One source of truth
Built from the business’s own accounts, for everyone: owner, coach, lender and program working from the same numbers.
Ecosystems and businesses thrive on Cyphr
The shared platform that keeps businesses and everyone backing them moving together, from one live picture.
Shared with your coachYour next steps, in one place
Match foundCapital that fits your business
Gap spottedUnder 30 days of cash reserves
Program updateCohort report ready for your funder
As seen in
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Cyphr brings together business health 247, readiness scoring , and capital matching in one shared platform.
Cash reserves lowGap
Under 30 days · See the next step →
SBA MicroloanMatch
Criteria aligned · Review your match →
Tax return missingAction
Complete your lender-ready packet →
Sees what’s ahead
Gaps, risks, readiness and matches, surfaced before anyone goes looking.
Readiness across
your cohortLive
your cohortLive
Funder report ready to share
Reporting, automated
Outcomes by cohort and geography build in the background, so programs prove impact instead of chasing spreadsheets.
One picture,
everyone
Business ownerYour business. Your next step.
See your readiness, close the gaps, and share your story with the right people.
The owner’s view
Business coachA clear plan for every business.
Turn shared business insights into focused coaching and actionable next steps.
The coach’s view
Community lenderThe whole business, not just a file.
Review readiness and verified operating data to find businesses that fit.
The lender’s view
Program leaderYour ecosystem’s impact, connected.
Follow progress across businesses, cohorts, and geography from one shared picture.
The program’s view
Main Street businessMore time for the business you built.
Bring your accounts, support team, and capital opportunities together.
The business’s viewBusiness owner 1 / 5
Intake forms, spreadsheets and referrals by email left every organization with its own partial view of the same business. Cyphr gives the whole ecosystem, and the business at its center, one live, shared truth.
For the ecosystemSee it for your program
Stop chasing paperwork. Start funding businesses.
Cyphr is the shared platform built for the organizations that back small businesses. Intake, assessments, coaching, referrals and funder reporting in one place. See which businesses are ready, which are close and what each one needs, before they ask.
IntakeOne shared starting point
CoachingClear next steps
ImpactReporting that keeps up
For businessesGet your free score
Your numbers, your score, your next step. In one place.
The free platform where your bank and sales accounts become a clear picture of your business’s health. See where you stand, what’s holding you back and exactly what to fix, with your coach and lenders looking at the same numbers.
FreeTo start
0–300Readiness score
LiveShared with your program
From connected accounts to your next move
How it works
Bank accountsSales accountsCash flow
One live picture
01
Connect
Bank and sales accounts sync into one live picture of the business, shared with everyone backing it.
Readiness score · Example
247/ 300
ReadinessRiskEconomic value
02
Understand
Cyphr scores readiness, spots gaps and benchmarks the business against its peers, in the background.
Lender-ready packet
Ready to share
Your next moveCapital · Programs · Contracts
03
Move
Live matches to lenders, programs and contracts, and the exact next step for every business that isn’t ready yet.
Bank-grade security.
Lender-grade accuracy.
Your data stays yours
Businesses choose what they connect and who sees it. Your business data is never sold.
Neutral by design
We don’t lend, so we never compete with the programs and lenders we serve.
Built to be audited
SOC 2 certified. Secure infrastructure and explainable scores built for the institutions that rely on them.
Your whole ecosystem,
on one shared truth.
Get started today.
See it for your program