Track record

• $6+ billion in cumulative commitments across 200+ transactions since launch.
• Launched, scaled and monetized two prior platforms in 2021 at meaningful premiums to book value
  • Encina Business Credit (launched in 2016; sold to funds affiliated with Barings and re-named Eclipse Business Capital)
  • Encina Equipment Finance (launched in 2017; sold to funds affiliated with Benefit Street Partners and re-named Post Road Equipment Finance)
• Today, our focus is on continuing to grow Encina Private Credit and Encina Lender Finance

Where we operate

Our 40+ employees are based throughout the U.S. with primary office locations in Atlanta, New York City, Norwalk (CT) and San Francisco.

How we work

• Speed & certainty from mandate to close.
• Flexible structuring tailored to borrower’s growth objectives.
• Partnership orientation – we are a relationship lender, not a transactional lender.

Investment Philosophy

• Purpose‑built structures that fit a given asset, the cash flows, and the plan—not a one‑size‑fits‑all template.
• Fast, accountable execution with clear milestones and an emphasis on transparency.
• Active, data‑driven monitoring that protects capital without getting in the way of borrowers running their businesses.
• Collaborative approach with management teams, direct lenders and sponsors to solve problems early.

Business Principles

• Exceed expectations – Anticipate needs, communicate early and deliver efficient execution from term sheet through funding and loan servicing.
• Operate with urgency – We move fast with clear next steps and accountability.
• Certainty of execution – We do what we say, on the timeline we commit to—predictable processes and high close rates once green‑lit.
• No bureaucracy & agile decision-making – Lean teams, direct access to decision‑makers, streamlined investment committees.
• Teamwork & cross‑functional collaboration – Origination, underwriting, risk, portfolio, operations and finance functions work as one.
• Act with utmost integrity – Transparent terms, honest risk assessment and ownership when we miss.
• Be kind and respectful – Professionalism toward colleagues, borrowers/partners and advisors is non‑negotiable.

EXECUTIVE LEADERSHIP

Our executive leadership team has extensive experience in commercial finance with a strong background in private equity, principal finance, risk management, restructuring and capital markets. This team provides strategic support to the management teams at each of Encina Private Credit and Encina Lender Finance.