Before building anything custom, check whether an off-the-shelf tool already solves it. A tool that
handles 80% of the problem today usually beats a custom build that handles 100% in two months.
Custom is worth it when the AI needs to connect to your existing systems, when the off-the-shelf option
requires the manual data entry you're trying to eliminate, when per-seat pricing multiplies as you grow,
or when your data can't leave your infrastructure. For most SMB projects, custom means one model, one or
two data sources, and a focused interface.
Published agency rate cards for enterprise AI work start around $60,000, because that work is priced for enterprise procurement and Fortune 500 infrastructure. Scope the same
kind of work for one small business (one model, your data, an interface your team will actually open,
deployment) and it starts in the thousands, not the tens of thousands. Running costs for a typical internal
tool land under what you already pay for one mid-tier SaaS seat. The line item that moves the total most is
the decision about what to build: a clear problem with defined data moves fast, while "add AI to our
business" stalls.