it.
Shoppers answer one set of questions for auto, renters, home or small business cover, and quotes from participating carriers appear side by side with coverage limits and deductibles shown, not just the premium. Where a sale pays commission, the licensed producer on record is attached to the quote, in line with Illinois Department of Insurance licensing.
Chicago shoppers compare cover properly, and every sale has a licensed producer.
The Predatory Loan Prevention Act caps most consumer loans under its scope at 36 percent APR, counted on an all in basis. Providers attest to Illinois compliance in the portal, and offers that would exceed the cap are blocked for Illinois applicants before they ever display.
Illinois borrowers never see an offer the law voids.
Face matching for identity checks falls under the Illinois Biometric Information Privacy Act. If you use it, the platform shows a written notice, collects a signed release, publishes a retention schedule and deletes templates on time. Many Chicago marketplaces choose document and data checks without biometrics, and we build either route.
Identity checks work without creating a class action risk.
When an applicant asks for a call back, the dialer plays a recording notice and logs consent before the conversation starts, which matches the Illinois eavesdropping law. Recordings attach to the applicant's file, and access is limited to the staff who need it.
Recorded advice calls stand up if a complaint arrives.
Comparison pages, guides and applications can run in Spanish and Polish as well as English, reflecting two of the largest language communities in the Chicago area. Each translation is tied to the approved English version and goes back to review whenever compliance changes the original.
More Chicago households understand the product before they apply.
Owners of restaurants, contractors and small manufacturers apply once and choose which lenders see the file. Term loans, equipment finance, lines of credit and SBA programs sit side by side with full costs shown, and bank statements or accounting data can be connected with consent.
Business owners compare real offers without repeating the paperwork.
Consumers book a paid session with a fee only planner or tax preparer, pay by card, Apple Pay, Google Pay or ACH, and the platform payment provider splits the fee and pays the professional. Verified credentials sit apart from self described specialties on each profile.
Professionals are paid without your company holding client funds.
Logging, alerting and an incident runbook cover the notice duties of the Illinois Personal Information Protection Act, alongside the FTC Safeguards Rule. Staff access uses multi factor sign in, and card data stays in the payment provider's hosted fields to keep PCI DSS scope small.
If something goes wrong, you know who to notify and when.
Plain English guides on renters cover in Chicago apartments, flood and sewer backup endorsements, auto insurance for city parking, or how small business loans are priced sit in a CMS your staff edit. Each guide records who approved it and when, and product pages pull rates from the provider feed so no figure in a guide goes stale.
Search visitors find useful answers, and compliance approves every word.
Each referral carries a provider reference, so commission on a bound policy or funded loan is matched automatically. Reports show results by carrier, lender, producer and neighborhood, which tells you where Chicago marketing is working and which partners convert.
You see which Chicago partners and campaigns actually pay.
Who this is for
Chicago firms planning a marketplace usually already sell one product line well and want to add providers or lines without hiring a larger call center. The ones that succeed agree early on who the first customers are, which providers will serve them in Illinois, and how commission is earned. These four starting points come up most often with firms in the Loop, River North, Fulton Market and the suburbs.
What they share is a clear reason for a provider to pay for introductions from them: a trusted local brand, a specialist audience such as gig workers or new arrivals, or producers who know a niche line well. The platform should make that strength obvious on every page.
An agency with appointments from several carriers wants shoppers to compare personal and small commercial cover online, then speak to a producer only when needed. We connect carrier rating where it is available, collect the details producers need, and keep quoting, binding and call notes on one record. Shoppers who start online at night can finish with a producer the next day without repeating a single answer, and your producers see which questions caused people to stop.
Start with the line that already sells best by phone.
A broker working with nonbank lenders needs Illinois specific controls: rate cap checks, license records from the Illinois Department of Financial and Professional Regulation and clear disclosure of how the broker is paid. We build those into the lender portal so compliance does not rely on staff memory.
Networks of fee only planners or tax preparers across Chicagoland need profiles, paid booking and payouts. We verify registrations on public databases, show fees before booking and let consumers leave reviews tied to completed sessions, so ratings reflect real clients. Professionals manage their own calendars and rates, and your team can pause a profile the moment a registration lapses.
Reviews only from booked and completed sessions.
A Chicago fintech with an engaged user base may add partner credit cards, insurance or savings accounts. We design the partner shelf with neutral presentation rules, clear labeling of paid placements and a ledger your auditors can follow from referral to payment.
Working with Codeeo
We work with Chicago clients remotely, by video call. Each review is recorded and summarized in writing, so a partner who missed a session can catch up and your compliance officer can see what was decided and why. Our team does not give legal advice on Illinois law; we build what your counsel approves and raise questions early when a design choice touches BIPA, the rate cap or call recording. Your staff get admin training by video and written guides for each role.
After launch we stay on for fixes, provider onboarding and new product lines under a support agreement, or hand everything to your own developers with documentation and a recorded walkthrough of the code.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
Most Chicago marketplaces we build run on Next.js or Laravel with PostgreSQL, a platform payment provider for splits and payouts, a call platform with consent prompts, and US hosting on AWS or Azure. We choose tools to fit your carriers' and lenders' integrations.
01Web
02Commerce
03Data and cloud
04Marketing and tracking
It depends on the product lines, provider integrations and Illinois controls in the first release.
A Chicago marketplace launching one insurance line with a few carriers on file feeds can open sooner than one combining insurance, lending and paid planner sessions with live APIs. Biometric identity checks, call recording and Spanish and Polish content each add work. We agree the first release in discovery, write the milestones and approval gates down, and plan later lines as separate phases so the launch is not held back.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
Get in touchPROVEN RESULTS
React
Next.js
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Node.js
Laravel
WordPress
Shopify Plus
WooCommerce
BigCommerce
PostgreSQL
MySQL
MongoDB
AWS
Azure
Docker
GA4
Google Tag Manager
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Looker Studio