Deal Screening & Underwriting
From Lead to Term Sheet in Minutes, Not Days
EnFi's AI agents transform commercial lending by completing the entire workflow from document collection through spreading and credit analysis to final decisions—delivering qualified opportunities and comprehensive credit memos with minimal human effort.
Unlock Efficiency & Precision
Faster Processing
80% quicker decisions with 3-4x application throughput and 90% reduced analyst time.
Superior Decisions
35% more qualified leads through consistent policy application and deeper analysis.
Enhanced Experience
Quicker responses for borrowers and streamlined approvals for committees.
Revolutionary AI-Powered Lending Tools
Credit Box Matching
Evaluate opportunities against your specific criteria. Our AI automatically screens deals against your lending parameters, flagging exceptions and prioritizing the most promising opportunities for your review.
Term Sheet Creation
Generate term sheets and facilitate next steps. EnFi produces customized, compliant term sheets instantly, accelerating deal flow and enabling your team to focus on relationship-building rather than document preparation.
Credit Analysis
Identify strengths and weaknesses beyond surface-level metrics that drive underwriting decisions. Our platform conducts comprehensive risk assessment by evaluating both historical performance and forward-looking indicators, providing contextual insights that inform better lending decisions.
Automated Spreading
Extract and normalize financial data from any document format. EnFi transforms complex financial documents into standardized, analysis-ready data in seconds, eliminating manual data entry and reducing spreading time by up to 90%.
Credit Memo Generation
Create detailed committee documentation automatically; apply your unique underwriting guidelines consistently. The platform assembles comprehensive credit memos incorporating all relevant analysis, supporting materials, and policy checks, ensuring thorough documentation while maintaining your institution's specific underwriting standards.
The EnFi Difference
Our agents complete the entire commercial lending process—from transforming document chaos into qualified opportunities during screening to converting raw borrower data into comprehensive credit assessments ready for committee approval during underwriting.