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.

Management team with over 60 years of direct agent experience in Lender Finance. Our team has structured, managed, and closed 200+ credit facilities for various lenders throughout economic cycles.
We understand your finance vertical and will develop customized solutions to help you achieve your goals.

Our team has deep experience lending to specialty finance companies coupled with direct C-suite executive management experience building successful finance companies.