01
Judgment that walks out the door.
Your best credit officer's decisions live in their head. When they leave, the next person inherits a login and a spreadsheet — not twenty years of reasoning.
The first AI-native private lending stack
Your capital.
Your brand.
Our AI agents.
Antal captures your credit judgment and deploys it as autonomous AI agents — under your brand, from first borrower message to payoff. One chat per loan. One record per deal. Every decision reproducible.
Apex Capital
Guidelines
v14 · active
● 6 skills on
Pipeline
BorrowerAmountStatus
Live chat
Reply…
Your brand. Your AI agents. One operating layer.
$1M+
Daily loan volume
3
Capital providers
SOC 2
Security certified
7-fig
Builds replaced
/the-problem · why change now
The system you've built works — until someone leaves.
Every private credit team runs on judgment no one has written down. The rules live in email threads, policy memos, and the instincts of the people who've been there longest. Antal captures that judgment and makes it transferable — so the next person in the seat inherits the reasoning, not just the login.
02
Audits you reconstruct from email.
When a regulator asks why a loan was approved, your team rebuilds the answer from inboxes and file shares. Every examination is a fire drill.
03
Analysts who assemble instead of decide.
Your team spends 80% of their time collecting documents, validating files, and chasing third parties — the same work, every deal, from scratch.
/the-medium · how it works
One chat per loan. First message to payoff.
This is not a chat feature added to a CRM. The chat is the system. Application, underwriting, term sheet, closing, servicing — one continuous conversation, one audit trail. The borrower returns eight months later for a draw request and picks up the same thread.
- Your guidelines, encoded. Upload rate cards and policy memos. The agents extract the rules. Adjust by chat, not by ticket.
- Your borrowers, white-labeled. Every borrower sees your brand, your AI officer, your colors. They never see Antal.
- Your decisions, reproducible. Every override your team makes becomes a permanent lesson. The audit trail is append-only.
9:41
Sarah · AI Loan Officer
● online · Apex Capital
Message Apex Capital…
Your borrower's experience. Your brand.
/the-difference · why this compounds
Every deal makes the next one sharper.
Most credit software is the same six months in as the day you bought it. Antal is the opposite. Every override your team makes, every threshold your head of credit refines, every edge case they resolve becomes a permanent lesson the next deal benefits from. Six months in, what Antal knows about your shop reflects six months of your decisions. The compounding is yours, not ours.
Memory
A working record of every override your team makes.
When a credit officer reverses a decision the agent reached, Antal writes one line — the rule that resolved it. Speculative rules are forbidden; every entry traces back to a specific deal. After a hundred closed loans, your record is roughly thirty lines, each one a constraint your team chose. None of them are ours.
Speed + control
Auto-issue term sheets. Human-gate everything else.
Encode your guidelines and Antal issues term sheets at machine speed — a five-person team moving like a fifty-person desk. Declines, fund releases, score overrides stay human-gated until you decide otherwise. You draw the line. The agents execute on your side of it.
Audit
Every decision reproducible from one record.
Every step Antal takes is logged — what it called, what came back, who approved it, when. The trail is append-only; it can't be edited after the fact. Show your LPs the binder. Show a regulator the chronology. The story of any loan is one continuous record, not a reconstruction from inboxes.
/for-capital-providers · who it's built for
Built for any team that deploys capital.
Private credit funds
Encode your credit box. Agents originate and underwrite against your guidelines. One audit trail per deal.
Hard-money desks
Give your origination team AI agents that run Fix & Flip, Bridge, and DSCR end to end — so they focus on decisions, not data entry.
Family offices
Deploy capital into business-purpose lending with institutional-grade infrastructure and full visibility.
Balance-sheet lenders
White-label or co-lend. Your borrowers see your brand. Your agents run on our rails.
/early-access · limited
Capital providers who start now own two years of compounded decisions.
We're onboarding teams deploying $10M+ annually across business-purpose lending. Early access is limited.