Deal screening & credit memos

Screen deals & draft credit memos in minutes

EnFi screens every deal for faster decisions, then automatically drafts the credit memo according to your credit policy.

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Credit memo

SBA 7(a) · Riverside Dental Partners · $2.4M term loan
Generated · review & approve
Financial spread
 20232024TTM
Revenue$6.10M$6.85M$7.20M
EBITDA$1.34M$1.55M$1.68M
Total debt service$0.96M$1.10M$1.18M
DSCR1.40×1.41×1.42×
●DSCR 1.42× clears the 1.20× covenant.
Generated credit memo
Business overview
Repayment analysis
DSCR of 1.42× supports full debt service.
Risks & mitigants
Recommendation
Approve · Prime + 2.75%
How it works

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

Deal screening

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.

Same criteria, every time. Your policy thresholds applied identically to every incoming deal.
Key metrics up front. Size, leverage, global DSCR, and time in business at a glance.
Exceptions flagged. Anything outside policy is surfaced before the deal moves forward.

Deal screen

Riverside Dental Partners · $2.4M term loan
Approve
Requested facility$2.4M term loan
IndustryHealthcare · Dental
Global DSCR1.42× min 1.20×
Leverage3.1× max 4.0×
Time in business11 yrs
Policy exceptionsNone
●Clears every screening threshold. Recommend proceeding to a full credit memo.
The workflow

Ingest, spread, draft.

EnFi does the mechanical work and shows its sources. A credit officer signs every decision.

1

Ingest

Financials and tax returns land in the data room and are extracted into structured data.

2

Spread & analyzed

Every period is spread and the ratios and cash-flow metrics are computed deterministically.

3

Draft

A deal screen or full credit memo, generated on your template.

Why it holds up

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.

The impact

More deals, less desk time.

Minutes
to a credit memo, not hours
100%
of figures traced to source — exam-ready output
2-3×
more deals per underwriter, at the same headcount
Exam-ready output
Drafted on your template
Grounded in structured data
What’s underneath

None of this works without the data underneath.

A credit memo is only as defensible as the facts behind it. Every figure and covenant EnFi drafts is pulled from the structured data layer and traces back to the source document a reviewer can open.

See how EnFi is built
IntakeSpreadingGlobal cash flowCredit memosCovenants
all rest on
The credit data layer
A credit-aware data layer. Every entity, from borrowers to guarantors, is mapped across every document.
Built for commercial credit. Your credit policy and procedures, loaded before the first file.
No rip and replace. Connects to the systems you already have. Use EnFi in our screens, inside your own, or from the AI assistant your team already uses via MCP.
Works with

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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Get started

Draft the memo in minutes, not hours.

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