See what capital providers see. Know what to fix.
Your business gets read on how it actually operates — not on the age of the entity or your personal credit alone. See the same 0–300 readiness score a lender sees, what stands between you and the next band, and share one verified packet when you're ready.
Readiness · ScoreA score, a plan, and a packet.
Readiness, risk, and economic value — resolved into one number, with the reasoning behind it shown to you, not hidden.
See your score
The 0–300 readiness score with the factors behind it broken out. No mystery, no black box — you see exactly what an underwriter sees.
Know what to fix
A prioritized plan ranked by what actually moves your score, so a "not yet" becomes a specific, finite list. Most owners climb a band in less than 45 days.
Share your packet
A lender-ready document generated from your live data, consented by you. Send it to one lender or to your matched shortlist.
Read on the way you actually run the business.
A profitable three-year-old business with no collateral shouldn't score below a dormant one with equity. Cyphr measures operating behavior, so it doesn't.
No tax returns, no CPA-prepared statements, no document drag. Connect your bank and Cyphr does the rest.
Owner credit is one signal — not the whole story. Cyphr weights what actually predicts whether a business can repay: revenue patterns, operating consistency, and operational history.
Get a preview of your Cyphr score.
Tell us about your business. We'll show you the score band and two factors instantly. Create an account to unlock the full report.
Stop guessing what lenders see.
See it yourself.
Free score. No credit pull. 10 minutes from connected bank to your readiness number.