The unfair advantage hiding in your back office.
Make faster credit decisions, increase lending efficiency, and grow your book without growing headcount.
More capacity. Faster work. Nothing slips.
Grow capacity
Take on more loans and a bigger book with the credit team you already have.
2–3×
loan volume, same team
90%
less time on spreading
Move faster
Turn days of manual work into minutes — from the financial spread to the signed review.
45 min
per annual review, from 8 hrs
30 min
per SBA credit memo, from 3 hrs
Stay ahead of risk
Catch problems a quarter early and keep the whole book exam-ready.
100%
automated covenant monitoring
10x
covenants monitored per analyst
Credit work shouldn’t start with data entry.
Built for every commercial asset class.
CRE
C&I
SBA 7(a)
Owner-occupied CRE
Equipment finance
ABL
Construction
Capital-call lines
Lender finance
Indirect auto
CRE
C&I
SBA 7(a)
Owner-occupied CRE
Equipment finance
ABL
Construction
Capital-call lines
Lender finance
Indirect auto
CRE
C&I
SBA 7(a)
Owner-occupied CRE
Equipment finance
ABL
Construction
Capital-call lines
Lender finance
Indirect auto
CRE
C&I
SBA 7(a)
Owner-occupied CRE
Equipment finance
ABL
Construction
Capital-call lines
Lender finance
Indirect auto
“When Grasshopper partnered with EnFi two years ago, we knew agentic AI would revolutionize commercial credit. We've successfully added over $300 million in new loans over the past 12 months with our existing headcount. Because AI handles the manual, highly repetitive work and analysis, our team is freed up to focus on more valuable decision making and portfolio management.”
From the first document to the annual review.
Turn messy loan docs into structured data
EnFi classifies every document, creates relationship and entity maps, and keeps everything up to date with a seamless sync to your document storage. It can even validate application packages for completeness, freeing staff for genuine analysis.
Credit memos in minutes, not days
EnFi automatically spreads financials, runs cash-flow analysis, and drafts the credit memo. Every figure traces to its source, and every AI decision is documented, so reports are examiner-ready and fully auditable.
Catch a breach a quarter before it trips
EnFi onboards covenants from each agreement and flags risk a quarter before a covenant trips. It drafts annual reviews and chases missing documents with email ticklers. Analysts move from preparing reviews to reviewing them.
Run custom workflows automatically
Set a trigger, and EnFi can autonomously run a completeness check on a loan package, generate a bespoke deal scorecard, or anything else you need. Anything that looks off routes to a person.
Keep your people’s institutional knowledge
Don't lose knowledge when someone leaves. With EnFi, every memo, agreement, and amendment stays in your system, so a decade of history is one question away, from EnFi or from your own AI assistant over MCP.
Built for commercial credit.
It reads your credit policy first.
Before EnFi touches a file, it ingests your credit policy and procedures. Global cash flow, DSCR, debt yield, borrowing base and covenant tests run as real math, the same way every time.
It knows who’s who across your whole book.
EnFi maps the borrowers, guarantors, facilities and covenants across every document in the file, with each figure traced to its source. Global exposure on a guarantor becomes one question, not a two-week spreadsheet exercise.
If you can describe the job, it can run it.
Intake, spreading, credit memos, covenants, annual reviews. And when you bring EnFi a job it hasn't seen, you describe it and it becomes a workflow. Only the exceptions come to a person.
It works inside the systems you already have.
EnFi connects to your LOS, core, and document storage without a rip and replace so nobody has to work in one more system. Run the work in EnFi, inside your existing tools, or ask from your AI assistant.
Examiner-ready by design.
Full Provenance
Every value is traced back to its source document.
Customizable Outputs
Every report matches the format your examiner expects.
Bank-grade Architecture
AES-256 and TLS 1.3 encryption, SSO, MFA, SOC 2 Type II, ISO/IEC 27001, and GDPR compliant.
Auditability
Every action is recorded and explainable.