The demand is local
You don’t have to find businesses. They already come to you. A center turns those conversations into readiness and fundings.
Capital Access Centers
Open a Capital Access Center in your community.
A proven model for getting small businesses ready for capital, and funded. You bring the community and the people. We bring the platform, the playbook, the training and the network.
Day 90 at a centerEastside Capital Access Center
7 ready to routeRosa’s TamalesFood service
238ReadyFile sent to 3 lendersFieldstone LandscapingConstruction
191On pathSeparate business accountNorthside Barber Co.Personal care
224ReadyAdvisor review todayLumen TutoringEducation
146On pathThree months of clean booksAvg. score up +22 since intake$186K funded this cohort
Illustrative example
The opportunity
The businesses are already at your door. Most of them can’t be read.
Every week, owners walk into chambers, libraries, SBDCs and community organizations asking the same thing: can I get money for my business? Most are real businesses that run on Square, Cash App and a checking account. A lender can’t see them. A Capital Access Center is where they finally get an answer.
The model is built
Intake, scoring, coaching, routing and reporting are already designed and running. You don’t start from a blank page.
The results are yours
Every business you get ready and every dollar they’re funded counts toward your mission, in numbers your funders trust.
What you get
Everything it takes to open the doors.
The platform
Every business gets a verified financial picture from its own accounts, a 0–300 readiness score and a step-by-step plan. Your advisors see it all in one dashboard.
The playbook
A tested operating model for walk-in visits and structured cohorts, from first conversation to funded.
Training and certification
Your staff become Cyphr Certified Readiness Advisors, trained to coach on real numbers.
The network
Ready businesses go to lenders and programs as decision-ready files. Your center plugs into a network that already reads the same score.
The brand
Open as a Cyphr Capital Access Center, or run it under your own name with a white-label package.
Reporting, built in
Fundings, readiness and score movement by cohort and neighborhood, ready for your board and your funders.
One standard, every center
Ready means the same thing everywhere.
Every center runs on the same score, the same playbook and the same reporting. A business scored in Detroit means the same thing to a lender in Kansas City. That consistency is what makes a center’s “ready” worth something, and what makes the whole network stronger every time a new center opens.
How a center runs
Two tracks. One answer for every owner.
Come in with a question. Leave with an answer.
An owner connects their accounts with an advisor. Same day, they know where they stand, what to fix and who will say yes.
Start with a score. Graduate ready.
Every participant starts with a score and a plan. Your curriculum meets them where the plan says they are. At graduation, you know exactly who moved and who’s ready to fund.
Who opens a center
Organizations already trusted in their community.
Our operators include
Entrepreneur support organizationsAcceleratorsChambers of commerceSmall business development centersCDFIsLibrariesCity economic development offices
What we look for
Roots in the community you’ll serve
Staff ready to coach business owners
A commitment to measuring results, not activity
Relationships with local lenders, or the will to build them
The network today
Centers open and on the way.
Every new center joins the same standard, so a business made ready in one community reads the same to lenders everywhere.
Launching
- Keystone CoLABKansas City, MO
- The SourceSouth Florida
- Tuskegee CACTuskegee, AL
Opening your center
From application to open doors.
01
Apply
Tell us about your organization and the community you serve.
02
Fit conversation
We walk through the model, your goals and your local lenders.
03
Set up
We configure the platform, your brand and your reporting.
04
Certify your team
Your advisors complete Readiness Advisor training.
05
Open the doors
Walk-ins and your first cohort start the same week.
06
Report results
Your first outcome report is ready when your first businesses are.
The investment
One annual license. Everything to open.
Setup, training and your first 100 assessments come with launch. Volume beyond that is priced on one simple schedule.
Platform and advisor dashboard
Walk-in and cohort playbook
First 100 readiness assessments
Certified Readiness Advisor training
Access to the lender and program network
Built-in outcome reporting
Recurring revenue share on the network
Questions operators ask
Do we need a storefront?
No. A center can be a storefront, a desk inside a library or chamber, or fully online.
Can we use our own name?
Yes. Open as a Cyphr Capital Access Center or run it under your brand with a white-label package.
Who does the coaching?
Your team. We train and certify them, and give them the numbers. The relationship with each owner stays yours.
Do lenders have to sign up?
No. Lenders receive verified, scored files. Those who want more can run their own Lender Workbench.
Bring a Capital Access Center to your community.
We’re opening a limited number of centers. Tell us about your organization and we’ll set up a fit conversation within a few business days.