Agentic Operating Companies

Building agentic
systems for
real operations.

AI-native businesses that remove operational friction from industries where documents, coordination, and workflows create drag.

AGENT FACTORY Mortgages .ai Lead Capture Doc Verify Under- writing Closings .ai Pipeline Visibility agentic SMB.ai Follow- up Agents running live
Quick lead response Follow-up, never missed 24/7 agent availability Same-day turnaround Zero dropped inquiries Quick lead response Follow-up, never missed 24/7 agent availability Same-day turnaround Zero dropped inquiries

Not software.
Operating companies.

We map high-friction workflows, deploy specialized AI agents at every bottleneck, and keep humans in control at every critical decision. The result is a complete operating model — not a feature.

3
Operating companies
15+
Specialized agents per product
85%
Average automation rate
24/7
Agent availability
01

Map the workflow

Every step, every handoff, every bottleneck in the target operation.

02

Place agents at friction

Specialized agents deployed where coordination overhead is highest.

03

Keep humans in control

Agents assist and surface. People review, decide, and direct.

04

Improve throughput

More volume. Less headcount growth. Better operational visibility.

Three products.
One philosophy.

01
Mortgages.ai

Agentic mortgage origination & operations

15 coordinated agents across lead intake, document processing, borrower communication, and pipeline visibility.

02
Closings.ai

Real estate closing coordination

Multi-party transaction management across buyers, sellers, agents, and title — from contract to close.

03
agenticSMB.ai

Modular agentic systems for SMBs

Coordinated agents across sales, service, and operations for growing businesses that need more without adding overhead.

AI should assist execution.
Not generate content.

We build operating companies — purpose-built for industries where the stakes are real and the workflows are complex. Not general AI tools. Not chatbots.

01

Vertical workflows create more value than generic chat.

02

Businesses adopt systems that reduce real labor and latency.

03

Human operators remain critical in trust-heavy industries.

04

Agentic systems are a new labor layer — not a replacement.

05

Responsible deployment means clear handoffs and oversight.

06

Companies that automate operational drag compound faster.

Built by operators
who worked the workflows.

Not a research project. A company built by people who have lived these operational problems firsthand.

V

Viraj Bhalla

Co-Founder & CEO

Deep background in mortgage and real estate operations. Built and scaled lending workflows before building systems to automate them.

R

Rishi Dutta

Co-Founder & CBO

Systems architect with experience deploying production AI workflows for high-stakes, document-heavy industries.

"

We are not building AI that generates content.
We are building AI that runs operations.

The Agent Factory — Founding Principle

Ready to explore
an agentic
operating system?

Lender, real estate team, SMB operator, investor, or potential partner — we want to hear from you.