How eligibility works

Cyphr AI reverses the usual order. Instead of collecting applications and declining most of them, you publish your requirements as a checklist. A business reaches you only after it meets that checklist.

You still underwrite. Cyphr AI only decides whether a business meets the checklist you published.

Building a program

A program is one financing product, with its terms and requirements. The program builder has three steps: Details, Requirements, and Review and activate.

Details include the program's name and description, product type, the industries it serves, a minimum and optional maximum amount, the rate, and the term.

• Product types include term loans, lines of credit, SBA 7(a), SBA 504, SBA microloans, microloans, equipment financing, commercial real estate, invoice financing, revenue-based financing, merchant cash advances, and grants.
• Rates can be a fixed percentage, a spread over Prime, or a factor rate. Set the same "from" and "to" value for a single rate.
• Terms can be in days, months, or years. Leave the term empty for revolving products.

Cyphr AI enforces your amount and term ranges. A business can't request, or later edit to, an amount or term outside your ranges.

Only active programs match businesses and receive applications.

Writing requirements

You state requirements as action items attached to your program. Mark each one required or optional.

• Required items decide eligibility. A business qualifies once every required item is complete.
• Optional items are coaching. Businesses see them, but they never block a match.

If you want to	Use
Confirm the business did something outside the platform	A manual item, such as "Open a dedicated business bank account"
Collect a document or figure	A data collection item, such as "Upload a certificate of good standing"
Enforce a threshold the data can prove	A data-verified item, such as "At least two years in business." Cyphr AI checks this automatically.

You never write matching logic or tune a scoring model. Cyphr AI checks every business against your requirements and automatically completes anything it already meets. When all required items are complete, your program appears in that business's Capital Matches. If a business later falls out of compliance, the match ends.

Need a requirement that doesn't exist yet? Ask your platform's team to create it.