Cyphr
Cyphr
Cyphr
Cyphr scores how small businesses actually operate, combining readiness, risk, and economic value into one lender-grade 0–300 score with a verified, owner-consented readiness packet.
Cyphr scores how small businesses actually operate, combining readiness, risk, and economic value into one lender-grade 0–300 score with a verified, owner-consented readiness packet.
Overview
Cyphr reads a business's bank transactions in industry context, along with operational signals from public and ecosystem sources, to produce an explainable readiness score. It uses the same 0–300 scale as FICO SBSS, which the SBA stopped requiring for 7(a) Small Loans on March 1, 2026. Lenders get scored, packet-ready businesses matched to their credit box, including thin-file borrowers their models can't currently evaluate. Cyphr is SOC 2 certified.
Use Cases
Score SMB applicants on operating behavior, not just the owner's personal credit, to underwrite thin-file borrowers in a LendAPI flow.
Use the 0–300 score on SBA 7(a) Small Loans now that SBSS is no longer required.
Receive standardized, owner-consented readiness packets in place of scattered PDFs.
Get pre-matched, scored businesses that fit a defined credit box.
Overview
Cyphr reads a business's bank transactions in industry context, along with operational signals from public and ecosystem sources, to produce an explainable readiness score. It uses the same 0–300 scale as FICO SBSS, which the SBA stopped requiring for 7(a) Small Loans on March 1, 2026. Lenders get scored, packet-ready businesses matched to their credit box, including thin-file borrowers their models can't currently evaluate. Cyphr is SOC 2 certified.
Use Cases
Score SMB applicants on operating behavior, not just the owner's personal credit, to underwrite thin-file borrowers in a LendAPI flow.
Use the 0–300 score on SBA 7(a) Small Loans now that SBSS is no longer required.
Receive standardized, owner-consented readiness packets in place of scattered PDFs.
Get pre-matched, scored businesses that fit a defined credit box.
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© 2026 LendAPI, Inc. All rights reserved.
LendAPI
Solutions
Recognition
Backed by
© 2026 LendAPI, Inc. All rights reserved.
LendAPI
Solutions
Recognition
Backed by
© 2026 LendAPI, Inc. All rights reserved.
LendAPI