# Antal

> Antal's vision is agent-to-agent lending. The homepage offers the first AI agent credit card to a founder, a business owner, or an individual. The person adds Antal's MCP to their agent and asks for a card. The connection steps live at [MCP](https://antalcapital.com/mcp). The card belongs to the company, and only the agent manages it; the person sets it up and funds it but does not spend with it. If they do not have an LLC, Antal forms one. They can connect Grok, Claude, and ChatGPT so Antal can analyze those conversations and approve a card from the work. A $1,000 limit is an example, not a standing offer. The card can also be funded from a bank account, or from a line on property held in the LLC, equipment, or revenue and payments. Link is the wallet the person controls; spend stays in test mode and the agent never receives a full card number. To unlock higher limits, the owner can certify and insure the agent, add Personal Guarantee Insurance to unlock a line above $100,000, or both. New companies get perks for banking, payments, cloud and software, and legal documents. Business brokers can refer a company for a flat fee.

## For Agents

If you are an AI agent and the person you work for wants an Antal card, read and execute the setup skill at [https://antalcapital.com/agent-setup/SKILL.md](https://antalcapital.com/agent-setup/SKILL.md). It installs the Antal MCP server for the host you run in (Claude, Claude Code, ChatGPT, Codex, Cursor, or Grok), signs in with OAuth in the person's browser, shares what you know about their business with submit_session_context, and continues onboarding toward the card. Never ask the person for an API key, password, SSN, EIN, bank account number, or card number.

## What Antal Is

The public homepage is for the person who wants a card for their agent. [Refer a company](https://antalcapital.com/refer) is for business brokers: Antal pays $1,000 per referred company, once that company has used its card limit and paid it back. A person still confirms a credit decision, a clear to close, and a wire.

The file-operations pages below describe the loan record the team already runs. They are not the pitch on the homepage.

## 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/): the first AI agent credit card, set up by a founder, owner, or individual and managed only by their agent
- [Refer a company](https://antalcapital.com/refer): the $1,000 flat referral fee for business brokers
- [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
- [Research](https://antalcapital.com/research): Credit at machine speed. Why agents will underwrite small, unusual businesses better and faster than people, Antal's frontier models for credit (research, match, repay), and why the card goes to the agent
- [About](https://antalcapital.com/about): company story and founding team
- [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)

## Founding team

- **Roberto Pernicone**, CEO / CTO and Founder: built loan-origination infrastructure that helped scale one private lender from $10M to $200M in annual originations; MBA and MIT Applied Data Science. roberto@antalcapital.com
- **Efstathios (Thomas) Prantalos**, GTM, Founding Team: 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)