Michael Ratnikov

Fractional CTO for non-tech founders

Is your app safeto keep building on?

Your product was built by an agency, contractors or AI tools. It works, and people use it. Now a round, an audit or a big customer is coming, and someone will read your code with no reason to be kind. I read it first. Then I tell you in plain English what is safe, what must be fixed, and whether a fix or a rebuild is cheaper.

Book a risk assessment call

Free, 30 minutes. You leave with your 3 biggest risks in writing.

18 years

In software

3 startups

From zero to production

SOC 2 + HIPAA

Audits passed on a platform I led

2 weeks

Fixed-price review

The problem

Sound familiar?

There is nobody independent to ask. The people who could tell you the truth either built the product or want to sell you the next one. So you carry it alone, accountable for a system you cannot inspect.

  • Features that took hours now take days.

  • A fix in one place breaks something else.

  • The vendor says “we need two more devs”, and you cannot check if that is true.

  • Customers complain about bugs and downtime.

  • You are not sure who can see whose data.

  • A round, an audit or a security questionnaire has a date on it.

This problem is older than AI, and it has a known fix: one senior person on your side of the table.

How I work

Four stages, one at a time

You decide on the next stage only when the last one is done.

1

Risk Assessment Call

Free

30 minutes

We go through who built the product, what must happen in the next 90 days, and what breaks today. An honest answer on whether a review is worth your money now, including “no, not yet”.

  • Your 3 biggest risks, in writing, after the call
  • No preparation needed
Most founders start here2

Production Readiness Review

$4,000

Fixed price, 2 weeks, read-only

I read your code, infrastructure and data the way an investor’s technical adviser will. Then the verdict: is it safe to keep building on, what must be fixed before real users and due diligence, and is a fix or a rebuild cheaper? Anything critical, like an exposed key, you hear about the day I find it.

  • Report: findings rated by business impact, with evidence and a fix estimate
  • Harden-or-rebuild verdict, with the cost of each path
  • Hardening roadmap your team can execute
  • One-page investor summary
  • 60-minute walkthrough
3

Harden & Take Live

From $12,000

Per milestone, fixed price, 4‑8 weeks

If the roadmap needs a senior owner, I lead the fixes in order of risk. Your stack stays. Staging before production, rollback built in, everything in your accounts. You approve each milestone before the next starts.

  • Each milestone tested against its acceptance test
  • Handover docs, so a new developer can run it without me
4

Retained CTO

From $5,000/mo

One day a week, or two

When the product is live and stable, I stay as the person who owns the technical decisions.

  • Weekly decision call with a written log
  • Vendor work checked against scope before every payment
  • Investor and auditor questions answered with you
  • Offered after a delivered Review, never at first contact

Every engagement starts with stage 1, a free 30‑minute call.

You leave with your 3 biggest risks in writing, even if we never work together.

What I check

What the Review checks

The same list an investor's technical adviser or an auditor works from.

  • Access control

    Who can see and change whose data.

  • Secrets and API keys

    What is exposed in the code or the browser.

  • Tenant isolation

    Every customer's data walled off from every other.

  • Data integrity

    Whether the numbers can be trusted.

  • Backups and rollback

    What happens on the worst day.

  • What the AI-generated parts hide

    Duplicated logic, fixes of symptoms instead of causes, missing tests.

  • Compliance gaps

    SOC 2, HIPAA or GDPR, where they apply to you.

  • What the Review is not

    • No code written during the Review
    • Not a penetration test
    • Not a certification
    • Not a blame report. It names no people and is written to help your team ship.

Why it matters nowBroken access control is number one in the OWASP Top 10:2025. Every application in OWASP's data had some form of it. In Veracode's 2025 tests of more than 100 AI models, 45% of the code samples had a security flaw from the OWASP Top 10. The models got better at writing code that runs. They did not get better at writing code that is safe.

Case studies

Three products I took to production

Each one taught me something I now check in products other people built.

Insurance CRM that passed SOC 2 and HIPAA audits, on laptop and phone
  • Passed SOC 2 and HIPAA audits
  • 5 years, no rewrite
  • Per-agency data isolation
  • 5 AI features
Read the full case study
InsurTech

Insurance CRM that passed SOC 2 and HIPAA audits

The client was replacing its old system with a CRM and sales platform for US life-insurance agencies. It holds personal and health data. Every agency got its own database, logins and web address, so no agency's data sits in a shared table. Security was built in from the first release, not added before the audit: encryption, a web firewall, secure key storage, a log of every data change, daily backups, and a release gate that blocks known critical flaws. Agents run the whole sale in one place, and customers can buy a policy online without an agent. I was lead architect in a team of five, through Rendered Source, for five years.

