Operating from both coasts, ELF offers revolving lines of credit, delayed draw term loans, and forward flow purchase programs ranging in size from $50 – $150 million to emerging and established specialty finance companies with strong junior capital sponsorship across a wide range of short-to-intermediate duration asset classes in the consumer and commercial finance sectors. Targeted consumer asset classes include unsecured installment and revolving loans (direct-to-consumer and point-of-sale), secured vehicle finance, home improvement, and student lending (in-school vocational, refi). Targeted commercial asset classes include asset-based lending, factoring, equipment finance, floorplan finance, CRE bridge lending, enterprise value lending, and small balance SMB lending (both direct-to-business and embedded point-of-sale). In addition, ELF provides streamlined “first-out” financing to other like-minded private credit investors in the specialty finance sector. ELF utilizes a combination of cutting-edge technologies and rigorous collateral-level analysis to generate differentiated investment insights and to formulate creative solutions to its counterparties’ portfolio and enterprise financing needs.

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.