Underwrite the businesses your credit model keeps declining by default.
Personal credit, two years of returns, and collateral describe the owner — not the business. Cyphr reads operating behavior into an explainable 0–300 score, then sends you scored, packet-ready borrowers that match your credit box.
Two services. One pipeline that
never goes cold.
A three-year-old profitable business with no collateral shouldn't score below a dormant one with equity. Cyphr scores behavior, so you can price and approve files you currently have no basis to say yes to.
Deal matching
Tell us your credit box — amount, term, industries, geographies, minimum readiness. We send you scored, packet-ready small businesses that match. From the Cyphr network or embedded on your own site.
- Fit % per deal against your loan products
- Matched, not cold — only borrowers in your box
- Per-match or subscription pricing
- Multi-state coverage across capital programs
Intake & readiness
We act as your front door. Ready borrowers get onboarded, verified, and packet-prepared for handoff. Not-yet-ready borrowers stay in our continued oversight — coached to readiness so you don't lose the lead.
- Onboard & verify ready borrowers end-to-end
- Packet-ready handoff — no document scramble
- Nurture not-yet-ready with continued oversight
- Lead never lost — re-surface when they qualify
Use one. Use both. Same scoring engine, same packet format.
Not just a score.
A fit % per deal.
Define your loan products — amount range, term, industries, geographies, minimum readiness. Cyphr matches every scored business and ranks fit so your team triages winners first.
Matched deals delivered.
Packet-ready on arrival.
Every borrower that fits your credit box, with score, fit %, and packet completeness an underwriter needs to triage in seconds.
- Fit % against your active loan products
- Every read explained — defensible reasoning, not a black box
- Section 1071 reporting out of the box
- Estimated fundable range on every record
- Packet handoff — no document scramble
See a sample matched deal.
Enter your details to view a Cyphr readiness score and best-fit product on a demo applicant. Create an account to run on your own pipeline.
Stop sourcing. Start matching.
Per-match pricing. Embed or subscribe. 1071-compliant from day one.