Make every borrower legible to capital.
Cyphr translates raw small-business operations into the exact signals each capital program needs to say yes — bank, SBA, CDFI, state revolving funds, grants. We meet borrowers where they are and walk them to packet-ready.
From raw operations to packet-ready — in one workflow.
Most small businesses aren't unfundable — they're unreadable. Cyphr captures the signal, fixes what's missing, and translates the result into each program's language.
Capture the real picture
Cash-flow native intake. We pull from bank data, accounting, point-of-sale, and operational sources to build a 0–300 readiness signal without a credit pull.
- 12-month cash flow normalized across sources
- Ownership & entity verified at intake
- Industry & geography context layered in
- 0–300 score — the same signal lenders see
Coach to readiness
If a borrower isn't ready, we don't drop them — we hold them. Continued oversight with concrete next steps, document prep, and re-scoring as their picture improves.
- Gap analysis against each target program
- Document prep — checklist, not scramble
- Coaching prompts for owners and TA staff
- Re-score on change — surface as soon as eligible
Translate to capital programs
Same business, many doors. Cyphr maps the borrower's profile to the eligibility and packet requirements of every capital program in scope — and routes accordingly.
- Multi-program eligibility in one view
- Packet alignment per program format
- Routing to the lender / fund most likely to close
- Audit trail for 1071 and program reporting
One readiness profile.
Every door a small business can knock on.
The Cyphr profile is translated into the exact eligibility, documentation, and reporting format each capital program expects.
Built for ESOs, CDFIs, and
capital access centers.
Cyphr is the operating layer behind technical assistance — so coaches and counselors spend their time advising, not chasing documents or guessing at eligibility.
- Caseload dashboard — every borrower, every status
- Program library — kept current across federal, state, local
- Outcome tracking — funded, declined, recycled to readiness
- Reporting — 1071, program metrics, funder reports
You already provide TA.
Cyphr lets you scale it.
Every CDFI offers some form of technical assistance — but staff capacity caps how many borrowers can actually be coached to fundable. Cyphr is the operating layer that lets a small TA team cover a much larger pipeline without losing the high-touch relationship CDFIs are known for.
Coach more borrowers per staffer
Auto-generated gap analysis, document checklists, and re-scoring mean coaches spend their hours on judgment calls — not chasing bank statements or guessing at eligibility.
- Triage by readiness — focus where you can move the needle
- Self-serve intake — borrowers arrive with the basics done
- Re-score on change — surface coached borrowers automatically
Convert TA into closed loans
Borrowers who get coached to readiness flow straight into your underwriting queue — packet-ready, in your CDFI's preferred format, with the audit trail funders and regulators expect.
- Packet-ready handoff — directly into your underwriting
- 1071 & funder reporting built in
- Outcome tracking — funded, declined, in oversight
Refer out what you can't fund
When a coached borrower is a better fit for SBA, a bank partner, or a state program, Cyphr maps them and routes — so the borrower still gets capital and the TA hours you invested aren't wasted.
- Multi-program eligibility from one profile
- Warm referrals with full packet handoff
- Continued oversight until the borrower is funded
Built for CDFI loan funds, MDIs, and mission lenders running TA at the edge of capacity.
Make your borrowers legible to capital.
One readiness profile. Every program in scope. No lead left behind.