Headquartered in Atlanta, Encina Lender Finance (ELF) provides senior credit facilities ranging in size from $10 – $150 million to commercial and consumer specialty finance companies in the U.S. and Canada.

We target a wide range of asset classes that includes, but is not limited to, asset-based lending, factoring, equipment leasing, floorplan financing, commercial real estate bridge lending, tax lien/deed financing, venture debt lending, SMB lending & merchant cash advance, middle-market private credit, charged-off debt buyers, rent-to-own consumer leasing, unsecured consumer lending and specialized student lending.

We deploy senior debt capital secured by notes, loans or leases to select commercial and consumer specialty finance companies that possess strong management teams and a prudent credit culture.


Our team has 100+ years of combined direct agent lending, investment banking, and operational experience in lender finance. We have structured, managed, and closed credit facilities across various asset classes and cycles.


We have the flexibility in our mandate to develop customized credit solutions to enable our borrowers to achieve their desired growth.


We possess deep industry vertical expertise coupled with
direct C-suite executive management experience building successful finance companies.