Shortlist by what you need
Start here if you know why you are leaving EnFi.
Want the closest match?
Zest AIMost similar to EnFi in what it does, its category and its price.
Visit (opens Zest AI in a new tab)Want the best rated?
CascaRated 4.1 out of 5 in our review, against 3.9 for EnFi.
Visit (opens Casca in a new tab)
At a glance
Green means better than EnFi, red means worse. Prices are starting prices per month.
| Tool | Our rating | Starts at | Free plan | Best for | Compare |
|---|---|---|---|---|---|
 EnFiBaseline | 3.9 | Not listed | No | AI credit decisioning that reads broader datasets than traditional lending scoring models | |
| Zest AI | 4.2+0.3 | Not listed | No | 300+ lenders use its models to automate 80% of loan decisions | vs EnFi |
 finbots.ai | 3.4−0.5 | Not listed | No | Build a credit scorecard in a day instead of 9-12 months - creditX makes lending decisions in under 0.03 seconds, reporting 20%+ higher approvals and 15%+ lower losses. | vs EnFi |
| Casca | 4.1+0.2 | Not listed | No | An AI-native loan origination system that automates document collection and credit-memo prep for business lenders. | vs EnFi |
 Coris | 4.0+0.1 | Not listed | No | Coris scores merchant and payment risk for processors and fintechs with alternative data instead of manual underwriting review. | vs EnFi |
 Artificial | 4.0+0.1 | Not listed | No | Machine-learning underwriting platform that reads broker submissions and automates specialty insurance risk workflows. | vs EnFi |
 Planck | 4.0+0.1 | Not listed | No | Classifies a commercial risk from public data so an underwriter is not guessing. | vs EnFi |
 Planto | 3.9Same | Not listed | No | Fintech platform for banks that turns transaction and open banking data into personalized financial insights, cashflow forecasts and customer segments, using AI models trained on 60+ million transactions. | vs EnFi |
 Hawk AI | 4.1+0.2 | Not listed | No | AML and fraud detection built in Munich, raised $56M to expand financial crime coverage | vs EnFi |
The alternatives in detail
In order of how closely each one matches EnFi.
Zest AI
4.2Not listed
vs EnFi+0.3
300+ lenders use its models to automate 80% of loan decisions.
- AI credit-underwriting models built for explainability under regulatory scrutiny
- Nearly 300 lenders using its models, representing $5.5 trillion in assets
- Automates up to 80% of loan applications without manual underwriting
Explainability built in specifically to satisfy lending regulators and examiners
Enterprise quote-based pricing requires a sales conversation
finbots.ai
3.4Not listed
vs EnFi−0.5
Build a credit scorecard in a day instead of 9-12 months - creditX makes lending decisions in under 0.03 seconds, reporting 20%+ higher approvals and 15%+ lower losses.
- Automated credit scorecard building in a day, not months
- Sub-0.03-second real-time lending decisions
- Multi-source data integration - internal, external, alternative
Real, named regulatory framework credentials, not just a compliance claim
Pricing isn't public - requires direct contact
Casca
4.1Not listed
vs EnFi+0.2
An AI-native loan origination system that automates document collection and credit-memo prep for business lenders.
- AI assistant that guides small-business borrowers through loan applications
- Automated financial-document reading and data extraction
- AI-drafted credit memos for underwriters
Named bank customers (Live Oak Bank, Huntington National Bank) back up its claims with real institutional use
No published pricing, enterprise sales cycle required before a quote
Coris
4.0Not listed
vs EnFi+0.1
Coris scores merchant and payment risk for processors and fintechs with alternative data instead of manual underwriting review.
- Alternative Data API covering licensing, reviews, and incorporation records
- Ongoing Business Monitoring that flags merchant deterioration before default
- Underwriting workflow automation for merchant onboarding
Founding team's payments-risk background at PayPal, eBay, and JPMC lends credibility
No public pricing, every deployment needs a sales conversation
Artificial
4.0Not listed
vs EnFi+0.1
Machine-learning underwriting platform that reads broker submissions and automates specialty insurance risk workflows.
- Machine-learning extraction of underwriting data from unstructured broker submissions
- Automated risk triage for complex commercial and specialty insurance cases
- Contract building tools that reduce manual document re-entry
Deep specialization in specialty and commercial insurance underwriting, not a generic document AI
Enterprise-only pricing with no public rate card or self-serve option
Planck
4.0Not listed
vs EnFi+0.1
Classifies a commercial risk from public data so an underwriter is not guessing.
- PLUS Data business classification from public sources
- PLUS Risk Workbench chat interface for underwriters
- Planck Enterprise integration across the policy lifecycle
Checks the application form against the business's own public footprint
No published pricing
Planto
3.9Not listed
vs EnFiSame
Fintech platform for banks that turns transaction and open banking data into personalized financial insights, cashflow forecasts and customer segments, using AI models trained on 60+ million transactions.
- Personalized financial insights from transaction data
- No-code AI-driven customer segmentation
- Cashflow insights and forecasts for credit decisions
Models trained on 60+ million transactions
Sold only to financial institutions
Hawk AI
4.1Not listed
vs EnFi+0.2
AML and fraud detection built in Munich, raised $56M to expand financial crime coverage.
- Machine-learning-based AML and counter-financial-terrorism transaction monitoring
- Built to reduce false-positive rates versus legacy rules-based AML systems
- $56M raised in April 2025 to expand financial-crime detection coverage
Reduced false-positive rates translate directly into lower compliance-team workload
Enterprise-only pricing model means no self-serve option for smaller fintechs
FAQ
Questions people ask
Is EnFi free?
EnFi does not list a free plan. Check its pricing page for current plans.
How did you pick these alternatives?
We match tools on what they do, their category and their price, using the details in our directory. Ratings come from our reviews and reader reviews.