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.
2–3×
loan volume, same team
90%
less time on spreading
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
“EnFi’s AI-driven platform enables our teams to respond to rising demand more efficiently without increasing our risk profile. By extending the capacity of our credit teams, EnFi supports disciplined portfolio growth while deepening our strategic member and partner relationships.”
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.
A decade of history, made searchable
EnFi turns a lifetime of memos, agreements, and amendments into a knowledge graph your team can ask about in plain language. It then plugs into the AI tools you already use via MCP for deeper analysis.
Built for commercial credit.
Trained on commercial credit, not generic LLMs
Agents built for the real work of lending — global cash flow, DSCR and debt-yield, borrowing-base and covenant testing — by a team that's spread the deals and sat through the exams.
Fits your system of record
Reads from and writes back to your LOS and core through a seamless integration. No rip-and-replace, no migration, no re-keying the same numbers twice.
A credit-aware data layer
Classifies 177+ document types, atomizes multi-page PDFs, and resolves borrowers and guarantors across the file — structured data with cell-level provenance, so every figure is traceable and examiner-ready.
Portfolio-wide exposure on demand
A knowledge graph links borrowers, guarantors, and covenants across the book, so global relationship exposure and concentration questions are a single query — not a two-week spreadsheet exercise.
Examiner-ready by design.
SOC 2 Type II
Data stored in the bank's own cloud.
Per-tenant encryption
Each customer has their own key.
Audit trails
Examiner-ready history.
Human-in-the-loop
People make the call.