The HB Capital Skills Suite

A set of Claude skills that turn each stage of a commercial real estate financing into a repeatable AI playbook.

Scholar's Mate final position with the move list and the three skills

Role

Role

Designer and builder

Year

Year

2026

Type

Type

AI workflow suite

Stack

Stack

AI: Claude Agent Skills, Claude Projects, scheduled agent runs Connected to: Microsoft 365 (Outlook), the HB Capital deal platform (Supabase), web research Process: Beta versions run side by side with production before they replace it

Status

Status

In daily use on live deals

Challenge

Every commercial real estate financing moves through the same stages. You find the sponsor, triage the package, build the needs list, check the numbers, write to lenders, chase replies, review the term sheet, and sometimes fight an appraisal. Each step takes hours of skilled work, and most of that is the same reasoning applied to a new file. The bottleneck wasn't knowledge. It was that every bit of judgment had to be applied by hand, from scratch, every single time.

What I Built

A suite of Claude skills, each one encoding a single stage of a deal as a playbook. The main pieces follow the order of play. White Pawn opens with a one-page triage of every new deal, Bishop builds the needs list, and Queen writes the outreach to lenders. Around them sits a bench of specialists. Einstein, Harvey and Sherlock check the numbers, the paperwork and the documents behind every deal; each is explained below. ROV and Grandmaster take on low appraisals, and Techdeck builds the placement package that goes to capital sources. Each skill knows exactly what its job is and what isn't, so they hand work to each other instead of overlapping. They work from the real deal file and inbox, not a pasted summary. And none of them gets the final word: Harvey prepares the file for counsel but never replaces counsel, Sherlock rates risk but never accuses anyone, and every draft waits for a person before it's sent.

11

Skills in the suite

8

Deal stages covered

0

Drafts sent without a person

White Pawn skill: one-page intake triage of an example deal
Bishop skill: needs list with received, requested and chase items

The Specialists

Einstein is the numbers desk. It opens the T-12, the rent roll, the operating statements, the sponsor's personal financial statement, the sources and uses and the pro forma, and rebuilds every figure from its parts instead of trusting the total at the bottom. It computes DSCR, debt yield, LTV, LTC, cap rate and yield on cost from the underlying inputs, then reports exactly what ties out and what doesn't, line by line. It runs beside the other skills so that no number reaches a lender until it has been rebuilt, but it never edits their work; it hands back the discrepancies. Harvey reviews the legal and financing paper: term sheets, LOIs, commitment letters, loan agreements, guaranties, fee agreements and intercreditor agreements. It produces two things. The first is a list of questions to put to the lender or its counsel. The second is a short escalation list for our own outside counsel, so their time goes to the clauses that matter. It also checks who a counterparty really is, whether a direct lender or a broker in the middle. Harvey is not legal advice and never replaces counsel; it prepares the file so counsel is faster and cheaper. Sherlock asks whether a document is what it claims to be: issued by the party it names, on the date it bears, and unaltered since. It works through bank statements, proof-of-funds letters, tax returns, leases, appraisals, title, insurance certificates, entity documents and lien waivers across five dimensions: dates and anachronisms, typography and structure, the internal logic of the content, signatures and seals, and file metadata. It reports critical red flags, high-risk discrepancies and an overall legitimacy risk rating. It never accuses anyone; a person decides what happens next.

Queen skill: lender outreach email waiting for review
Checkmate: term sheet signed and the deal moved to Processing
Skill in use
Tech Deck
A placement package, built from the deal file. Every word and figure is lorem ipsum; the layout, charts and model are the real thing.
01 / 12
Example placement package, slide 1 of 12Example placement package, slide 2 of 12Example placement package, slide 3 of 12Example placement package, slide 4 of 12Example placement package, slide 5 of 12Example placement package, slide 6 of 12Example placement package, slide 7 of 12Example placement package, slide 8 of 12Example placement package, slide 9 of 12Example placement package, slide 10 of 12Example placement package, slide 11 of 12Example placement package, slide 12 of 12
Skill in use
Harvey
Term sheets, loan agreements and guaranties go in. Out comes one page in plain English: what to ask the lender, and what to send to counsel.
Harvey brief
Mesa Ridge Townhomes
82 pages read→6 points
Ask the lender
§ 4.2 · Term Sheet1% exit fee in year one, none after. Does it apply to a refinance?
§ 7.1 · Term SheetTwo 6-month extensions, each re-tests 60% LTC. Confirm the cost basis.
Recital B · GuarantyThe counterparty is an arranger, not the direct lender. Ask who funds.
Escalate to counsel
§ 9.4 · Loan AgreementA default on any other sponsor loan defaults this one too.
§ 12.6 · Loan AgreementAny ownership change needs lender sign-off, at their sole discretion.
§ 2.1 · GuarantyFull recourse, not limited to carve-outs. Counsel reviews before signing.
Not legal advice. It prepares the file so counsel spends its hours on the clauses that matter.
Skill in use
Einstein
The T-12, the rent roll and the loan terms go in. Every figure is rebuilt from its parts instead of trusting the total, and what doesn't tie comes back line by line.
Einstein tie-out
Juniper Court Apartments
268 figures rebuilt→3 don't tie
FigurePresentedRebuilt
NOIT-12$912,400$886,200Off
$26.2K of repairs left out of the total
Expense ratioT-1233.9%33.9%Ties
OccupancyRent Roll93.8%93.8%Ties
Avg in-place rentRent Roll$2,450$2,385Off
Presented figure is asking rent, not in-place
DSCRLoan & Value1.22x1.19xOff
Carries the NOI gap through
LTVLoan & Value67.6%67.6%Ties
Einstein never edits the other skills' work. It hands back what doesn't tie.
Skill in use
Sherlock
Bank statements, proof-of-funds letters, leases and title go in. Each one is tested on five dimensions for whether it is what it claims to be, and comes back with a risk rating a person can act on.
Sherlock report
Bank statement · March 2026
1 red flag2 discrepancies
1
Signatures & sealsClear
Bank mark and routing details match the named issuer.
2
Internal logicClear
Opening + deposits − withdrawals equals the ending balance.
3
Typography & structureDiscrepancy
Ending balance is set in a different typeface from every other figure.
4
Dates & anachronismsRed flag
Statement period ends Mar 31, but one posting is dated Apr 2.
5
File metadataDiscrepancy
Exported by the bank's system, then re-saved in a PDF editor 9 days later.
Legitimacy riskHigh
LowModerateHigh
Next step: request the statement directly from the bank.
Sherlock never accuses anyone. A person decides what happens next.

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