EnFi, a Boston-based company building AI agents for commercial lending, has raised $15 million in Series A funding. The round includes investors connected to more than 150 banks.

That detail stands out. This is not generic venture interest in AI. This is capital that sits very close to lenders who deal with credit teams every day.

With this round, EnFi’s total funding reaches about $22.5 million, following a $7.5 million seed round in 2024.

The investors behind the round

The Series A was led by FINTOP, with participation from Patriot Financial Partners, Commerce Ventures, Unusual Ventures and Boston Seed Capital.

These firms are known for deep relationships in banking, especially with regional and community institutions. The target user for EnFi’s platform is not a global bank with large internal teams. It is lenders that struggle to hire and retain enough experienced credit analysts.

The investment thesis is tied directly to that constraint.

The problem EnFi is addressing

Banks are facing a shortage of credit talent. There are not enough experienced analysts to keep up with demand. This limits how many loans a lender can properly assess and process.

Leadership teams are left with a trade-off. Slow down growth or stretch existing teams.

EnFi positions its AI agents as a way to increase the capacity of credit teams without adding headcount.

What the AI agents actually do

According to the company, EnFi’s AI agents handle end-to-end commercial lending tasks. This includes screening new deals, underwriting loans, monitoring risk and managing data workflows tied to credit operations.

The framing is practical. AI takes on the repetitive and structured work. Human analysts focus on judgment, exceptions and decision making.

The company states that these agents can become productive within 60 to 90 days of deployment, acting as virtual co-workers inside credit teams.

Why this matters for smaller lenders

Large banks can invest heavily in technology and hiring. Regional and community banks often cannot.

Tools that increase the output of existing teams without requiring large hiring plans change the equation. Investors backing EnFi are signaling that this model has real demand from lenders who feel the pressure of limited credit capacity.

The emphasis is not on replacing people. It is on extending what existing teams can handle.

If this approach scales, the structure of credit operations may start to look different. Fewer analysts doing more work, supported by AI agents running in the background.

Key takeaways for fintech startups

A few signals from this round are worth noting for fintech builders.

• Banks are interested in AI that performs real operational work inside regulated workflows, not just surface automation.
  
  
• Talent shortages in credit functions create a clear opening for products that expand team capacity.
  
  
• Investors with direct banking relationships are backing tools that address everyday operational constraints.
  
  
• AI agents working alongside humans are gaining acceptance as part of credit team design.

If you are building products for lenders or thinking about how AI fits into banking operations, this shift is worth studying. If you want to discuss how these changes could affect your strategy or product direction, contact us.