Encina Lender Finance

Encina Lender Finance provides unitranche and first-out/NAV credit facilities, generally $50-150 million, to specialty finance companies. It finances granular pools of short-to-intermediate duration consumer and small business collateral for asset originators. The firm leverages an integrated analytics stack for data-driven analysis, structuring, and post-close surveillance, ensuring robust and efficient credit solutions.

Launched in 2019, the company represents a strategic partnership between Encina Capital Partners and an affiliate of Oaktree Capital Management. This collaboration addressed a market need for tailored credit facilities for specialty finance. The initiative established an independent platform, offering specialized financing to commercial and consumer specialty finance companies across the U.S. and Canada.

Encina Lender Finance serves diverse asset originators, including consumer lenders for installment and vehicle finance, and commercial lenders for small balance SMB and merchant cash advances. It partners with Asset-Backed Finance funds for joint unitranche solutions. The company's vision is to empower specialty finance growth, providing flexible, analytically-driven credit facilities to effectively manage varied collateral.