What if your encore is the first AI-native lender?
You built the last category leader on headcount. This one can run on agents.
Call Nik 412.320.1130 →or ceo@100x.inc
encorefinance.com · your projects, your photography
scroll
our read
Three things stood out.
01 · the arc
Beth's third lending platform, built from scratch.
source: Beth's LinkedIn + encorefinance.com
02 · the velocity
A billion closed in year one. "The hardest one."
source: Beth's LinkedIn post, 2025
03 · the promise
Lifecycle lender. One borrower, every project, for years.
source: encorefinance.com
Off-read? 412.320.1130 sets us straight.
built for your table
Written for the people who run Encore.
Forward it. Every seat at the table has a desk in here.
Beth O'Brien
Founder & Chief Executive Officer
The growth story without the headcount line.
Brad Chmura
Chief Operating Officer
The floor stops being the bottleneck.
Robert Cestari
Chief Financial Officer
Volume scales. The expense line does not.
John Prins
Chief Revenue Officer
Originators sell. Agents carry the paperwork.
Angie Sinewick
Managing Director, Head of Underwriting
The credit box, enforced on every file.
Michael Minck
Chief Legal Officer
Every action logged. Every decision traceable.
names, roles + photos: encorefinance.com/team
in Beth's words
Beth already named the trap.
"Your business is supposed to break at certain stages of growth."
Beth's takeaway, Luminary salon, Apr 2026
Last time, every break got fixed with another desk.
"The key is understanding how to find the right capital per loan."
Beth's Lender Lounge conversation, Geraci
That is a data problem before it is a people problem.
"Encore Finance is growing... hiring Loan Originators!"
Encore LinkedIn, Dec 2025
Hire the originators. Let agents scale behind them.
the framework
Your lifecycle promise, run as a flywheel.
Every turn of the wheel, agents carry the paperwork.
Your people keep the borrower for life.
imagine · origination
Imagine if every file arrived underwrite-ready.
Broker package · 12-unit SFR portfolio · Charlotte
extracted while you read this
track record14 exits verified
budgetparsed · 11 line items
DSCR1.31 recomputed
for a human2 items flagged
imagine · draws
Imagine draw day as one text thread.
E
Encore Draws
agent · on duty
Draw #4 on 1208 Maple: inspection matched 11 of 11 line items. Wire staged.7:02 AM
Approve. What about 88 Beacon?7:04 AM
Held it. Photo set is short on panel work. Reinspection already requested.7:04 AM
Borrower update drafted: "Draw 4 approved, wire on the way." Send?7:05 AM
Send it.7:05 AM
imagine · the book
Imagine if the book watched itself.
7 bridge loans mature within 60 days
3 extension-likely · terms pre-checked
Payoff quote · 4521 Crestview
per-diem current · awaiting your release
Insurance lapse scan
312 loans checked overnight
June tape · capital match run
every loan routed to best-fit facility
the architecture
What would you name it? Mine is called Sasha.
Sasha runs Nik's pipeline and drafted this page. Yours would run four desks.
________ · your name for it
It works for Encore. It should sound like Encore.
Intake
Reads broker packages, builds underwrite-ready files.
Draws
Reconciles inspections to budgets, stages wires.
Portfolio
Watches maturities, payoffs, taxes, insurance nightly.
Capital
Matches loans to facilities, builds tapes, drafts reporting.
receipts
A lender already runs this way.
"Without 100x, Home.LLC would have failed. With 100x, we replaced 100+ originators, underwriters, and servicers with a single AI agent "Sophie" and analyzed 100M+ properties nationwide to find the best investment targets. That's why, I spun out 100x so you can build on our successes."
Nik Shah, Chief Executive Officer · Home.LLC
"Thank you! Couldn't have done this without your kick-ass team. They absolutely crushed it!"
Felix Yeung, Product Leader · Opendoor
"Thank you for not just replicating, but improving our workflow. Love your proactive thinking!"
Laura Guilbert, Operations Lead · Mainstay
Audit log on everything. Your capital partners can read it line by line.
Your people decide. Agents prepare every credit call.
Your data stays yours. The moat compounds with every loan.
Citations, not vibes. Every number traces to a document.
the question
Opposed to exploring further?
Human CEO
Nik Shah
2013-2019Ernst & Young. Entry level to Chief of Staff to the Board.
2019-2025Home.LLC. Housing finance co, now 99% AI-managed by "Sophei".
2023-2024iSquad/SPS. Scaled and sold a staffing company.
2025-now100×. Building custom AI agents for businesses.
Featured in WSJ, Fortune, Axios, and 50+ publications. Called "the most accurate housing market forecaster in America."