Screen the deal, draft the memo in minutes, not hours.
EnFi screens every deal for faster decisions, then automatically drafts the credit memo according to your credit policy.
Credit memo
Business overview
Repayment analysis
Risks & mitigants
Recommendation
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From a fast screen to a full memo.
The same extracted and structured data produce both the quick go/no-go and the full credit write-up.
Deal screen
A fast, consistent go/no-go on every incoming deal — key metrics, policy checks, and a clear recommendation, so your team spends its time on the deals worth pursuing.
Key metrics
Policy checks
Go / no-go
Credit memo
The full write-up: spreads, ratios, narrative, and risk commentary, drafted on your template and ready for an analyst to review and approve.
Spreads
Ratios
Narrative
Risk commentary
A fast, consistent go/no-go.
Before anyone spreads a full package, EnFi screens the deal against your credit policy and returns a clear recommendation — so pipeline decisions are quick, consistent, and defensible.
Deal screen
Ingest, spread, draft.
EnFi does the mechanical work and shows its sources. A credit officer signs every decision.
Ingest
Financials and tax returns land in the data room and are extracted into structured data.
Spread & analyzed
Every period is spread and the ratios and cash-flow metrics are computed deterministically.
Draft
A deal screen or full credit memo, generated on your template.
Written from your data, ready for an exam.
Not a generic model's guess — a document generated from your extracted data and institutional knowledge.
Grounded in your data
Every memo is written from your extracted and structured data, so the analysis reflects how your team actually underwrites.
Every figure traced to source
Click any number and land on the document and line it came from. Exam-ready by default, not after a scramble.
Drafted on your template
Your sections, your order, your language. EnFi fills it in and your analyst reviews and approves.
More deals, less desk time.
Part of the whole credit workflow.
Spreading
Clean, structured spreads are what the memo is written from — every figure already traced to source.
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Global cash flow
The global DSCR behind the repayment analysis, consolidated across the whole relationship.
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Covenant monitoring & annual reviews
The covenants set in the memo are extracted once and tested on their cadence, breaches flagged.
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