The Problem
Private credit is growing 15% YoY but funds can't deploy faster. Eight humans touch every file. Operating cost exceeds $3,500 per loan. More than 14 days from application to funded.
The Solution
AI-native agent stack configured to each lender's credit box. Guideline Copilot, origination through underwriting with a deterministic kernel, orchestration in parallel. Term sheet in 3 minutes. Funded in hours.
Traction
- 2 · Lenders onboarding, 10 loans/month
- $240K · ARR under contract
- $120K · Average ARR per lender
- Design partner · RTL/DSCR lender, $180M+ AUM, investing in round
GTM
$1.6M ARR in pipeline during first week · 90% conversion from first call to contract · under 60 min lender onboarding.
The Ask · $2M Pre-Seed SAFE
$600K founding team · $1.2M enterprise sales · $200K licenses & compliance.
Milestones: M3 · $1.1M ARR · M6 · $6.8M ARR · M12 · $11M ARR, Series A ready.
Team
Roberto Pernicone · CEO: Scaled private credit originations $10M to $200M. 2nd-time founder.
Zac Denham · CTO: Built Shortcut AI agent at Fundamental Research Labs. YC S18 exit.
Efstathios Prantalos · GTM: Scaled lending sales $0 to $1M. Lender-direct enterprise motion.