Cyphr selected as the capital infrastructure for a $5.9B economic mobility bond.

A universal language for the businesses that hold up the economy.

Cyphr measures how businesses actually behave — then resolves it into readiness, risk, and economic value on one lender-grade 0–300 score. New founders and long-standing Main Street operators, read the same way, everywhere.

Get your score →See how it works →
Multi-state coverage30 states0–300 scale
Packet ready
Riverline Learning Services LLC
Kansas City, KS · Est. 2019 · Childcare · NAICS 624410
0
/ 300
+12 vs. last month
81st percentile · Childcare · 12-month view
0
075150225300
Emerging Developing Established Strong
Matched
SBA 7(a) · 3 CDFIs
As seen in
The gap

Unmeasured,
not unsound.

A lender, a city, and an accelerator can look at the same business on the same day and reach three unrelated conclusions — not because they disagree, but because none of them share a definition of what they're looking at. So capital concentrates where the paperwork is cleanest, and viable businesses get filtered out for being unmeasured rather than unsound.

Invisible to the system
80%

of the small business economy is denied capital not because it's unsound, but because it's unmeasured — no shared standard exists to read how it operates.

SourceFederal Reserve SBCS · 2024
Sunset Mar 1, 2026
SBSS

The SBA stopped requiring the FICO Small Business Scoring Service for 7(a) Small Loans on March 1, 2026. Lenders now choose their own models. Cyphr reads the 80% SBSS couldn't, on the same 0–300 scale lenders already know.

SourceSBA Procedural Notice 5000-875701
How the platform works

Three steps.
Minutes, not months.

Connect data. Generate the score. Share a verified packet. The same standard every audience builds on.

1

Connect

A secure bank connection, layered with operational signals from public and ecosystem sources. No paperwork, no CPA.

Chase · Business Checking
Connected
IRS · EIN verification
Verified
KS Sec. of State
Active
Square · Stripe
Connected
2

Score

The enrichment engine reads transactions in industry context and produces an explainable readiness score — built from how the business actually operates, not just owner credit.

Revenue health
✓
Operating consistency
✓
Business maturity
✓
Workforce signal
✓
Compliance posture
✓
Operational rigor
✓
Repayment capacity
✓
3

Share

A standardized readiness packet — generated from live data, consented by the owner, readable by any underwriter. The chaos of PDFs replaced with one canonical document.

Readiness Packet
Ready
Riverline Learning Services
What Cyphr measures

Three questions, answered the
same way for every business.

Cyphr reads business behavior and resolves it into three dimensions institutions can act on — with the reasoning behind every read exposed, not hidden in a black box.

01

Readiness

Whether a business is prepared to absorb capital, a contract, or a growth commitment right now — and what specifically stands between it and being ready.

02

Risk

How a business behaves under pressure, read from operating evidence rather than the owner's personal credit history or the age of the entity.

03

Economic value

What a business contributes to the place it operates in: employment, spending, durability, and the effect of its presence on the block around it.

The score

Three dimensions.
One 0–300 number.

Readiness, risk, and economic value resolve into the same scale FICO SBSS used — so every lender already knows how to read it. Bands map to risk-adjusted fundability.

0140200250300
0–139
Emerging

Early operations or thin data. Cyphr generates a guided readiness plan to move into the next band.

140–199
Developing

Fundable with the right product. Microloan and CDFI matches surface here.

200–249
Established

Bank-ready. SBA 7(a) and community-bank pre-qualification routinely sit in this band.

250–300
Prime

Top decile. Multiple competing offers and the largest fundable ranges.

Who it's for

One standard.
Four surfaces.

The same read on the same business, in the workflow each institution already runs.

For business owners
Score

See what capital providers see — and what to fix before you apply again. Then share one verified packet with the lenders most likely to fund you.

Go toBusinesses →
For lenders
Match

Underwrite the thin-file borrowers your credit model has no basis to approve. Tell us your credit box and receive scored, packet-ready businesses that fit.

Go toLenders →
For ESOs & programs
Serve

Prove the lift your support produces across cohorts, advisors, and years — on one surface that runs intake, readiness, and outcome reporting.

Go toESOs →
For cities & states
Monitor

Measure what your programs actually change in the business base you serve — baselines before you fund, movement after, and the coverage gaps across the map.

Go toGovernments →
WC26Serving the World Cup? WorldReady preps small businesses for the WC26 surge — vendor readiness, capital matching, host city plans.Open WorldReady →

The capital system doesn't need
better forms. It needs a shared language.

Score in minutes. Packet in days. Match to capital that actually fits.

Get your readiness score →Talk to our team →
10 min · No credit pull · Free to start