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
EnFi gives you the capacity of another hire — trained, auditable, and available today.
More than a model pointed at your docs.
Trained on commercial credit, not generic LLMs
Agents built for the real work of lending — global cash flow, DSCR and debt-yield, borrowing-base and covenant testing — by a team that's spread the deals and sat through the exams.
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 — reads from and writes back to your systems of record. No rip-and-replace, no re-keying. Via MCP, it plugs into AI assistants like Claude.
Examiner-ready by design.
EnFi is built for regulated lenders from the ground up.
SOC 2 Type II
Data stays in the bank's own cloud.
Per-tenant encryption
Each customer holds their own key.
Row-level security
Isolation enforced at the database.
Full audit trail
Examiner-readable record of every action.
Human-in-the-loop
People make the final call.
Malware & prompt-injection scanning
Every upload checked before it's used.