Spend your time on the analysis, not the data entry.
You're here to analyze risk, not re-key numbers. EnFi spreads the statements, builds the cash flow, and assembles the file — every figure traced to source — so your hours go to the write-up.
The analysis is yours. The busywork isn’t.
Credit analysis is judgment. Too much of the day goes to the mechanical work around it.
Buried in mechanical work
Spreading statements, re-keying figures, and assembling the file eat the hours that should go to analysis.
Every deal starts from scratch
There is no fast way to pull comparable deals from your own book to ground the analysis in precedent.
The work has to survive review
Every number has to trace to its source, or it gets kicked back by the officer or committee.
Because AI handles the manual, highly repetitive work and analysis, our team is freed up to focus on more valuable decision making and portfolio management.
Analyze. Don’t re-key.
Spend your time on analysis
EnFi spreads the statements and assembles the package, so your hours go to the write-up, not data entry.
Ground it in your own precedent
Pull comparable deals by sector, structure, and covenant package, so your analysis stands on the bank's own history.
Every number traces to source
Each figure and ratio links back to the document and page it came from, so your file holds up in review.
The manual credit work, off your plate.
Each capability runs on your institution's policy, with a person on every decision.
Document intake & verification
Every deal document ingested and checked, so the file is complete before you start.
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Spreading
Statements and returns spread automatically, every figure traced to source.
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Global cash flow
A consolidated view across the borrower's entities and guarantors.
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Deal screening & credit memos
A first-draft screen and memo on your template, ready for your analysis.
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Defensible by design.
SOC 2 Type II
Independently audited
Encryption
In transit and at rest
Data isolation & SSO
Through your identity provider
No training on your data
Your data stays yours