Services · Ecommerce development · Financial product marketplaces
Codeeo provides financial product marketplace website development across the USA for comparison operators, loan and insurance brokers, adviser networks and fintech firms that bring many licensed providers onto one site. We build the consumer marketplace, the provider portal for listings and offers, and the back office that tracks referrals, commission, payouts and complaints. The hard part in this country is not the listing grid. It is showing each visitor only the products that are legal and available in their state, and proving how every ranking and referral fee was decided.
Our team works with US clients remotely, and discovery, design reviews and acceptance testing all run by video call with your compliance lead invited. We have delivered 200+ projects across the UAE and the US, with a team of 80+ across Dubai, Riyadh and Karachi.
200+ companies across the US and the UAEFrom a first store to a listed developer
What the platform includes
A US financial marketplace has three customers at once. Consumers or small businesses want an honest comparison and a quick application. Providers, who may be banks, credit unions, nonbank lenders, carriers, agencies or registered advisers, want qualified introductions and control over how their products appear. Regulators at the federal level and in every state you serve want to see that rankings are fair, disclosures are complete and personal data is protected.
Financial services marketplace platform development in the USA therefore begins with a state matrix: which products you show in which states, which licenses you and each provider hold there, and how you are paid for each introduction. The capabilities below sit on top of that matrix. We help you choose a first release that covers a few states properly before you add the rest.
Every product carries the states where it may be offered, and every visitor is placed in a state from their ZIP code or address before results appear. A lender licensed in twenty states never shows up for a visitor in the thirtieth. Compliance staff edit the matrix in the admin, and every change is logged with the person and the reason.
No offer is shown where the provider cannot lawfully make it.
New providers submit company details, state licenses and product terms through a guided portal. Your team checks mortgage and consumer lending licenses on NMLS Consumer Access, insurance producer licenses through state records, and adviser registrations on the SEC and FINRA public databases, then records the result and an expiry reminder against the provider.
Only verified providers go live, and lapsed licenses are caught early.
Sort orders, featured placements and sponsored slots are labeled clearly and driven by rules you can explain. The CFPB has warned mortgage comparison platforms that steering consumers toward the providers who pay most can breach RESPA Section 8, so we store which rule produced each result page and keep paid placement visibly separate.
You can show an examiner exactly why a provider ranked first.
Applicants see likely approval and indicative rates from soft credit inquiries that do not affect their scores. Consent wording, the permissible purpose and the bureau response are stored with the application, and adverse results route to the provider so it can send any notice the Equal Credit Opportunity Act requires.
Fewer blind applications and fewer hard pulls for consumers.
When a consumer agrees to be contacted, the platform saves the exact disclosure text, the providers named, the time and the device. A federal appeals court struck down the FCC's one to one consent rule in 2025, but TCPA claims still turn on proof of consent, so each provider receives a consent record with every lead.
Providers can defend every call and text they make.
Each referral carries a reference to the provider, and the ledger records whether you earn a fee per click, per lead, per funded loan or per bound policy. Monthly statements, invoices and ACH collection run from the same data, and disputed items stay open with notes until both sides agree.
Month end reconciliation takes hours instead of days.
For paid service portals, consumers book and pay for a session with a planner, tax preparer or credit counselor. Card, Apple Pay, Google Pay and ACH payments go through a platform payment provider that verifies each adviser, splits the fee and pays out, so your business never holds client money in its own account.
Advisers are paid on schedule without you handling funds.
Consumers raise complaints against a provider or the platform from their account. Each complaint gets an owner, deadlines and a reply history, and patterns by provider or product show in reports. Your team can export a complete file if a state regulator or the CFPB asks.
Complaints are answered on time and on the record.
Encryption, multi factor access for staff, role based permissions, logging and a written incident plan line up with the FTC Safeguards Rule under the Gramm Leach Bliley Act. Card fields are hosted by the payment provider, which keeps most of your servers out of PCI DSS scope.
Your security program has evidence behind it from day one.
Comparison tables, rate calculators and application forms are built to WCAG 2.2 AA, with keyboard access, screen reader labels and readable contrast. ADA website claims are common against financial sites, and an accessible application form also simply converts more people.
More applicants finish, and fewer demand letters arrive.
Who this is for
A nationwide build makes sense when your providers already operate across state lines or when your marketing reaches the whole country from day one. It is the wrong place to start if you only have one provider in one state; a focused city or state launch costs less and teaches you more. These are the operators we see most often planning a national rollout, and what each one needs from the platform before marketing spend goes up.
Many comparison sites start with affiliate links and a static table. Growth brings direct provider integrations, prequalification, consent records and a provider portal. We rebuild the platform around those, keep your ranking content and URLs, and move the commission model from clicks to funded or bound outcomes where your contracts allow it.
Keeping existing URLs protects the search traffic you already earn.
A mortgage, loan or insurance broker licensed in several states wants consumers to see more than one option without the team rekeying every quote. We connect provider rate feeds or APIs, show results only where both you and the provider are licensed, and keep the advice your licensed staff give on the record.
Networks of independent planners, tax professionals or credit counselors need profiles, verified credentials, booking, payment and payouts. The platform checks registrations on public databases, separates marketing claims from verified facts, and lets consumers pay for a session without your company handling their money directly.
Profiles show verified credentials apart from self reported ones.
A fintech company with a strong consumer base may want to offer partner products alongside its own. That changes its regulatory position, because it now refers customers for compensation. We design the marketplace layer with clear disclosure of the relationship, neutral presentation rules and a ledger your auditors can follow.
How we work together
We work with US clients remotely. Discovery, design reviews and sprint demos run by video call and are recorded, so your general counsel, chief compliance officer or outside counsel can review decisions without attending every session. Requirements, the state matrix and every disclosure live in a shared document with version history. Our team does not give legal advice; we build what your counsel approves and flag where a design choice raises a question they should answer.
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
We usually build the marketplace on Next.js or Laravel with a PostgreSQL database, a platform payment provider for splits and payouts, and hosting on AWS or Azure in US regions. The stack follows your provider integrations and your team's skills rather than our preferences.
01Web
02Commerce
03Data and cloud
04Marketing and tracking
Timing depends mostly on how many states and providers you launch with.
A marketplace that opens in a handful of states with a few providers on file based feeds moves faster than one that launches nationally with live API integrations to dozens of lenders or carriers. Prequalification with a credit bureau, a paid adviser booking flow and a full provider self service portal each add work. We agree the first release in discovery, write the milestones down, and add states and providers through the matrix after launch rather than delaying the opening.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
Get in touchPROVEN RESULTS
React
Next.js
TypeScript
Node.js
Laravel
WordPress
Shopify Plus
WooCommerce
BigCommerce
PostgreSQL
MySQL
MongoDB
AWS
Azure
Docker
GA4
Google Tag Manager
Search Console
Meta Pixel
Looker Studio