The EFL technology that allows for profitable large-scale lending to small business owners lacking credit history and collateral

As the market leader in alternative credit scoring for more than 10 years, EFL helps lenders in emerging markets responsibly lend to more people. Our proven track record of serving financial institutions across Latin America, Asia and Africa, has resulted in over 1.5 billion dollars of loans disbursed. Using cutting edge psychometrics and behavioral data science – that can be applied universally to any prospect – we help lenders turn a ‘No’ into a ‘Yes.’

EFL, a product of its early Harvard research, has been recognized by the G-20 as one of the most innovative approaches to SME finance globally.

Latest news ( october 19,2017)

Lenddo and Entrepreneurial Finance Lab (EFL), leaders in credit decisioning for emerging markets, today announced they are joining forces. Lenders will use the combined company’s unique platform to provide individuals worldwide with unprecedented, affordable access to convenient financial products.


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