# Antal Capital

> Antal is the AI operating layer for private credit: loan origination software for non-bank, business-purpose lenders. A lender encodes its credit box once; Antal's AI agents then run every loan under the lender's own brand: deal sizing and an auto-issued term sheet about 3 minutes after the borrower's first message, document collection and verification inside one white-labeled chat, a complete package delivered to underwriting, and servicing through payoff, with one append-only audit record per deal. Borrowers reach participating lenders through the same conversational front door.

## What Antal Is

Antal Capital, Inc. is a technology platform for business-purpose lending. The primary customer is the lender: non-bank private credit lenders (private credit funds, hard-money desks, family offices, balance-sheet lenders) run origination, underwriting preparation, and servicing on Antal's AI agents, configured against their own credit guidelines. Borrowers (real estate investors and small-business operators) interact with each lender's white-labeled AI loan officer in a single chat thread from first message to payoff.

Antal is not a lender. Loans are priced, approved, and funded by capital partners on their own guidelines. Antal provides the agents, tools, and audit infrastructure in between.

## Who It's For (and Not For)

Built for non-bank lenders originating residential business-purpose loans like fix-and-flip, DSCR rental, bridge, and ground-up construction, typically $50M–$250M a year (roughly 10–40 fundings a month), who author their own credit box and are growth-constrained by operations rather than capital. Lenders who sell notes, run warehouse lines, or report to capital partners get the most from the audit layer.

Deliberately not built for: banks, credit unions, and SBA lenders; consumer mortgage originators; brokers without their own credit box; marketplaces and aggregators.

## How a Loan Runs on Antal

1. **Intake**: the borrower messages a property address; the agent parses the budget, pulls comps and ARV, and applies the lender's credit box.
2. **Term sheet in ~3 minutes**: auto-issued from the lender's guidelines (no analyst, no queue); the borrower reviews and signs inside the chat.
3. **Package building**: agents collect and verify the complete file in the same thread: identity verification, background and OFAC checks, LLC certificate of good standing, credit bureau pulls, bank linking and proof of funds, statement parsing and cash-flow analysis, insurance quotes the borrower picks from, title, and full document collection.
4. **Underwriting**: a complete, source-verified package reaches the lender's underwriter, who makes the one decision that stays human: clear to close.
5. **Servicing**: draws, inspections, budget reconciliation, and payoff run in the same conversation and on the same record; fund releases stay human-gated.
6. **The record**: every tool call, document, check, and approval is written to an append-only audit trail; lenders export a complete binder per deal for note buyers, warehouse lines, LPs, or regulators.

Human gates are the lender's to set: term sheets can auto-issue under policy, while declines, exceptions, underwriting approval, and fund releases wait for a human by default.

## Built-In Tools

Deal analysis, comps and ARV, credit bureau pulls, background and OFAC checks, LLC good-standing certificates, identity verification, income verification and proof of funds, bank linking and cash-flow analysis, insurance quotes, title and lien search, document collection and parsing, draw inspections, payoff quotes.

## Platform Claims

- Term sheets auto-issued ~3 minutes after the borrower's first message
- Built for originators running $10M+ a month in origination
- SOC 2 security certified
- Guidelines versioned like code (policy diffs, version history, chat-based editing)
- White-label: the borrower never sees Antal

## Product Programs

- [Fix-and-Flip Loans](https://antalcapital.com/use-cases/fix-and-flip): 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/use-cases/bridge): 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/use-cases/dscr): 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
- [Ground-Up Construction](https://antalcapital.com/use-cases/ground-up-construction): 12–24 month term, up to 85% LTC, up to 70% LTARV, up to 100% vertical, rates 10.0%–11.9%, $250K–$5M

Roadmap: small-balance commercial, business term loans, working capital lines, revenue-based financing, composing from the same agent primitives.

## Audiences

- [Lenders homepage](https://antalcapital.com/): the operating layer for private credit: scale origination, not headcount; term sheets in 3 minutes; one audit-ready record per deal
- [Capital Providers platform detail](https://antalcapital.com/lenders): guidelines copilot, agent-run origination and servicing, white-label, marketplace
- [Borrowers](https://antalcapital.com/borrowers): describe the deal, get matched, application in ~10 minutes, close in 3–5 business days. No W-2 required. Self-employed, LLC, and foreign-national borrowers eligible.
- [Thesis & Vision](https://antalcapital.com/thesis): the autonomous AI agent stack for private credit: why now, why residential transition lending first
- [About / Company](https://antalcapital.com/about): founder story and company narrative
- [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
- Lenders / 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.