# Antal

> Antal is the complete white-label operating layer for private lenders and mortgage brokers. A borrower starts a lender-branded chat, the AI qualifies the opportunity and opens the application, documents arrive through the portal or inbox, and Antal matches, classifies, checks, and organizes the file for underwriting review. Staff can take over at any time.

## What Antal Is

Antal, Inc. is a technology company building workflow and agent software for private lending operations. It is designed for private lenders processing 10 to 500 loans per month and mortgage brokers who do not want to chase paperwork.

Antal is not a lender. It does not make final credit decisions, approve exceptions, close or fund loans, approve draws, move money, or make final lender portal submissions.

## Supported Workflows

- [Fix & Flip](https://antalcapital.com/use-cases/fix-and-flip)
- [Bridge](https://antalcapital.com/use-cases/bridge)
- [Ground-Up Construction](https://antalcapital.com/use-cases/ground-up-construction)
- [DSCR](https://antalcapital.com/use-cases/dscr)

These pages describe the operational workflow Antal supports. They do not advertise loan terms, rates, leverage, or credit products offered by Antal.

## How a Loan File Moves

1. **Conversation**: a borrower starts a chat under the lender's brand. Voice is available in controlled rollout.
2. **Application**: the AI qualifies the opportunity, captures borrower, entity, property, and requested-loan information, and opens the application.
3. **Documents**: files arriving through the borrower portal or inbox are matched to the correct loan, classified, checked, versioned, and replaced when needed.
4. **Underwriting preparation**: the underwriting agent reviews the assembled file and surfaces missing items, conflicts, evidence, and exceptions for staff review.
5. **Human control**: staff can join the conversation or file at any time. People retain every consequential decision and irreversible action.

## Product Availability

### Core product

- Complete white-label borrower chat and application workflow
- Portal and inbox document collection
- Document matching, classification, checks, and replacement requests
- Source-linked loan-file assembly
- Underwriting package preparation
- Staff takeover at any time

### Controlled rollout

- Voice intake
- Browser and cloud-computer agent work
- Agent use of approved workflows across partner websites

### Preview

- Skill Recorder: record a staff workflow, convert it into a reviewable skill, approve it, and replay it for another loan file

## Existing Systems

After implementation and approval, Antal agents can work with CRMs, calendars, spreadsheets, Google Drive, Microsoft Teams, email, and partner websites. Browser and cloud-computer execution is in controlled rollout.

## White Label

The borrower-facing chat, application, document requests, portal, lifecycle communication, and domain can use the lender's identity. Borrowers see the lender and its staff, not Antal.

## Human Authority

People retain responsibility for:

- Final credit decisions
- Exceptions
- Closing
- Draw approvals
- Funding
- Money movement
- Final lender portal submission
- Approval of new or changed agent skills

## Note Buyers

[Antal for Note Buyers](https://antalcapital.com/partners/note-buyers) describes how the lender's living loan file can become a source-linked review package. Antal does not buy or sell notes. The note buyer retains eligibility, pricing, diligence, and purchase authority.

## Public Pages

- [Homepage](https://antalcapital.com/): concise product overview
- [Features](https://antalcapital.com/features): borrower workflow, document operations, connected agents, human controls, and Skill Recorder preview
- [For Lenders](https://antalcapital.com/lenders): workflow, white-label support, systems, and rollout boundaries
- [Thesis](https://antalcapital.com/thesis): why the loan file becomes the operating system
- [About](https://antalcapital.com/about): company story and founders
- [Note Buyers](https://antalcapital.com/partners/note-buyers): source-linked note-review packages
- [Privacy Policy](https://antalcapital.com/privacy)
- [Terms of Service](https://antalcapital.com/terms)

## Founders

- **Roberto Pernicone**, CEO / CTO and Co-Founder: built loan-origination infrastructure that helped scale one private lender from $10M to $200M in annual originations; operated $15M of real estate as principal; MBA and MIT Applied Data Science. roberto@antalcapital.com
- **Efstathios (Thomas) Prantalos**, GTM and Co-Founder: scaled lending sales from $0 to $1M through networks, referrals, and embedded partnerships with mortgage brokers and lenders. thomas@antalcapital.com

## Contact

- Website: https://antalcapital.com
- Request Demo: https://ro.am/roberto-pernicone/demo
- Lenders: roberto@antalcapital.com
- Investors: roberto@antalcapital.com
- General: contact@antalcapital.com

## More Context

- [Full LLM context](https://antalcapital.com/llms-full.txt)
- [AI information](https://antalcapital.com/ai.txt)