Credit-specific AI infrastructure, built from the data up.
Built for credit, not bolted on. EnFi resolves your loan documents into a structured, queryable knowledge graph, then runs purpose-built agents on top to do the analytical work your core and LOS were never designed to do.
One foundation. Applications on top. Reachable anywhere.
A credit data layer and an agent harness at the base, the credit jobs built directly on them, and every capability reachable in your product, your systems, or your AI assistant.
A credit ontology and knowledge graph.
Documents become permanent, structured memory, organized around the entities of commercial credit and how they relate. This is the layer everything else is built on.
A purpose-built agentic harness.
Not an off-the-shelf framework wrapped around a general model. The harness is credit-aware, and it runs the jobs under your guardrails.
Credit-aware, not generic
The harness ingests your credit policy, standard operating procedures, and regulatory requirements. It is built for credit work and nothing else.
Best-fit model routing
A cost-efficient model handles high-volume parsing; a higher-capability model handles cross-document reasoning and conflict resolution.
Deterministic calculators
Global cash flow, DSCR, debt service, and covenant tests are computed, not generated, and reproducible line for line.
Human-in-the-loop
Agents draft and compute under your guardrails; a person reviews and approves, and every action is logged.
Workflows that build themselves
Describe a new job in natural language and the engine stands up a workflow with review gates. Your team drives new use cases.
No training on your data
Your documents and data are not used to train models.
A system of action, not a system of record. The harness works on top of the systems you already keep the truth in.
Every application runs on the same foundation.
Credit operations, credit intelligence, and narrative and workflows each draw on the credit data layer and the agent harness. None is stacked on another.
Credit operations
Portfolio monitoring
Covenant monitoring
Automated alerts
Credit intelligence
Spreading
Global cash flow
Stress scenarios
Narrative & workflows
Credit memos
Annual reviews
Deal screens
Bring EnFi a job it has not seen, describe it, and it becomes a workflow with review gates your team can run.
Reachable headless, over API and MCP.
Run EnFi in its own workspace, or headless behind your LOS, portfolio system, or AI assistant. Capabilities are reachable over the API and over MCP, so the same work can run in your systems or from an AI assistant.
J. Okafor's total exposure is $14.2M across the relationship. The largest single facility is a $6.4M term loan at Riverdale Mfg.
Provenance, explainability, and auditability.
The three questions every bank should ask an AI vendor. EnFi is designed to answer all three by construction, not after the fact.
Provenance
Where did this fact come from? Every fact, output, and conclusion traces to its source document, page, and exact text.
Explainability
How did you reach this? The reasoning, the inputs, and the computations behind every output are inspectable, not “the AI said so.”
Auditability
Who did what, and when? Every action, human or agent, is logged with actor, timestamp, and result.
Trust, measured.
Measured, not asserted
Computed, not generated
The figures a credit decision turns on are produced by deterministic calculators, reproducible line for line, not written by a model.
Access enforced at the data layer
Permissions are applied where the data lives, not at the response, so denied facts are invisible in counts and traversals.
Recoverable by design
Multi-step writes are coordinated, so a partial failure leaves no orphaned facts and the system stays in a consistent, recoverable state.
Built for bank review.
SOC 2
Independently audited controls; the SOC 2 report is available for vendor review.
Encryption
Your data is encrypted in transit and at rest.
Isolation & access
Each institution's data is isolated, with single sign-on through your identity provider and role-based access.
Your data stays yours
EnFi does not use your data to train models.