Encina Business Credit is one of the country’s top independent asset-based lending platforms that provides financing to middle-market borrowers.

Headquartered in Chicago, with offices across the United States, the firm provides revolving lines of credit and term loans ranging in size from $10–$120 million which are secured by accounts receivable, inventory, machinery & equipment and real estate.   

Encina lends to both privately-owned and publicly traded companies across a wide range of industries, including manufacturing, retail, automotive, oil & gas, services, distribution and consumer products.  

Our borrowers use loan proceeds to address a variety of objectives, including seasonal working capital, acquisitions, refinancing, growth, turnarounds, debtor-in-possession (DIP) financing, plan of reorganization financing, and other special situations.

Since Encina is nonregulated, we can accommodate many situations that traditional lenders cannot. For example, positive cash flow and traditional covenant parameters are not necessary.

Launched in March 2016, with funding from an affiliate of Oaktree Capital Management, LP and several industry executives, Encina’s management team has an unparalleled level of experience.   For more background about the team visit our team page.

Over the three years since Encina’s inception, we have provided financing to nearly 50 middle market customers, totaling over $1 billion.  For details about some of these transactions see our recent transactions page.

If you are interested in working with an experienced and flexible lender that is able to move quickly to meet your needs, then please contact us here.

For more details, download our brochure