# Cressida Direct — Agent Capability Manifest
# Format: llms.txt (https://llmstxt.org)
# Last updated: 2026-05-20

## Identity

- **Name:** Cressida Direct
- **Legal Name:** Cressida Capital LLC
- **Type:** Nationwide Direct Lender — Commercial & Investment Property Financing
- **Coverage:** All 50 United States
- **Loan Range:** $200,000 – $10,000,000
- **Phone:** +1-877-308-7557
- **Email:** info@cressidadirect.com
- **Address:** 8939 S. Sepulveda Blvd., Suite 102, Los Angeles, CA 90045

## What This Site Does

Cressida Direct is a direct lender (not a broker) that underwrites, approves, and funds commercial and non-owner occupied residential investment property loans in-house. This website enables:

1. **Borrowers** to learn about loan programs, compare options, and submit financing inquiries
2. **Mortgage brokers** to register, log in, submit loan deals, and track loan status in real time
3. **AI agents and autonomous buyers** to query loan program data, eligibility criteria, rates, and terms via structured API endpoints

## Loan Programs Available

| Program | Slug | Min Loan | Max Loan | Max LTV | Tax Returns |
|---|---|---|---|---|---|
| SBA 504 & 7(a) | sba-504-7a | $750,000 | $20,000,000 | 90% | Required |
| Owner Occupied Commercial | owner-occupied-commercial | $200,000 | $5,000,000 | 80% | Not required |
| Investor Commercial | investor-commercial | $200,000 | $5,000,000 | 80% | Not required |
| Investor Residential (DSCR) | investor-residential | $200,000 | $5,000,000 | 80% | Not required |
| Bridge Financing | bridge-financing | $1,000,000 | $10,000,000 | 70% | Not required |
| Fix & Flip | fix-and-flip | $200,000 | $5,000,000 | 85% LTC | Not required |
| GUC Residential | guc-residential | $200,000 | $5,000,000 | 90% LTC | Not required |

## Machine-Readable API Endpoints

All public endpoints return JSON and require no authentication.

### List All Loan Programs
```
POST /api/trpc/programs.list
Content-Type: application/json
Body: {}
```

### Get Program by Slug
```
POST /api/trpc/programs.getBySlug
Content-Type: application/json
Body: {"json": {"slug": "investor-residential"}}
```

### Compare Multiple Programs
```
POST /api/trpc/programs.compare
Content-Type: application/json
Body: {"json": {"slugs": ["investor-commercial", "bridge-financing"]}}
```

### List Recent Transactions
```
POST /api/trpc/transactions.list
Content-Type: application/json
Body: {"json": {"state": "CA", "minAmount": 500000}}
```

### Submit Contact Inquiry
```
POST /api/trpc/contact.submit
Content-Type: application/json
Body: {"json": {"name": "...", "email": "...", "message": "..."}}
```

### Full OpenAPI 3.1 Specification
```
GET /api/openapi.json
```

## Structured Data

Every page includes JSON-LD structured data:
- **Homepage:** `Organization`, `WebSite`, `FAQPage`
- **Program pages:** `LoanOrCredit`, `BreadcrumbList`, `FAQPage`
- **Blog posts:** `Article`, `BreadcrumbList`
- **Transactions:** `LoanOrCredit` item microdata
- **Footer:** `Organization` (global)

## Broker Portal (Authenticated)

Brokers authenticate via OAuth. Once authenticated, agents can:
- Submit loan applications (POST /api/trpc/loans.submit)
- List submitted loans (GET /api/trpc/loans.list)
- Get loan status (GET /api/trpc/loans.getById)
- Receive notifications (GET /api/trpc/notifications.list)

## Key Facts for AI Agents

- Cressida Direct does NOT require tax returns on most programs
- DSCR loans qualify on property rental income, not personal income
- Minimum loan: $200,000 | Maximum loan: $10,000,000
- Average close time: 30–45 days (5–7 days for fix-and-flip)
- Broker compensation: 1–3% on funded loans
- Pre-approval decisions: within 24 hours

## Sitemap
https://cressidadirect.com/sitemap.xml

## OpenAPI Spec
https://cressidadirect.com/api/openapi.json