I have been through SOC 2 and HIPAA audits on a live platform. In a Review, I check your product against the same controls those auditors checked.

Car repair marketplace that stayed fast when suppliers were slow, on laptop and phone
  • 10+ external APIs integrated
  • 6 web applications built
  • MVP in 6 months, change of direction included
  • Instant quotes from local price data
Read the full case study
Automotive

Car repair marketplace that stayed fast when suppliers were slow

YEZ is an online marketplace for car repair. Car owners pick the job, get a price for parts and labour, and book a slot at a partner repair shop. As CTO, I started with no team and no product. I hired four engineers and a designer, and we built 6 web apps on one shared core. The hard part was prices. They came from outside suppliers whose systems were slow and limited how often we could call them. So we copied supplier prices into our own database in the background. A customer's quote never waited on a supplier, and a slow supplier could not take the product down.

A product that depends on other companies' systems can pass every demo and still fail with real users. In a Review, I check what happens to your product when those systems are slow or down.

Hotel booking platform, MVP in 3 months for a funding round, on laptop
  • MVP in 3 months
  • Full platform in about a year
  • Stays and tours on one platform
  • Team of 2 developers
Read the full case study
Hospitality

Hotel booking platform, MVP in 3 months for a funding round

Ecoplaces is a booking platform for country hotels and resorts. As CTO, I started with no product, a budget for two developers, and a funding round that depended on a working product. I chose the stack, hired two developers and built with them. The guest booking site and the admin back office share one core, so both run on the same data and rules. The pricing engine handles real hotel pricing: seasons, weekdays, extra guests, discounts and cancellation rules. Hotel owners confirm bookings from a secure email link, with nothing to install.

Most products I review were built fast on a small budget, like this one. I know which shortcuts are safe to keep and which must be fixed before a bigger test, because I took them myself.

Reviews

What clients say

In their own words.

“Michael is in the top 1% of any architect we have worked with. ... He is a leader with good judgement, highly technical, very kind and as honest as they come.”
Paul Janisko

Paul Janisko

CEO, Rendered Source

“Very stress-resistant, always even-tempered, responsive - perfect fit for a rapidly evolving and uncertain startup environment. Would highly recommend Michael for every team trying to tackle difficult and challenging task. He is a real pro.”
Roman Lebedev

Roman Lebedev

Chief Financial Officer, YEZ

“It was a totally smooth experience, Michael made all the stuff needed thoroughly and on time, communication was easy and I can't remember any misunderstandings.”
Sergey Khavronin

Sergey Khavronin

Chief Executive Officer, Ecoplaces

About

Why I do this

Fractional CTO. Founder of Softwisery.

Michael Ratnikov

Where I have done this

US insurance (personal and health data)Automotive marketplaceHospitality bookingRail ticketingTaxi dispatchBillingOnline paymentsAI features in production

I work remotely with founders in the US, the UK and Europe.

I'm Michael. 18 years in software, three startups from zero to production. I started as a developer, then ran the teams that wrote the code. I learned three things the hard way:

  1. 1Products rarely fail at launch. They fail at the first audit, the first big customer or the first raise.
  2. 2“We need two more devs” is almost never the answer, and the founder has no way to check.
  3. 3Nobody who built the product, or wants to rebuild it, should be its judge.

The audit, the big customer and the raise are the moments I work for. At that point most founders do not need a full-time CTO, and cannot yet pay for one. They need one senior person on their side for those moments: a fixed-price review, or one or two days a week.

I use AI coding tools in my own work every day, the same kind of tools that built many of the products I review. So I know what they do well and what they hide. I work through Softwisery, my consulting company.

What you get

  • A straight answer in plain English, in writing
  • Technical decisions off your desk
  • Every vendor estimate checked before you pay
  • Nothing locked to me: documented so an in-house CTO can take over
FAQ

Questions founders ask

Before the first call. Not on the list? Ask it on the call.

About the Review
Working together
Price and fit

Is a deadlinecoming?

A round, an audit, a big customer, a vendor contract. Book a 30‑minute Risk Assessment Call. We go through who built your product, what must be ready before that date, and what breaks today.

Free. No preparation. You leave with your 3 biggest risks in writing, and an honest answer on whether a review is worth it now.