EnFi secures $15m Series A to scale AI credit workforce

February 4, 2026

EnFi, an AI-native platform delivering agents to automate end-to-end commercial lending workflows, has raised $15m in Series A funding.

The funding round brings EnFi’s total capital raised to $22.5m and was led by FINTOP, with participation from Patriot Financial Partners, Commerce Ventures, Unusual Ventures and Boston Seed Capital.

The investor group collectively works with more than 150 financial institutions.

Proceeds from the Series A will be used to scale EnFi’s technology, expand its team and accelerate go-to-market efforts.

EnFi works with banks, private credit funds, credit unions and FinTech lenders to deploy targeted agents across the commercial lending lifecycle, from deal screening to portfolio monitoring. These agents can be operational within 60 to 90 days, acting as virtual co-workers that expand the capacity of credit professionals.

Joshua Summers, co-founder and CEO of EnFi, said, “We have seen this consistently across hundreds of conversations with lenders.

“Our investors have wide exposure to the challenge through their banking LP networks and portfolio investments. They are investing in agentic human infrastructure, not just software. EnFi enables commercial lenders to operate beyond traditional capacity limits while strengthening risk oversight and accelerating credit decisions.”

John Philpott, partner at FINTOP, said, “The human talent pool cannot scale at the rate credit demand is growing. Our investment in EnFi reflects our belief that AI isn’t replacing human judgment but instead creating the capacity for humans to exercise that judgment at scale.”