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.
The full picture, not one entity.
None of this works without the data underneath.
A global number is only trustworthy if the entities behind it are right. The data layer resolves who is who across the whole relationship first, so cash flow rolls up without double-counting or gaps.