/thesis · vision
One place where borrowers find capital, capital providers run their underwriting, and every deal flows through a single network of specialist AI agents.
/the platform
Antal is a two-sided platform for business-purpose lending. Borrowers find capital through one intelligent front door. Capital providers run their entire underwriting motion on a stack of specialist agents against their own guidelines. Everything stays inside one ecosystem, with one continuous record per deal.
Describe what you need — a fix-and-flip, a bridge, a DSCR refi, a working-capital line, revenue-based financing. The assistant routes you to the right capital partner, runs your preapproval, collects your file, and gets you to a signed term sheet without a phone-tag chain.
Bring the capital and the credit box. We bring the agents that originate, underwrite, and close against your guidelines. No 20-person underwriting team. Your decisions stay yours; the agents do the work in between.
/the architecture
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. The same record threads through all three.
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. People hold every irreversible decision; the agents do the work in between.
One conversational agent that handles every product — fix-and-flip, DSCR, bridge, ground-up, small-balance commercial, term loans, working capital, revenue-based — and routes each deal to the capital partners 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 — identity, income, entity, document parsing, property data — that work the same regardless of product.
The borrower sees one conversation. The capital provider sees one record.
Skills · configurable per lender
Per loan type
ARV, rehab budget, draw schedule, BPO vs. appraisal selection. Term sheet through construction draws and payoff.
Rental cash flow, debt-service coverage, 30-year purchase or refi. Escrow analysis and monthly servicing built in.
Short-term acquisition with no rehab. Exit-strategy validation. Term sheet through payoff in weeks.
Multi-year build, draw-based funding, milestone inspections. Hard costs and soft costs tracked through completion.
Term loans against operating income. Coverage ratios, operating history, sponsor strength.
Daily or weekly remittances against gross revenue. Real-time bank-statement parsing.
Multi-unit, mixed-use, and light commercial. Property cash flow plus sponsor analysis.
Revolving credit against business cash flow. Real-time line management and repayment scheduling.
Tools · shared across every lender
What the skills call
— and more, as the network grows
/the wedge
We start with residential transition loans — fix-and-flip, bridge, and DSCR rental — because they're operationally the hardest: rehab budgets, ARV, draw schedules, time-sensitive closings, multiple third parties to coordinate. If our agents can run an RTL deal end-to-end, business loans, cash-flow-based financing, and small-balance commercial compose upward from the same primitives.
We're a lender on our own platform. Every primitive in the product exists because we needed it to fund a real loan that week. That keeps the stack honest.
/the difference
Every AI lending tool we've seen picks one of these and builds around it. Antal is built around all four — a two-sided network, a shared policy format, data from every deal, and an audit trail institutional capital trusts. Each piece stands on its own. Together they're why the platform exists.
Network
More capital partners means better matching for borrowers. More borrowers means more deal flow for partners. Once the network is dense, replicating it is a multi-year sales motion — not a feature build.
Standard
Capital providers encode their guidelines once, in a format every downstream agent reads the same way. Brokers, auditors, and borrowers all read the same shape. Standards stick once they spread.
Data
Every deal we fund teaches the agents what actually happened — what closed, what defaulted, what got declined. Three years of that isn't replicable with raw capital.
Audit
Every decision is reproducible from a single record. Every irreversible action has a human gate. Not a feature — the price of doing business with institutional capital.
/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. No mid-life data hand-off.
04
No outbound sales. Deals that fit your box get routed to you.
05
Your call. The borrower never has to know which lender they're matched to until the term sheet lands.
06
Origination through payoff. Show your LPs, your regulators, or your auditor exactly what produced any historical decision.
In active conversations with capital partners deploying $50M–$500M annually across RTL, small-business, and cash-flow products. If you want capital deployed at the speed software moves — talk to us.
Book a call/for investors
A network across both sides of the marketplace. A standard the industry will adopt. A data flywheel that compounds with every deal.
$2T+
Private credit AUM, today
15%
Annual AUM growth
$2.8T
Projected AUM by 2028
0
Standard operating layer
Market
Private credit holds over $2T in AUM, growing 15% annually, and still runs on email and spreadsheets. Every dollar of new AUM raises the operating spend tied to deploying it.
Timing
A platform that orchestrates specialist agents across origination, underwriting, and closing — with auditability institutional capital trusts — was not buildable 18 months ago.
Wedge
Residential transition lending is operationally the hardest segment. The same agent primitives compose upward into every other business-purpose product class.
Pre-seed · open
Materials on request. We're selective on the table — we want partners who know the asset class, not tourists.
/the founders
Antal isn't a thesis. It's the system Roberto built to scale one private credit lender from $10M to $200M in annual originations — now generalized for every lender that comes after. Thomas wires it into the channels that matter.
Co-FounderCEO / CTO · Co-Founder
Built loan-origination infrastructure that took one private credit lender from $10M to $200M in annual originations. Operated $15M of real estate as a principal before that. Antal is the same playbook, generalized.
Backed by real estate investors, developers, and operators who need this to exist.
/the next conversation
/borrower
Describe what you need. The orchestrator routes you to the right capital partner and runs your preapproval.
Start an application/capital partners
Encode your guidelines, plug into the borrower marketplace, white-label or co-lend. Your decisions stay yours.
Book a call/investors
Request the deck. Materials on request. Partners who know the asset class get priority.
Request access