Headquartered in Atlanta, Encina Lender Finance offers revolving lines of credit and term loans ranging in size from $10 – $50 million to emerging and established specialty finance companies (sponsor and non-sponsor backed) across a wide range of asset classes including, but not limited to, asset-based lending, factoring, equipment finance, insurance finance, private credit (including venture debt), consumer lending, merchant direct (point of sale) and skills training finance.

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.