We build companies where the machines do the work.
Operandi Holdings builds and operates a portfolio of businesses run by AI agents, with a single human at the helm. We don't sell software. We do the work, charge market rates, and keep the margin that headcount used to eat. Our first firm packages SBA loans. The fiftieth won't. The product is the portfolio, and the playbook for running it.
Every service firm is a labor cost wearing a brand. We removed the labor cost.
We operate. We don't sell software.
No enterprise sales cycle, no seats, no convincing anyone to adopt AI. Customers buy a finished service at the market price they already pay today. The agents are our cost structure, not our pitch. Revenue arrives per unit of work, from week one.
One substrate, many firms.
Document intake, rules engines, financial spreading, quality gates, and audit-grade record keeping form a shared operating core. Each new workload reuses most of the machine. The first firm is the hardest; every firm after it is a configuration.
Cash flows buy the next workload.
Margins that headcount-based competitors cannot reach become capital for the next firm: built from scratch or acquired and converted. A holding company where operating leverage comes from agents. Berkshire's structure, Operandi's cost curve.
One firm at a time. Each one proves the engine again.
What a day inside an autonomous firm looks like.
Every Operandi firm runs the same way: agents execute the work, a human signs it, revenue books per unit. Here is that pattern in firm #1, following one SBA loan file. Swap the file for an invoice, a claim, or a tax return, and you have firm #2.
Intake
A community bank sends a borrower's raw documents: tax returns, financial statements, debt schedules, licenses. Agents classify, extract, and index every page in minutes.
Eligibility screen
Agents test the deal against SBA's rulebook (SOP 50 10): size standards, use of proceeds, affiliation, credit elsewhere. Problems surface on day one, not at closing.
Financial spreading
Three years of financials normalized, ratios computed, repayment ability documented in the lender's format. The work a junior analyst spends days on, done before lunch.
Package assembly
The complete, guarantee-safe file is assembled against the live checklist: every form, every exhibit, every signature flagged. Nothing missing, because checklists are what machines never skip.
The human gate
One experienced human reviews every file before it ships: a 20-year software veteran who built JP Morgan's syndicated loan systems, applying judgment where judgment belongs. Agents do the work; a human signs it.
Deliver and book revenue
The lender receives a submission-ready package in days, not weeks, and pays the standard per-file fee. Our cost was compute. The difference is the business model.
Working system built: agent pipeline with a fail-closed human gate and a tamper-evident, hash-chained evidence log on every file. Deterministic where correctness matters: the math is computed, never generated.
66 target banks pain-ranked from the SBA's own loan-level FOIA data (374,000 rows), with named lending officers. First pilot offers out June 2026: two free files, run in parallel with the bank's current process.
Agent reliability crossed the production bar within the last year. The AI money in this market sells software to lenders; nobody operates for the 98% too small to buy software. Open seat, closing in quarters, not years.
What your bank gets: submission-ready SBA files, in days, at the price you already pay.
You send the borrower's raw documents. We return a complete, guarantee-safe 7(a) package: eligibility screened against SOP 50 10, financials spread, every checklist item closed, reviewed and signed by an accountable human. You keep the borrower relationship and the loan. We handle the paperwork that was keeping you out of the program.
Days, not weeks
Packages delivered in days instead of the three-week industry standard. Your borrower closes faster; your team never builds an SBA back office.
Standard rates, or less
Market LSP rates on standard files, and a $750 tier for the small-dollar loans no packaging shop wants. Lender-paid only, per SBA rules. Your first two files are free, run in parallel with your current process.
Nothing missed, everything logged
Every file carries a complete, tamper-evident record of every check performed: ready for your credit committee, your auditor, and your examiner. A named reviewer signs every package.
Building the first firm now.
We are early and deliberate. If you run SBA lending at a community bank or credit union, invest in autonomous operations, or have walked the lender-services road before, we would value a conversation.
Who we are talking to
- Community bank and credit union lending leaders exploring SBA volume
- Investors in AI-native operations and services
- SBA veterans: former LSP operators, BDOs, and packagers
- Engineers building agent systems for regulated work