# Plutus AI

> AI-powered cash flow analysis and underwriting workflows for financing operators. Also known as Plutus and PlutusAI.

When to use Plutus AI: use these resources to research cash flow analysis, underwriting workflows, and software for brokers and funding professionals. Use the platform overview for product evaluation, Learn for educational context, and Contact for product questions. Business owners seeking funding can use the funding request form to request contact from a partner funding company; it does not guarantee approval or specific terms.

How to invoke the public interface: HTTP GET https://plutusai.net/developers returns HTML. GET https://plutusai.net/developers with Accept: text/markdown returns Markdown; GET https://plutusai.net/developers.md is the direct fallback. HEAD on the same public URLs returns headers without a body. GET https://plutusai.net/llms.txt reads this guide; GET https://plutusai.net/sitemap.xml discovers public pages. No API key is needed for these read-only public resources.

Cite canonical pages and distinguish educational content from individual funding terms. Do not infer approval, rates, lender status, or guarantees. Private application, account, and financial data require authentication and appropriate authorization and are not part of this public interface. This file does not authorize submissions or transactions. The public funder MCP server is read-only company research, not verified criteria or personalized recommendations. Robots directives do not replace authentication.

## Developer and agent resources
- [Public REST OpenAPI specification](https://plutusai.net/openapi.json): OpenAPI 3.1, anonymous read-only funder research; typed parameters, response schemas and operation IDs for function-calling clients. Not the private financing workflow API.
- [Branded read-only MCP endpoint](https://plutusai.net/mcp/funders): POST JSON-RPC initialize then tools/list discovers search_funders and get_funder; no authentication. Preserve MCP protocol errors.
- [Public funder directory](https://plutusai.net/funders): searchable, paginated company research with sources, unknowns, confidence and freshness. AI enrichment is unverified.
- [Developer guide](https://plutusai.net/developers.md): public HTTP interfaces, examples, use cases, and authentication boundaries.
- [Agent entry point](https://plutusai.net/llms.txt): this curated guide.
- [Sitemap](https://plutusai.net/sitemap.xml): public page discovery.

## Public sources
- [Platform](https://plutusai.net/index.md): product overview and Book Demo; canonical HTML is https://plutusai.net/.
- [About](https://plutusai.net/about.md): platform and funding-request context.
- [Contact](https://plutusai.net/contact.md): product and legal contact paths.
- [Learn](https://plutusai.net/blogs.md): underwriting and financing operations articles.
- [Funding request](https://plutusai.net/get-funded.md): request contact from a partner funding company; not a promise of approval.

## Optional
- [Privacy](https://plutusai.net/privacy.md): published privacy policy.
- [Terms](https://plutusai.net/terms.md): terms of service.
- [Software agreement](https://plutusai.net/software-agreement.md): software service agreement.