Headquartered in Atlanta, Encina Lender Finance offers revolving lines of credit and term loans typically ranging in size from $20MM – $100MM to emerging and established specialty finance companies across consumer and commercial asset classes. Targeted consumer asset classes include secured vehicle finance, unsecured installment and revolving loans (direct-to-consumer or POS), and debt consolidation loans. Targeted commercial asset classes include asset-based lending, factoring, equipment finance, floorplan finance, private credit, CRE bridge lending, and SMB 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.