SKUMU IS LIVE — JULY 2026
More than a trillion dollars a year moves through American public programs — housing, energy, infrastructure, grants and incentives — governed by written rules, published scores and records that anyone may inspect but no one can actually read. The logic of those decisions is scattered across regulations, staff reports, scoring sheets, prior rounds and the memory of people who have spent whole careers inside the system.
For as long as the money has existed, the only way to learn how it really moved was to lose some finding out. The attorney assumed the consultant had it. The consultant assumed the public-affairs firm had it. The firm assumed you knew. Nobody had it, and the answer arrived as a PDF the agency posted at the end, six months and six figures too late.
Skumu reads the record and reconstructs the decision while the deal is still alive.
01 / WHY NOW
The record was always public. It was never readable. The rules that govern a single competitive housing program run to thousands of pages, and they change every cycle, and behind them sit years of applications, staff reports and award lists that explain how the program actually behaves — a body of evidence no team of humans could hold in their heads, which is why the people who could hold the most of it became the most expensive people in the industry.
AI changed what "readable" means. For the first time, the entire record of how public money moves can be read, structured and held open for inspection — not summarized by a chatbot, but rebuilt into a working model of the decision itself. The material was waiting. The instrument just arrived.
Whoever structures that record first gets something nobody can shortcut: a head start that compounds with every round the government publishes.
02 / THE RECEIPT
A real $47.6 million affordable-housing application in Los Angeles. We gave Skumu the application and the rules. Not the result.
GO.Sherman Way · Tax-credit financing · $47.6M
Skumu score 73.468% · Agency published final 68.818% · Funded — CA-24-044
31 requirements checked · 9 evidence items verified · Every line traces to source
Skumu's number is the score the application earned under the written rules. The agency's number is its final figure after the adjustments agencies make, and the record shows exactly where the two diverge and why. A system that can explain the difference is worth more than one that hides it.
03 / THE REFUSAL
When we rebuilt California's tax-credit scoring system from the source regulations, we tested it the hard way — by rerunning published applications from their raw inputs and comparing our number to the number the state printed. The engine reproduces those published scores to the decimal, a miss of exactly 0.000. And when it cannot reproduce an agency's math, it does not guess. It declines to answer until the record supports one.
Most AI begins with a question and returns a sentence. Skumu begins with the record and returns a determination — with the regulation, the document and the date behind every line on the screen.
04 / THE GATE
A project enters the system as a question with real consequences: should this team spend another dollar?
Sherman Way · $47.6M · 31 requirements · 9 evidence items
The operator sees readiness and the cost of continuing.
Self-score final 73.468%
applicant §10325(c)(9) · reproduced by Skumu
Agency-review delta −4.650 pts
CTCAC staff report CA-24-044, p.4
Next move Upload the CTCAC 9% allocation letter
Outstanding in our records · finance
Skumu produces a go, conditional-go or no-go determination, then opens the determination for review. The operator sees readiness and the cost of continuing. Legal sees the governing rule, the source and the unresolved risk. PAP sees the stakeholder, outreach and political work that can still change the outcome. Consultants and grant writers see the competitive position and the work required to improve it.
This is not a dashboard showing everybody the same information. It is one decision record, viewed by the people who hold different responsibilities for making the project real.
05 / THE MACHINE
Public capital does not move according to a static rulebook. Programs change, thresholds shift, tie-breakers decide and even the strongest applications can lose to stronger fields. A published award is not just an announcement. It is new evidence about how the decision system behaved.
Skumu studies that evidence through what we call outcome calibration. Every round an agency publishes makes the record deeper, so the next opportunity is considered against a fuller account of how the money has actually moved. Deterministic rules keep the system anchored to what agencies require. AI makes the growing record usable at a scale no firm has ever attempted.
This is the part that compounds. The rules are public and anyone can read them now. The structured history of how those rules have actually decided — round after round, program after program — is being built in one place, and it gets harder to catch every time an agency publishes.
06 / THE TERRITORY
Affordable housing is live today because it is the hardest version of the problem: dense regulations, competitive scoring, expensive specialists, hard deadlines and a public record rich enough to learn from. It is also a fraction of the territory. The same structure — written rules, published outcomes, public money and a team that has to decide whether to pursue it — repeats across energy, infrastructure, transportation, broadband, climate programs and the incentive systems of fifty states.
Skumu's architecture has already run in two of those markets. California tax-credit housing is live on real applications today. Before that, the same machine ran EV-charging work inside a California Energy Commission program — GFO-24-612, a matter of public record. A new market is a new corpus on the same machine — not a new company, not a rebuild, not a pivot.
Nobody has ever been positioned to read all of it at once. That is the company we are building.
07 / OUT OF STEALTH
Skumu is live at app.skumu.ai and the first pilot teams are bringing their own California deals into the system now — real applications, reviewed against the rules, the project record and the competitive evidence that exists before an agency makes its final call. The product is ready to be seen because it has something more useful than a demo: it has a way of showing its work.
08 / THE FOUNDER
Jon Alain Guzik spent more than two decades building and operating companies that ran on grants, incentives, public programs and regulatory approvals. He hired the right people — attorneys, consultants, grant writers and public-affairs teams — and learned the hard way that talent was never the problem. The problem was that no one could see the whole decision, while the operator stayed responsible for spending the money and living with the result.
The first version of Skumu was a tracker he built to answer one question before the next filing or consultant invoice: are we actually ready? It became a company when the answer proved too important to keep in a spreadsheet — and when the technology finally existed to answer it completely.
Skumu is building the decision layer between a regulated opportunity and the resources a team will spend pursuing it. AI builds and maintains the evidence. The go/no-go engine makes the consequences visible. Operators, legal teams and public-affairs teams decide what to do while the answer can still change the outcome.
If you move public capital for a living, bring us a deal.