Built for commercial credit — from the data up.
Most "AI for lending" is a generic model pointed at your documents. EnFi is built the other way around: a credit-aware data foundation, agents trained on real lending work, running inside your stack and your guardrails.
Why not just use generic AI, a spreadsheet, or another hire?
EnFi
Generic AI
(ChatGPT)
Spreadsheets
& manual
Another
hire
N/A
N/A
N/A
More than a model pointed at your docs.
It reads your credit policy first.
Before EnFi touches a file, it ingests your credit policy and procedures. Global cash flow, DSCR, debt yield, borrowing base and covenant tests run as real math, the same way every time.
It knows who’s who across your whole book.
EnFi maps the borrowers, guarantors, facilities and covenants across every document in the file, with each figure traced to its source. Global exposure on a guarantor becomes one question, not a two-week spreadsheet exercise.
Agentic, not a wrapper
A wrapper answers questions. EnFi's agents do the work end to end — gather, spread, test covenants, draft the review — reasoning through edge cases, with a human in the loop on every decision.
Fits your stack
Sits on top of your LOS and core — EnFi is a system of action, not a system of record. No rip-and-replace, no re-keying. Via MCP, it plugs into AI assistants like Claude.
Examiner-ready by design.
Full Provenance
Every value is traced back to its source document.
Customizable Outputs
Every report matches the format your examiner expects.
Bank-grade Architecture
AES-256 and TLS 1.3 encryption, SSO, MFA, SOC 2 Type II, ISO/IEC 27001, and GDPR compliant.
Auditability
Every action is recorded and explainable.