471 loan-level amortization schedules in 3 hours — 735x faster than Baker Tilly's $300/hr engagement.
PorchPass had engaged Baker Tilly — one of the top 10 accounting firms in the United States — to produce loan-level amortization schedules for the Rogue Credit Union portfolio. After 8 business days of effort, Baker Tilly delivered 41 schedules. At their $300/hour billing rate, the full-portfolio engagement was projected to cost $702,438.
Nick identified this as a massive efficiency opportunity. Using advanced Excel formula engineering, he built a complete amortization engine that generated all 471 loan-level schedules in just 3 hours — producing 1,699,369 new data points with automatic 300-month term calculations.
The efficiency comparison is staggering: 735x faster than Baker Tilly's pace. Beyond the immediate savings, the internal engine provides ongoing monthly recalculation capability, integration with the single-input architecture, and scenario analysis capability that would have required additional Baker Tilly engagements.