Creating the ecosystem your businesses deserve.
Cyphr is the capital readiness infrastructure designed to ignite local economic growth.
Our platform makes it easy to coordinate businesses, lenders, ESOs, and capital deployment—creating a seamless path from SMB readiness to funding to economic growth.
89/100
As seen in
The Bottleneck in Economic Mobility
Missing infrastructure, selection bias, and misinterpretation.
Every actor in the ecosystem, from lenders, to ESOs, to city/state economic development is forced to make decisions with incomplete, inconsistent, and incompatible data about the businesses they serve.
Meet Cyphr
Connect your ecosystem around a single source of truth: business readiness.
A modern infrastructure layer that makes modern small businesses interpretable to everyone. When this happens, network effects start working, capital flows where it should, programs scale, and governments reach impact and funding goals. Repeat.
Proprietary Model
Translate every business—no matter the revenue model, geography, or industry—into a canonical readiness profile that lenders, cities, and programs can trust and act on immediately.
Outcome Tracking
Track every outcome: approvals, declines, capital flow, business growth so readiness scoring gets smarter with every decision and your ecosystem improves over time.
Ecosystem Intelligence
Aggregate SMB readiness and resource needs across your ecosystem in real time—turning thousands of individual assessments into actionable intelligence about where intervention actually works.
Ecosystem Collaboration
Connect cities, lenders, and support organizations around a single source of truth—turning fragmented programs into a coordinated ecosystem where readiness compounds and capital flows efficiently.
Usecases
Cyphr adapts to every role in the capital ecosystem.
Whether you’re deploying capital, supporting entrepreneurs, designing policy, or building financial products, Cyphr acts as the intelligence layer that makes every decision connect and align.
Watch it live!
See how a connected ecosystem runs.
Watch how Cyphr unites your impact data, your stakeholders, resources and small businesses — all powered by AI.
Live Demo
Schedule a live demo with our CEO.
About Cyphr
Built by Practitioners, not Theorist
Founded by finance and economic development experts who've built teams to multiple exits.
FAQ
Frequently Asked Questions
What makes Cyphr different from other lending platforms?
We're not a lending platform. We're infrastructure. Cyphr sits upstream of underwriting as the readiness layer that cities, lenders, and ESOs depend on to assess businesses. We don't make lending decisions — we provide the intelligence that makes better decisions possible.
How does Cyphr handle businesses with non-traditional revenue?
Our Financial Language Model was built specifically for modern businesses — platform income, gig work, seasonal patterns, multi-source revenue. We translate fragmented signals that legacy systems can't interpret into structured readiness profiles that lenders can trust and act on.
Do businesses get matched to multiple lenders?
Yes. Business Users may be matched to multiple institutions and technical assistance providers based on not only their readiness, but their gaps which prevent capital and resources from scaling.
What data does Cyphr collect, and who owns it?
Business Users own their data. We collect only what's necessary for readiness assessment and only share data with lenders or programs after explicit consent. All data handling is SOC 2 Type II compliant with encryption in transit and at rest.
What happens if a business isn't ready for capital yet?
That's exactly what we're designed for. Every assessment includes a prioritized Action Plan showing specific steps to close readiness gaps. ESOs and cities use these to deploy targeted support where it actually moves businesses forward.
How do you measure program success?
We track businesses assessed, readiness improvements over time, capital matched, loans funded, and disaggregated outcomes by demographic. Every partner gets real-time dashboards and quarterly impact reports showing what's working.
How does pricing work for ecosystem partners?
Pricing varies based on partnership type (city, state, ESO, lender) and program scope. We work with grant-funded pilots, annual subscriptions, and usage-based models. Contact us to discuss what works for your ecosystem.
