EnFi Raises $15M from VCs working with 150+ Banks, Signaling Industry Shift on AI Credit Workforce

Investment from bank-backed VCs suggests lenders are pre-funding the infrastructure they need as analyst shortage persists

BOSTON, MA. – February 4, 8am ET 2026 – EnFi, the AI-native platform that delivers agents to complete end-to-end commercial lending workflows, today announced it has raised a $15 million Series A, bringing its total funding to date to $22.5 million.

The capital will enable EnFi to scale its technology, team and go to market efforts as it continues to empower lenders to rapidly grow and risk manage their commercial portfolios.

The round was led by FINTOP, with participation from Patriot Financial Partners, Commerce Ventures, Unusual Ventures and Boston Seed Capital. These investors’ networks collectively span more than 150 financial institutions. This includes the FINTOP network of strategic investors, which comprises around 90 community and regional banks; Patriot Financial Partners, which has invested in 66 banks across its three active funds; and Commerce Ventures, with over 20 strategic enterprise limited partners (LPs) including seven of the country's largest banks.

U.S. lenders are facing a growing talent crisis: they spend $112 billion annually* on credit labor, yet tens of thousands of credit analyst positions remain unfilled at any given time. The gap is forcing institutions into tradeoffs: process fewer loans and lose market share, lower underwriting standards and increase risk, or burn out existing teams with unsustainable workloads. EnFi partners with banks, private credit funds, credit unions and fintech lenders to deploy targeted agents to complete end-to-end jobs across the commercial lending lifecycle - from deal screening through to portfolio monitoring - for the full spectrum of commercial credit types. EnFi’s agents can be productive within 60-90 days, acting as virtual co-workers that massively expand the capacity of credit professionals.

“We have seen this consistently across hundreds of conversations with lenders,” said Joshua Summers, co-founder and CEO of EnFi. “Our investors have wide exposure to the challenge through their banking LP networks and portfolio investments. They are investing in agentic human infrastructure, not just software. EnFi enables commercial lenders to operate beyond traditional capacity limits while strengthening risk oversight and accelerating credit decisions.”

"The human talent pool cannot scale at the rate credit demand is growing,” said John Philpott, Partner at FINTOP. “Our investment in EnFi reflects our belief that AI isn't replacing human judgment but instead creating the capacity for humans to exercise that judgment at scale."

“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.” said Michael Desimone, Chief Lending Officer, Citadel Credit Union.

EnFi is led by co-founders Joshua Summers, CEO, Scott Weller, CTO, and Michelle Hipwood, CFO, each with experience scaling technology companies through acquisition. Summers co-founded clypd, which was acquired by AT&T in 2019 and integrated into Xandr. Weller co-founded SessionM, acquired by Mastercard in 2019, and later served as SVP of Product within Mastercard’s Data & Services division. Hipwood led finance at clypd through its acquisition and brings over two decades of experience supporting growth-stage technology companies.

Summers, Weller and Hipwood founded EnFi in 2023. The company raised a $7.5 million seed round in 2024 led by Unusual Ventures, with participation from Boston Seed Capital, Argon Ventures, and Impellent Ventures.

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Notes to Editors

The $112 billion estimate represents EnFi's analysis of annual U.S. spending on credit analysis, underwriting, and risk management labor across approximately 15,000 lending institutions (banks, credit unions, private credit funds, and fintech lenders). The calculation is based on institutional counts from FDIC (Q1 2025), NCUA (Q1 2025), Preqin (2024), and PitchBook (2024), combined with Bureau of Labor Statistics wage data (May 2024) showing mean compensation of $98K-$120K for credit professionals, adjusted for fully-loaded employment costs including benefits and overhead. This figure represents the addressable market for AI automation in credit workflows.

About EnFi

EnFi is the AI-native platform chosen by commercial lenders to rapidly scale their portfolios while simultaneously improving risk management. EnFi’s agents are deployed across the full commercial credit spectrum and loan lifecycle - from deal screening to portfolio monitoring - to massively expand the capacity of credit professionals by completing end-to-end jobs. EnFi’s agents are rapidly deployed and are productive within 60-90 days, empowering lenders to originate and manage more loans efficiently, resulting in higher profitability and reduced rate of loss. To learn more, visit www.enfi.ai and follow on LinkedIn.

About FINTOP

FINTOP backs the builders rewiring finance. With offices in Nashville & New York, the venture firm has $700 MM+ in committed capital across five funds and a team with decades of industry experience as entrepreneurs, operators, & investors. Learn more at fintopcapital.com

About Patriot Financial

Founded in 2007, Patriot Financial Partners is a private equity firm focused on investing in community banks, thrifts and financial services related companies throughout the United States. Patriot's investment objective is to apply a hands-on, value-added investment model to non-control investments within the community banking sector, including both public and privately held depository institutions that have between $500 million and $5 billion of assets.

Patriot has expanded its focus to include adjacent niche markets within the financial services sector that are closely related to banks. For additional information on Patriot Financial Partners, go to www.patriotfp.com

About Commerce Ventures

Founded in 2013, Commerce Ventures was designed to invest in the platforms and infrastructure helping to digitize financial services and commerce. The firm has raised over $500 million since inception and has invested in 130+ companies, including category leaders such as Autobooks, Bill.com (BILL), BillGO, Canary, Candex, Cardless, Clara, Forter, Forward, Interchecks, Kin, Marqeta (MQ), Mudflap, MX, Socure, and Vestwell.