# Encina Lender Finance

Encina Lender Finance is a Lender Finance based in Alpharetta, United States.

## Overview

- **Organization type:** Lender Finance
- **Headquarters:** Alpharetta, United States
- **Region:** North America
- **Address:** Alpharetta, GA, United States
- **Founded:** 2020
- **Assets under management:** Undisclosed
- **Website:** https://lenderfinance.encinacapital.com
- **LinkedIn:** https://www.linkedin.com/company/encina-lender-finance-llc

## Regulatory record

- **Reports private funds:** No

## About

Encina Lender Finance is a specialty finance company founded in 2020 in Alpharetta, Georgia. It provides revolving lines of credit and term loans to emerging and established specialty finance companies. The company's services cover asset-based lending, factoring, equipment finance, and consumer lending among others.

## Sectors

- Private Credit
- Specialty Finance

## Questions

### What is Encina Lender Finance's investment approach to risk?

Encina underwrites both the specialty finance platform and the underlying asset pool. For the platform, it evaluates management track record, operational controls, and servicing infrastructure. For the assets, it looks at historical default curves, recovery rates, and cash-flow timing. Structurally, the firm uses conservative advance rates, cash-flow waterfalls, and financial covenants including portfolio-performance triggers. The goal is to maintain senior secured exposure with a significant equity cushion beneath its position.

### Where is Encina Lender Finance based?

The firm is headquartered in Alpharetta, Georgia, a suburb of Atlanta. This location reflects a broader presence for the Encina platform, which maintains operations outside traditional financial centers. Alpharetta houses the investment team managing the lender finance strategy, with deal sourcing spanning specialty finance companies nationwide.

## Related profiles

- [Squirro](https://altss.com/profile/squirro-ag)
- [Salvia Group](https://altss.com/profile/salvia-group-gmbh)

---

Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/encina-lender-finance

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology