/lenders · the agent stack
Capital providers configure the top layer. Borrowers come in from the bottom. In the middle, the agents do the work that used to take a 10-person desk — pre-funding and the life of the loan after.
Capital providers configure here
Capital providers use these to encode and refine their guidelines once. Upload rate cards, policy memos, historical deals — the agents extract the rules and produce a structured policy every downstream system reads. Adjust by chat. Run scenarios. Compare against peer terms.
Once guidelines are codified, the agents run the loan end to end. Pre-funding: score the deal, issue a conditional term sheet, validate the file against insurance, title, and inspection requirements, and coordinate appraisal, BPO, and closing in parallel. After funding: the same agents handle payment collection, construction draws and inspections, escrow, payoff requests, and default workflows.
One conversational agent that handles every product — fix-and-flip, DSCR, bridge, ground-up, small-balance commercial, term loans, working capital — and routes each deal to the capital providers whose guidelines fit. The borrower experience stays the same whether the deal is a $400K flip or a $2M term loan.
Borrowers come in here
/the-agent-stack
An agent is a set of product skills. Each skill knows how to underwrite, close, and service one type of business-purpose loan end-to-end. The lender turns on the skills that match their credit box. Underneath, every skill calls the same shared tools.
The borrower sees one conversation. The lender sees one record.
Skills · configurable per lender
Per loan type
ARV, rehab budget, draw schedule, BPO vs. appraisal selection.
Rental cash flow, debt-service coverage, 30-year purchase or refi.
Short-term acquisition with no rehab. Exit-strategy validation.
Multi-year build, draw-based funding, milestone inspections.
Term loans against operating income. Coverage ratios, sponsor strength.
Daily or weekly remittances against gross revenue.
Multi-unit, mixed-use, and light commercial underwriting.
Revolving credit against business cash flow.
Tools · shared across every lender
What the skills call
— and more, as the network grows
/for-capital-providers
Whether you're a private credit fund, a family office, a balance-sheet lender, a brokerage, or an RIA with credit allocations.
01
A structured format your team and your auditors can read.
02
Your decisions stay yours. The agents handle assembly, validation, and coordination.
03
Payments, draws, escrow, and payoff run through the same agents and the same record.
04
No outbound sales. Deals that fit your box get routed to you.
05
Your call. The borrower never has to know which provider they're matched to until the term sheet lands.
06
Origination through payoff. Show your LPs, regulators, or auditor exactly what produced any decision.
/early-access · limited
Capital providers deploying $10M+ annually