Question 1

Is there a free tier?

Accepted Answer

No. Rakolto is paid-only and plans start at $30 a month - a plan is how you get in. The one exception is our test program: twenty practicing brokers get the full workflow free, under hard limits, in exchange for a short weekly report. See what we're looking for.

Question 2

What is a credit?

Accepted Answer

A unit of sending. One email to a borrower uses one Email Credit. Credits are the same on every plan; what changes is how many you get.

Question 3

What happens if I run out of credits?

Accepted Answer

We email you at 80% so it's never a surprise. At 100%, outbound chasing pauses unless you've switched on automatic top-ups in Settings or buy a pack by hand - packs cost $15 for Email Credits, and a pack is always half your plan's monthly allowance. Your borrowers can always upload regardless - an upload link never breaks over billing.

Question 4

How many loans do my credits actually cover?

Accepted Answer

A typical loan file uses about 15 emails end to end - the request, the chase reminders, an alert for each document that lands, and the completion notice. That puts Starter at roughly 16 loan files a month, Pro at about 33, and Plus at about 66. The average loan officer closes 1-2 loans a month, so Starter already covers them many times over.

Question 5

Are loans and documents really unlimited on every plan?

Accepted Answer

Yes. Loans, documents and borrowers are unlimited on all three plans - the core loan workflow is identical everywhere, and that's still the product. What scales with the plan is your monthly credits, plus a handful of workflow conveniences on top of it: document templates (3 on Starter, 5 on Pro, unlimited on Plus) and connected drives (1 on Starter, 3 on Pro, unlimited on Plus) among them.

Question 6

What's the difference between monthly and annual?

Accepted Answer

Same product, same credits. Annual is two months free - Pro is $45/month billed monthly, or $450/year, which works out at $38/month. Prices exclude tax. Tax is calculated at checkout.

Question 7

Do you have Team or Organization plans?

Accepted Answer

Not yet. Shared pipelines, pooled credits, roles and central billing are designed and are not built - Personal is what we're selling today. Every plan on this page is a single-operator workspace, and there is no per-seat price because there are no seats.

Question 8

Can I change plans or cancel anytime?

Accepted Answer

Both, anytime, from Settings. Switching tiers is prorated onto your next invoice rather than charged mid-cycle, so it never produces a surprise charge. If you cancel you keep full access through the period you've already paid for. See the refund policy for the details.

Question 9

Who handles payment?

Accepted Answer

Payments are processed securely by Paddle, our authorized reseller and Merchant of Record. Paddle handles checkout, receipts, and any applicable sales tax or VAT. Card checkout is not switched on yet while Paddle finishes verifying us - email support@rakolto.com in the meantime and we'll take payment another way and switch you on by hand.

Feature	Starter	ProMost popular	Plus
Price
Per month Billed annually	$25/mo	$38/mo	$50/mo
Core workflow
Unlimited loans, documents & borrowers	Included	Included	Included
No-login borrower upload links	Included	Included	Included
Files saved straight to your Google Drive	Included	Included	Included
Automatic chase reminders until complete	Included	Included	Included
Arrival alerts the moment a document lands	Included	Included	Included
One live command center for every loan	Included	Included	Included
Monthly credits
Email Credits	250	500	1,000
Loan files covered Estimated at ~15 emails per loan file.	~16	~33	~66
Top-ups
Email Credit pack	125 credits · $15	250 credits · $15	500 credits · $15
Packs per cycle	1	3	3
Automatic top-ups	Optional, off by default	Optional, off by default	Optional, off by default
Workflow features
Document templates	3	5	Unlimited
Connected drives	1	3	Unlimited
Daily digest email	Not included	Included	Included
Shared drive support	Not included	Not included	Included
Integrations
Cloud drive integration	Included	Included	Included
Custom sending domain	Coming soon	Coming soon	Coming soon
API & integrations	Not included	Coming soon	Coming soon
AI add-on	Coming soon	Coming soon	Coming soon
Support
Email support	Included	Included	Included
Priority support Answered as soon as possible	Not included	Not included	Included

Unlimited loans.
Limits you can actually see.

Compare plans

Team and Organization workspaces are coming.

What that actually buys

Questions

Unlimited loans.Limits you can actually see.