Make capital readiness
your
Most tools filter out 80% of small businesses. We built infrastructure that brings them in. Cyphr turns readiness into real results—funding, growth, and economic opportunity—at scale.
Purpose Built Financial Model
Trained on the community you serve
Recognized for Impact
Backed by awards, partnerships, and real-world traction
From Unclear to Capital-Ready in Minutes
How is Cyphr Being Used?
Pre-Loan Readiness Checks
Business owners complete a guided readiness assessment that identifies gaps during onboarding—saving time for both borrower and lender.
Grant & Program Intake
Cities and ecosystem builders use Cyphr to collect standardized applications and determine eligibility with AI-powered insights.
Embedded Technical Assistance
Advisors and ESOs get automated action plans, financial packets, and readiness scores they can build on—not recreate from scratch.
Loan Application Generation
Cyphr turns 5 inputs into full financials, loan packets, and underwriting data—automatically, in minutes.
Impact Reporting at Scale
Capture longitudinal data, engagement metrics, and financial progress across hundreds of small businesses without manual follow-up.
Capital Access Centers
State and local partners use Cyphr to launch centralized, tech-enabled hubs that assess readiness, connect businesses to capital, and track outcomes over time.
Made for the Builders. Backed by Intelligence.
Cyphr was designed for the ones laying foundations, hiring teams, and pushing through the chaos of growth. We turn hustle into action plans and make funding feel frictionless.
Get Loan Ready without Guesswork.
From business plans to financials, Cyphr builds your capital packet in minutes—not months. No templates, no confusion—just exactly what lenders need to say yes.
Action Plans that Actually Work
Get more than a score. Cyphr gives you a personalized step-by-step action plan to help you qualify faster, improve cash flow, and unlock funding options that match your goals.
No Paperwork Required
Just 5 inputs and 5 minutes
Comprehensive Action Plan
Instant Receipt
Purpose Built Financial AI for Capital Deployment.
Cyphr is the intelligence layer for funding the real economy. We unify readiness, verification, and underwriting into one seamless system—trained on the right data, built for the right mission, and designed to get capital where it’s needed most.
10M
Data Sources
98.6%
Success Rate
$4 returned
For every $1 deployed
Trusted Data Partners
We partner with trusted data providers to bring the highest‑quality financial information to our platform. Their partnership brings in over 10M data sources, combined with Cyphr's technology, to give customers the clarity and confidence they need to move fast.
Plaid
Access financials from the source of truth
Middesk
Business Verification
Persona
Identity Verification
Frequently Asked Questions
Do you want to learn more about us, let’s go the blog page.
