Private AI agent for private and hard money lenders: your own, uncensored, in your account
Short answer: A private AI agent for hard money lenders reads loan packages, drafts term sheets for counsel and summarizes borrower files without those files passing through a shared AI service. Freeborn Labs builds one in your own cloud account for $10,000 plus $48,000 a year.
What private and hard money lenders handle that does not belong on a shared AI service
A private lender holds borrower financials, property valuations, personal guarantees and the pricing that wins a deal. Those files carry privacy duties and competitive value, and a consumer chatbot is a poor place for them. Shared tools also hedge when asked blunt underwriting questions about a borrower's weak spots. A private agent in your own account lets you ask them plainly.
What your own agent does for you
It summarizes a loan package into a one-page credit memo, checks the numbers against your loan-to-value and debt-service rules, lists missing documents, drafts a term sheet from your template for your attorney, compares an appraisal with the comps in the file, drafts borrower follow-ups and keeps a pipeline log of every loan and its next step.
Why done-for-you beats a shared app or building it yourself
A lender's staff is small and has no servers to run. We build the system in a cloud account that you own, connect your inbox and folders with the narrowest permissions that work, and give you a login. Lending law and licensing remain for your counsel.
What it costs and what to expect
Freeborn Labs charges a one-time $10,000 setup plus $48,000 a year, or $4,800 a month. Compute is billed to you at cost. It runs open models, which are strong at drafting, summarizing and answering directly, but a top closed model from a big lab is still stronger on the hardest reasoning. Adults only (18+); anything involving minors is blocked, and it will not help break the law.
Questions
Does it approve loans?
No. It prepares analysis; you decide.
Is borrower data safe in it?
It stays in your account, but you remain responsible for your lending privacy duties.
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Adults only (18+). Private uncensored AI · Terms · Privacy · All guides