EnFi is an AI-powered fintech platform for lenders and private credit firms. It automates credit analysis, underwriting, and portfolio monitoring to help teams assess risk faster and manage more loans.
Access to pre-IPO shares is available to accredited investors through UpMarket.
EnFi shares are not on public exchanges. UpMarket provides accredited investors access through secondary market transactions.
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| Date | Round | PPS (split-adj.) | Valuation |
|---|---|---|---|
| Feb 2026 | Series A | ||
| 2023 | Seed |
EnFi announced a $15 million Series A on February 4, 2026, bringing total funding to $22.5 million. The company said it is already working with more than 150 banks, a customer base that signals growing lender adoption of its AI lending workflow platform.
EnFi describes its product as an AI-native platform that delivers agents to complete end-to-end commercial lending workflows, including origination, underwriting, and portfolio management. The company says its software is built to accelerate complex credit analysis and risk monitoring for lenders.
EnFi’s investors said lenders are pre-funding AI infrastructure as an analyst shortage persists, implying strong demand for automation in credit workflows. The company targets private credit and lending teams that need faster underwriting and ongoing portfolio monitoring across complex loan books.
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No. As of March 2026, EnFi is a private company and does not trade on any public stock exchange. Accredited investors can access EnFi shares through UpMarket, a FINRA-registered broker-dealer that specializes in pre-IPO investments.
EnFi does not have a public stock price because it is privately held. The most recent known share price comes from its last funding round. Pre-IPO share prices on the secondary market may differ from the last round price depending on supply, demand, and market conditions.
Yes. Accredited investors can indicate interest in EnFi shares through UpMarket by filling out the form on this page or creating an account at upmarket.co. All pre-IPO offerings are subject to availability and require a $50,000 minimum investment. UpMarket is a FINRA-registered broker-dealer and has brokered alternative investments since 2019.
Pre-IPO investments carry significant risks. EnFi shares are illiquid, meaning there is no public market to sell them quickly. There is no guaranteed exit timeline or return. The investment is speculative in nature, and investors should be prepared for the possibility of total loss. Valuations of private companies can fluctuate substantially between funding rounds. Investors should consult their financial advisor and review all offering documents before investing.
In a pre-IPO transaction, accredited investors purchase shares from existing shareholders (such as employees, early investors, or other holders) through secondary market platforms. The company itself does not issue new shares in these transactions. UpMarket facilitates these trades as a FINRA-registered broker-dealer, handling compliance, documentation, and settlement on behalf of both parties.
There are two primary exit paths for pre-IPO holdings: selling your shares on the secondary market to another buyer, or holding until the company completes an IPO or is acquired. Both paths are subject to transfer restrictions, company approval (right of first refusal), and market conditions. The timing of any exit is unpredictable, and investors should plan for a multi-year holding period.
The minimum investment for most pre-IPO offerings on UpMarket is $50,000. This amount may vary depending on the specific offering and share availability. There are no fees to create an UpMarket account or browse available investments. Investors only pay transaction-related fees when they complete an investment.
UpMarket's valuation estimate is derived from a proprietary model that incorporates multiple data sources: funding round data (Caplight), revenue estimates (Sacra), secondary market pricing, and public company comparables. The model applies a private company discount to the public comp multiple to account for illiquidity and information asymmetry. This estimate is not investment advice and may differ substantially from the price at which shares actually trade.
EnFi’s AI-powered fintech platform automates credit analysis, underwriting, and portfolio monitoring for lenders and private credit firms, and its recent $15M Series A after working with 150+ banks underscores traction. Accredited investors can access EnFi stock through UpMarket.