# /money — AI Capital Matching by Freedman Capital Group

Need capital? Install this plugin and let your AI find it for you. Describe your deal — business loan, commercial real estate, residential mortgage, or asset tokenization — and get matched to the right capital provider through Freedman Capital Group's private network. No forms. No portals. Just a conversation with your AI.

Works with **Claude Code**, any **MCP-compatible AI client**, or as a standalone **agentic AI tool**.

---

## What This Does

`/money` turns your AI assistant into a capital intake specialist. It:

1. **Identifies** what kind of capital you need (business loan, commercial RE, residential, tokenization)
2. **Interviews** you conversationally — no forms, no portals
3. **Scans your deal folder** automatically if you have documents (purchase agreements, rent rolls, financials)
4. **Handles disclosures** and compliance (TRID-safe for residential, securities notices for tokenization)
5. **Submits** your deal to FCG's matching engine
6. **Tracks** your submission status

All matching, routing, and lender intelligence stays server-side. Your AI never sees the lender database.

---

## Products Supported

| Product | What It Covers | Timeline |
|---------|---------------|----------|
| **Unsecured Business Capital** | Lines of credit, term loans, MCAs, revenue-based financing. No collateral. | 24–72 hours |
| **Commercial Real Estate Debt** | Acquisition, refinance, bridge, construction, rehab. Multifamily 5+, office, retail, industrial. | 3–7 business days |
| **Residential Debt** | DSCR, fix-and-flip, bridge, rental portfolio, home purchase, refinance. Investor and owner-occupied. | 1–3 business days |
| **Asset Tokenization** | Tokenize real estate, precious metals, invoices, debt instruments into digital securities. Raise capital or borrow against tokenized positions. Powered by [Zoniqx](https://zoniqx.com). | 3–5 business days |

---

## Quick Start

### Prerequisites

- **Node.js 20+** — [Download](https://nodejs.org)
- **Claude Code** — [Install](https://docs.anthropic.com/en/docs/claude-code/overview)

### Install

```bash
npx money install
```

This does three things:
1. Opens your browser for a quick email signup (no password, magic link)
2. Installs the `/money` skill into Claude Code
3. Registers the MCP server so Claude can talk to FCG's backend

### Verify

```bash
npx money status
```

You should see:
```
  Skill:      installed
  Auth:       you@email.com
  MCP Server: registered
```

### Use It

Open Claude Code in any project and type:

```
/money
```

That's it. Claude will walk you through the intake.

---

## How the Interview Works

The intake is **conversational**, not a form. Claude will:

1. Ask what you're looking for (or detect it from your files)
2. Gather the minimum required fields for your product type
3. Present legally required disclosures (verbatim from the server)
4. Submit your deal to the matching engine
5. Give you a reference number and expected timeline

### For Residential Deals (TRID Compliance)

Residential intake is **range-based only** — this is a matching service, not a credit application. Claude will never ask for:
- Your SSN
- Exact property address (city/state only)
- Exact income, property value, or loan amount (ranges only)

This keeps the intake TRID-safe (no Loan Estimate obligation triggered).

### For Tokenization Deals

Claude will ask about:
- Asset type (real estate, precious metals, invoices, debt)
- Your tokenization goal (raise capital, increase liquidity, borrow against)
- Ownership structure and compliance readiness
- Estimated value range and timeline

A licensed tokenization provider reviews your submission and proposes a structure.

---

## Deal Folder Scanning

If you run `/money` in a directory that contains deal files, Claude will **automatically detect them** and offer to review. This saves time — Claude extracts deal parameters from your documents instead of asking you to type everything.

### What It Looks For

**Real estate files:**
- Purchase agreements, contracts, PSAs
- Listings, MLS sheets
- Appraisals, BPOs
- Rent rolls
- Operating statements, T12s, P&Ls
- Inspection reports
- Insurance, title, survey docs

**Business files:**
- Bank statements
- Tax returns (1040, 1065, 1120)
- Financial statements, balance sheets
- Business plans, pro formas
- Entity docs (operating agreements, articles)

**Communication:**
- Emails from brokers/lenders (`.eml`, `.msg` files)

### How to Organize Your Deal Folder

For best results, put your deal files in one folder and run `/money` from there:

```
my-deal/
  purchase-agreement.pdf
  rent-roll-2025.xlsx
  operating-statement-t12.pdf
  inspection-report.pdf
  bank-statements/
    jan-2025.pdf
    feb-2025.pdf
    mar-2025.pdf
```

Then:
```bash
cd my-deal
claude
# type: /money
```

Claude will say something like: *"I see what looks like a deal folder — there's a purchase agreement, rent roll, and some bank statements. Want me to review these to get a read on your deal?"*

### Privacy

- Claude **never reads your files without explicit permission**
- Document summaries are sent to the server — **never raw PII**
- For residential deals, exact addresses and values are converted to ranges before transmission
- SSNs, account numbers, and personal identifiers are always stripped

---

## For Agentic AI / Autonomous Agents

This plugin exposes a standard **MCP (Model Context Protocol)** server. Any AI agent that speaks MCP can use it — not just Claude Code.

