Antal emerged from stealth with an autonomous AI agent stack designed for private credit lenders. The company said lenders are already originating more than $30 million per month in aggregate on Antal’s agents without adding operational headcount.
Antal is focused on the private credit market, which has grown to more than $3 trillion in assets under management. The company said many lenders still run core lending workflows through emails, PDFs, spreadsheets, borrower follow-ups, third-party vendors, and manual underwriting queues.
Antal was built to modernize that operating layer. The platform enables lenders to encode their credit box once, including policies, rate cards, approval rules, and exception logic.
Specialist agents then run each file from the first borrower message to funding, while maintaining each step in one audit-ready record.
Antal’s agents can size borrower requests, check them against the lender’s encoded credit box, prepare conditional term sheets, collect documents, coordinate third-party checks, flag exceptions, and assemble loan files for underwriting.
The company said human teams remain in control of credit decisions, declines, overrides, funding approvals, and other irreversible gates.
Antal is initially focused on private lenders operating in fix-and-flip, DSCR, bridge, and ground-up construction lending. These lenders often have capital available to deploy but face operational constraints as loan volume increases.
By automating coordination-heavy workflows, Antal aims to help lenders increase origination volume without increasing headcount at the same pace.
The platform also provides a clearer view of borrower communication, guideline application, document status, exceptions, approvals, and funding history through one operating record.
Antal said it is a technology company. Loans are originated through licensed lending partners, and all loans remain subject to credit approval.
KEY QUOTE:
“Private credit has scaled as an asset class, but the workflow underneath it has not kept up. Lenders do not need another system that tells their team what task is next. They need agents that can execute the work between human decisions while preserving the lender’s guidelines, brand, controls and audit trail. Every lending decision needs accountability. The purpose of Antal is not to remove judgment from private credit. It is to remove the repetitive coordination work that slows judgment down.”
Roberto Pernicone, Co-Founder and CEO of Antal
