Financial services · San Diego
Orcatec offers financial software development for advisors, lenders, credit unions and fintech startups in San Diego and across the US. We build client portals, payment flows and internal tools that move money and sensitive data safely. Our own platform processes invoices and payments every day, so we design for audits and edge cases from the start.
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Most financial firms do not need another generic platform. They need fintech software development that fits their products, their approvals and their regulators, from banking software for credit unions to apps for wealth managers.
Secure places for clients to see balances, statements and documents, sign forms and message their advisor or loan officer.
iOS and Android apps for budgeting, investing, lending or payments, with biometric login and clear account views.
Card and ACH payments, recurring billing, payouts and reconciliation through providers such as Stripe, so card data never touches your servers.
Online applications, document collection, credit and identity checks, underwriting queues and status updates for borrowers.
Onboarding, KYC checklists, approvals and reporting that replace spreadsheets and email threads.
Document extraction from statements and pay stubs, transaction categorization and assistants that draft client summaries for human review.
Older cores and vendor platforms rarely have good APIs. We build integration layers so new apps can read and write data without risky rewrites.
Paper forms and back-and-forth emails slow down new accounts. Guided digital onboarding with document upload cuts days from the process.
CRM, accounting, portfolio and loan systems each hold part of the picture. We connect them and build one reporting view.
Examiners and auditors ask who did what and when. We add audit logs, role-based access and data retention rules to every build.
Security is part of the design, not a final checklist. We use encryption in transit and at rest, role-based access, multi-factor authentication, audit trails and least-privilege cloud setups. For payments we prefer tokenized flows from established processors, which keeps most card data out of your systems and narrows your PCI DSS scope.
We are not an auditor and we do not certify your company. What we do is build software that supports your PCI DSS, SOC 2 readiness, GLBA and state privacy obligations, and we document controls so your compliance team and auditors can review them. Final compliance decisions stay with your counsel and auditors.
Tell us what you want to build and which systems it must connect to. We’ll reply within one business day with questions and next steps.
The Orcatec platform handles estimates, invoices, online payments and QuickBooks sync for service businesses. We maintain those money flows ourselves.
We designed, built and still run Orcatec, a field service management platform used by home services companies to sell, schedule, dispatch, invoice and get paid, in the office and in the field.
Read the case study →We map users, data flows, integrations and regulatory requirements, then agree on scope, security controls and a timeline.
Clickable prototypes for clients and staff, tested before development so approval flows and disclosures are right.
Two-week sprints with working builds, code review, automated tests and security checks in the pipeline.
Staged rollout, monitoring and alerting, plus a support plan for updates, new features and audit requests.
San Diego has a busy mix of wealth managers, credit unions, mortgage lenders and early-stage fintech companies. Many of them need a development team that can sit in a room with compliance and operations, not just take tickets. We are based in San Diego County, work in your time zone and can meet in person for discovery and reviews.
Do you build fintech apps for startups and established firms?
Are you PCI DSS or SOC 2 certified?
Can you integrate with our existing core or accounting system?
Can we meet your team in San Diego?
How do you use AI with financial data?
Who owns the code and the data?
Web applications, SaaS products, internal tools and integrations built around how your business actually works.
Learn more →Native iOS and Android, React Native and Flutter apps, from first prototype to App Store release and support.
Learn more →AI strategy, agents, chatbots and automation built into the tools your team already uses, from first use case to production.
Learn more →Workflow automation, integrations, document processing and AI automation that remove manual work from daily operations.
Learn more →Property management software, listing apps, tenant portals and agent tools built around how your real estate business works.
Learn more →Tell us what you want to build. We’ll reply within one business day with questions and next steps.