### MCP Tools Available

| Tool | Purpose | Input |
|------|---------|-------|
| `get_product_types` | List available product categories | (none) |
| `create_intake_session` | Start a new intake session | `productType`, `contactEmail`, `contactName` |
| `upload_document` | Attach document summary to session | `sessionId`, `documentType`, `summary` |
| `get_required_disclosures` | Get required legal disclosures | `productType`, `state` |
| `submit_lead` | Submit completed intake | `sessionId`, `intake` (structured data) |
| `check_status` | Check status of a submitted request | `referenceId` or `email` |

### Getting Your API Token

Run the installer once — it signs you up via email (magic link, no password) and saves your token locally:

```bash
npx money install
```

Your token is saved to `~/.claude-money/config.json`. To view it:

```bash
cat ~/.claude-money/config.json
```

### Running the MCP Server Directly

```bash
# Set your API token (from the config file above)
export CLAUDE_MONEY_API_KEY=your-token-here

# Start the MCP server (stdio transport)
node src/mcp-server/index.js
```

### Connecting from Other MCP Clients

Add to your MCP client configuration:

```json
{
  "mcpServers": {
    "money": {
      "command": "node",
      "args": ["/path/to/money/src/mcp-server/index.js"],
      "env": {
        "CLAUDE_MONEY_API_KEY": "your-token-from-config"
      }
    }
  }
}
```

### Agentic Workflow Example

An autonomous agent can run the full intake without human interaction:

```
1. Call get_product_types → identify the right product
2. Call create_intake_session → get a sessionId
3. Call upload_document (for each doc) → attach summaries
4. Call get_required_disclosures → get disclosure text
5. Present disclosures to the user and get acknowledgment
6. Call submit_lead → submit the complete intake
7. Call check_status → monitor progress
```

> **Important:** Disclosures must be presented to a human and acknowledged before submission. Autonomous agents cannot skip this step.

---

## Project Structure

```
money/
  bin/
    claude-money.js        # CLI installer (npx money install/uninstall/status)
  src/
    mcp-server/
      index.js             # MCP server — exposes tools via stdio
      api-client.js        # HTTP client for FCG backend (handles auth + refresh)
  skills/
    money.md               # /money skill definition — the conversation layer
  package.json
  README.md
```

### What Each Piece Does

- **`skills/money.md`** — The brain. This is the system prompt that tells Claude how to conduct the intake interview, what to ask, what not to ask, how to handle compliance, and what tone to use. It's the skill definition that gets installed into `~/.claude/skills/`.

- **`src/mcp-server/index.js`** — The transport. An MCP server that exposes six tools (listed above). Claude calls these tools to interact with FCG's backend API. Runs as a subprocess managed by Claude Code.

- **`src/mcp-server/api-client.js`** — The HTTP client. Handles authentication, token refresh, and all API calls to `api.freedmancapitalgroup.com`. You never interact with this directly.

- **`bin/claude-money.js`** — The installer. Handles the browser-based signup flow, copies the skill file, and registers the MCP server with Claude Code.

---

## Commands

| Command | What It Does |
|---------|-------------|
| `npx money install` | Sign up + install skill + register MCP server |
| `npx money uninstall` | Remove everything (skill, MCP server, config) |
| `npx money status` | Check what's installed and your auth status |
| `npx money help` | Show available commands |

---

## Environment Variables

| Variable | Required | Description |
|----------|----------|-------------|
| `CLAUDE_MONEY_API_KEY` | No | Override auth token (for dev/testing or headless agents) |
| `CLAUDE_MONEY_API_URL` | No | Override backend URL (defaults to `https://api.freedmancapitalgroup.com`) |

---

## FAQ

**Who is this for?**
Anyone who needs capital — business owners, real estate investors, property owners looking to tokenize, homebuyers. If you use Claude Code or any AI assistant, this plugin lets your AI do the legwork of finding the right lender.

**Is this a loan application?**
No. This is a matching service. We collect enough information to route your deal to the right capital provider. A licensed lender handles the formal application if you choose to move forward.

**Does it pull my credit?**
No. No credit report is pulled during intake. Ever.

**What does it cost?**
Free for borrowers. Freedman Capital Group earns a fee from the capital provider when deals close.

**Can I use this without Claude Code?**
Yes. The MCP server works with any MCP-compatible client. You can also run it programmatically for agent workflows.

**Is my data safe?**
Document summaries are transmitted — never raw files. For residential deals, all values are converted to ranges. SSNs, account numbers, and exact addresses are never collected or transmitted.

---

## For Lenders & Capital Providers

If you're a lender, investor, or tokenization provider and want to receive matched leads through this network:

**[Join the FCG Provider Network](https://api.freedmancapitalgroup.com/providers/join)**

Set your criteria, sign a comp agreement, and start receiving pre-screened leads that match your programs.

---

## Support

- **Email:** joshua.freedman@freedmancapitalgroup.com
- **Phone:** 412.951.3882
- **Website:** [freedmancapitalgroup.com](https://freedmancapitalgroup.com)

---

*Freedman Capital Group, LLC. NMLS information available upon request. This tool is for matching purposes only and does not constitute an offer to lend. Asset tokenization services provided through licensed third-party providers. Digital securities offerings are made only to qualified investors.*