# Antal Capital

> Antal is the AI agent stack for business-purpose loans. Borrowers find capital through one front door; capital providers run origination, underwriting, and servicing on a network of specialist AI agents — against their own guidelines, with one audit trail per deal.

## What Antal Is

Antal Capital, Inc. is a technology platform for business-purpose lending. The platform connects two sides: real estate investors and small-business borrowers on one side, capital providers (private credit funds, family offices, balance-sheet lenders, brokerages, RIAs with credit allocations) on the other. AI agents handle origination, underwriting, and servicing end-to-end against each lender's own credit guidelines.

Antal is not a lender. Loans are originated through institutional capital partners. Antal sources, qualifies, packages, and services deals; capital partners price, approve, and fund.

The platform stack has three layers:
- **Research** — capital providers encode guidelines once; agents extract a structured policy every downstream system reads
- **Origination, Underwriting & Servicing** — agents run loans end-to-end; humans hold every irreversible decision
- **Orchestrator** — one conversational borrower-facing agent that routes deals to capital partners whose guidelines fit

## Product Programs

Four programs live today, sourced through 100+ institutional capital partners across 45 states. Roadmap includes small-balance commercial, business term loans, working capital lines, and revenue-based financing — all composing from the same agent primitives.

- [Fix-and-Flip Loans](https://antalcapital.com/programs): 6–12 month term, up to 92.5% LTC, up to 75% LTARV, up to 100% rehab financing, rates 8.9%–9.9%, $100K–$2.5M, first lien, interest-only, no prepay
- [Bridge Loans](https://antalcapital.com/programs): 12–24 month term, up to 75% LTV purchase / 70% cash-out, rates 9.5%–11.5%, $250K–$10M, first lien, interest-only
- [DSCR Rental Loans](https://antalcapital.com/programs): 30-year fixed / 5-6 / 7-6 ARM, up to 80% LTV purchase / 75% cash-out, min DSCR 0.75–1.00, rates 7.4%–9.2%, $100K–$3.5M
- [New Construction Loans](https://antalcapital.com/programs): 12–24 month term, up to 85% LTC, up to 70% LTARV, up to 100% vertical, rates 10.0%–11.9%, $250K–$5M

## Audiences

- [Borrowers — homepage](https://antalcapital.com/): describe the deal, get matched, complete an application in about 10 minutes, lender-ready file in ~15 minutes, close in 3–5 business days. No W-2 required. Self-employed and LLC borrowers welcome. Foreign nationals eligible.
- [Thesis & Vision](https://antalcapital.com/thesis): the autonomous AI agent stack for private credit — why a two-sided platform, why now, why residential transition first
- [About / Company Narrative](https://antalcapital.com/about): founder story, the four-part problem the platform solves
- [Capital Partners / Lenders](https://antalcapital.com/partners/lenders): AI-native origination platform — file pre-verification, full pipeline visibility, white-label or run inside Antal
- [Wholesalers Program](https://antalcapital.com/partners/wholesalers): referral fees on funded wholesale deals
- [Realtors Program](https://antalcapital.com/partners/realtors): referral fees on investor-client loans

## Founders

- **Roberto Pernicone** — CEO / CTO, Co-Founder. MBA, MIT Applied Data Science. Built loan-origination infrastructure that took one private credit lender from $10M to $200M in annual originations. Operated $15M of real estate as principal (multifamily, STR, boutique hotels) before that. Second-time founder, one prior exit. roberto@antalcapital.com
- **Efstathios (Thomas) Prantalos** — GTM, Co-Founder. Scaled lending sales from $0 to $1M through networks, referrals, and embedded partnerships with realtors and brokers. thomas@antalcapital.com

## Optional

- [Full long-form content (llms-full.txt)](https://antalcapital.com/llms-full.txt) — page-by-page expansion for deeper LLM context
- [Privacy Policy](https://antalcapital.com/privacy)
- [Terms of Service](https://antalcapital.com/terms)

## Contact

- Website: https://antalcapital.com
- Apply: https://antalcapital.com
- Capital partners: roberto@antalcapital.com
- Investors: roberto@antalcapital.com
- General: contact@antalcapital.com

## Compliance Note

Antal Capital does not fund loans directly. All loans are originated through institutional lending partners. Loan terms, leverage, and eligibility are determined by the lender and subject to lender approval. Business-purpose loans are not subject to consumer mortgage licensing in most jurisdictions. In states requiring a lender or broker license for business-purpose loans, Antal operates under partner sponsorship.