Approved FDE field demo · July 24, 2026
Five human-gated AI agents. One $50M finish line.
A proposed operating system for Alan Baggett to source, warm, package, de-risk, and command a commercial-loan pipeline across Okaloosa and Walton counties by December 31, 2026.
Why now
Four signals shape the operating plan.
Verified anchor
$1.04BWilliams International campus
A new supplier and service ecosystem is forming around Shoal River Industrial Park.
Verified context
$46.4MQuarterly organic community-bank growth
The $50M production goal is material relative to the company’s reported second-quarter organic growth.
Planning inference
12 weeksPractical selling window
December closings need to reach packaging early enough for underwriting and closing cycles.
Proposed design
5 agentsOne accountable funnel
Each agent owns a measurable stage while every consequential action stays with a person.
01 · Pipeline math
The math has to work before the agents do.
Adjust the two largest planning assumptions. The calculator shows the production burden for a 12-week selling window.
Planning model only. Results are rounded up and do not represent credit approval, a forecast, or a commitment to lend.
Your current scenario requires
Quarterback’s benchmark is 1.5× the remaining production goal.
Base-case close plan
Front-load the funnel. Protect December.
| Month | Closings | Closed volume | Operating emphasis |
|---|---|---|---|
| August | 3 | $6M | Build and qualify |
| September | 5 | $10M | Build and qualify |
| October | 6 | $12M | Package the December book |
| November | 6 | $12M | Close and clear blockers |
| December | 5 | $10M | Close and clear blockers |
02 · The operating system
One funnel. Five distinct jobs.
Each agent owns a measurable stage. Every external action remains under Alan’s control, and every output becomes a teachable FDE artifact.
- 01
Scout
Market signal and prospecting
Fill the top of the funnel with 20 or more scored leads each week.
Core output
A Monday briefing with source-linked leads, estimated deal size, product fit, timing, and provenance.
Scoreboard
≥20 qualified leads/week · ≥$8M/month entering the funnel
Human gate
Alan chooses which leads enter outreach. Scout never contacts anyone.
- 02
Herald
Outreach and relationships
Convert signals and community presence into well-prepared first meetings.
Core output
Personalized drafts, event briefs, call scripts, and a next-touch plan for every relationship.
Scoreboard
≥10 first meetings/week · 100% meeting prep and follow-up
Human gate
Every outbound message remains a draft until Alan sends it.
- 03
Packager
Deal assembly and pre-underwriting
Reduce time from handshake to credit committee and improve pull-through with cleaner files.
Core output
Product-specific checklists, deterministic calculations, gap flags, and credit-memo skeletons.
Scoreboard
≤10 business days to complete package · ≥50% term-sheet pull-through
Human gate
Credit owns every decision. Borrower PII stays inside bank-approved systems.
- 04
Matchmaker
Incentives and programs
Screen major deals for guarantees, grants, and other capital-stack options.
Core output
A verified-versus-inferred memo covering SBA, USDA, Triumph, state, training, and local programs.
Scoreboard
100% of $1M+ deals screened · ≥30% with guarantee or grant pairing
Human gate
Program terms are confirmed with primary sources before a borrower sees them.
- 05
Quarterback
Pipeline command and mentor codex
Keep the $50M math honest while turning weekly practice into teachable FDE IP.
Core output
A weighted-pipeline dashboard, stalled-deal alerts, Friday brief, and weekly playbook chapter.
Scoreboard
Weighted pipeline ≥1.5× remaining goal · one playbook chapter/week
Human gate
Forecasts stay labeled as estimates. Alan reviews all management reporting.
03 · Priority market
Own the orbit around Shoal River.
Williams International’s investment is not one prospect. The planning thesis is that it creates a wider system of suppliers, subcontractors, machine shops, logistics, equipment, housing, hospitality, and services.
04 · Build order
Ship the scoreboard with the signal engine.
The sequence creates value from week one. Each two-week build can also become a module in Alan’s FDE mentor playbook.
- 01
Weeks 1–2
Scout + Quarterback
Start lead flow and the scoreboard on the same day.
- 02
Weeks 3–4
Herald
Turn approved signals into prepared relationship work.
- 03
Weeks 5–6
Packager
Move faster from interest to a complete, reviewable file.
- 04
Weeks 7–8
Matchmaker
Add the program and incentive layer to major opportunities.
Non-negotiable
Human judgment stays in the loop.
Alan approves
Every lead selected and every message sent.
Credit decides
Agents prepare drafts; the bank approves every deal.
Systems protect
Borrower PII remains inside bank-approved environments.
Sources prove
Verified facts stay distinct from planning inferences.
Sources and boundaries
Evidence where possible. Labels where judgment begins.
Public facts are linked below. Market sizing, conversion rates, ecosystem implications, and the $50M production scenario are planning assumptions—not promises or underwriting decisions.
- Home BancShares Q2 2026 earnings release (opens in a new tab)
Acquisition, organic loan growth, loan-to-deposit, margin, capital, and credit-quality context.
- State of Florida: Williams International announcement (opens in a new tab)
Shoal River location, investment scale, jobs, phases, and public partners.
- Williams International groundbreaking coverage (opens in a new tab)
Exact $1.04B figure, Phase 1 size and timing, and 336-job estimate.
- U.S. SBA SOP 50 10 (opens in a new tab)
Official origination policies and procedures for 7(a) and 504 programs.
Publication and use disclosure
The project owner confirmed Alan Baggett’s approval and applicable bank marketing/compliance review before public publication on July 24, 2026.
This is a proposed FDE operating design, not an offer to lend, credit approval, financial advice, or a representation that the five agents are currently deployed. All loans remain subject to the bank’s credit and property approval.
Five agents. One accountable funnel.
Prepared through the Good Combinator FDE Program.
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