EnFi, founded in 2023 and based in Boston, builds AI agents focused specifically on credit decisioning and underwriting for banks and private lenders, analyzing broader datasets than traditional scoring models to automate lending decisions that would otherwise take a human underwriter days to work through manually.
The company's EnFi Grid product applies AI-powered spreadsheet intelligence to lending workflows, reading financial documents and structuring the data underwriters need for a decision, positioning EnFi in the fast-growing alternative-credit-scoring space that fintech-focused investors have flagged as a top 2026 priority.
Pricing is enterprise and contract-based, scoped to a lender's transaction and portfolio volume. For a bank or private lender that wants faster, broader-data-driven credit decisions instead of a manual underwriting process, EnFi's AI-native approach addresses that directly.
