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Cyphr

Capital readiness infrastructure for the modern small-business economy. Cyphr provides a 0–300 capital readiness score built for the 80% of small businesses legacy credit models can't see.

Their llms.txt

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# Cyphr

> Capital readiness infrastructure for the modern small-business economy. Cyphr provides a 0–300 capital readiness score built for the 80% of small businesses legacy credit models can't see.

Cyphr replaces FICO SBSS with a transparent, explainable readiness score used by small businesses, lenders, ecosystem service organizations (ESOs), and governments to underwrite, support, and deploy capital. Cyphr is not a lender and does not give advice — it translates business behavior into a score and a lender-ready packet.

## Key facts

- Score range: 0–300, industry-normalized, explainable input by input.
- Built from connected bank/cash-flow data plus operating, compliance, and licensing signals — no formal P&L or accountant required.
- Output: a Capital Readiness Score plus a standardized lender-ready packet, generated in minutes.
- Owner personal credit is a small input, not the deciding one.
- Section 1071 data fields are captured natively at intake for lender compliance.
- SOC 2 Type II compliant, annual audit cycle. Business data is never sold.
- Contact: info@cyphrai.com (general), partnerships@cyphrai.com (lenders, cities, states), security@cyphrai.com (security).

## Pages

- [Home](https://www.cyphrai.com/): Overview of the Cyphr capital readiness score and platform.
- [For Businesses](https://www.cyphrai.com/businesses): How small businesses use Cyphr to become capital-ready.
- [For Lenders](https://www.cyphrai.com/lenders): How lenders use Cyphr to underwrite thin-file SMBs.
- [For ESOs](https://www.cyphrai.com/esos): How ecosystem service organizations support clients with Cyphr.
- [For Governments](https://www.cyphrai.com/governments): How public agencies deploy capital with Cyphr.
- [Platform](https://www.cyphrai.com/platform): The Cyphr platform and underlying scoring infrastructure.
- [Whitepaper](https://www.cyphrai.com/whitepaper): The Capital Readiness Gap — why 80% of small businesses are invisible to lenders.
- [Resource Match](https://www.cyphrai.com/match): Matches small businesses to capital and support resources.
- [About](https://www.cyphrai.com/about): About Cyphr and the team.
- [Security](https://www.cyphrai.com/security): Security posture, controls, and certifications.
- [Careers](https://www.cyphrai.com/careers): Open roles at Cyphr.
- [Blog](https://www.cyphrai.com/blog): Articles on capital access, underwriting, and SMB finance.
- [Events](https://www.cyphrai.com/events): Upcoming and past Cyphr events.
- [Press](https://www.cyphrai.com/press): Press coverage and media resources.
- [Partners](https://www.cyphrai.com/partners): Cyphr's ecosystem of partners.
- [Demo](https://www.cyphrai.com/demo): Request a demo of the Cyphr platform.
- [FAQ](https://www.cyphrai.com/faq): Frequently asked questions about the score, data, and pricing.
- [Contact](https://www.cyphrai.com/contact): Get in touch with Cyphr.

## Optional

- [Technical Assistance](https://www.cyphrai.com/solutions/technical-assistance): Solutions for
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