Automate your cash flow analysis across every entity.
EnFi rolls up personal and business cash flows across entities into one relationship-level view for underwriting and renewals.
| A | B | C | D | |
| 1 | GLOBAL CASH FLOW ANALYSIS | |||
| 2 | CASH AVAILABLE | |||
| 3 | 2024 | 2025 | ||
| 4 | Guarantor — personal | |||
| 5 | Operating company | |||
| 6 | Related entities | |||
| 7 | TOTAL CASH AVAILABLE | |||
| 8 | ||||
| 9 | DEBT SERVICE | |||
| 10 | 2024 | 2025 | ||
| 11 | Existing debt | |||
| 12 | Proposed facility | |||
| 13 | TOTAL DEBT SERVICE | |||
| 14 | ||||
| 15 | GLOBAL DSCR | 1.63× | 1.86× | |
The whole relationship, rolled up.
No stitching entities together by hand in a spreadsheet. EnFi builds the global view for you.
Rolls up every entity
Personal and business cash flow consolidated across related guarantors and entities.
Normalizes every document
Tax returns, K-1s, and financial statements read and normalized automatically, in whatever format they arrive.
One relationship-level view
A single global cash flow and DSCR for the whole borrowing relationship built for underwriting and renewals.
Global cash flow, your way.
Use immediately with EnFi's out-of-box methodology, or configure it to match exactly how your bank operates.
EnFi standard methodology
A defensible global cash flow methodology ready on day one, built on established commercial-credit practice, so you can start without configuration.
Your bank’s methodology
Set add-backs, eligible entities, ownership treatment, and DSCR definitions to match your credit policy so the global view reflects how your bank actually underwrites.