Grow your portfolio
With less risk
The proven leader in alternative credit scoring
We have 10 years of experience applying psychometrics and behavioral science to loan repayment. That means we know how personality drives credit risk, across cultures and segments. And we apply this knowledge to effectively score anyone, anywhere, at any time. Over 35 lenders across 15 countries trust EFL to safely grow their lending portfolios. With more than $1.5 billion lent across hundreds of thousands of loans, EFL will empower you to grow without the risk.
Assess and manage individual default risk. Incorporating character and willingness to pay means building better quality, more profitable portfolios.
By enhancing your understanding of consumer and small business risk, you can safely grow your customer base. Fortify your competitive advantage by utilizing predictive information other lenders lack.
Integrate EFL into your existing credit and scoring processes. By automating and streamlining the loan decision-making process, you’ll save time and money.
Global Reach, Local Understanding
EFL is already working across four continents and 15 countries.
English Homepage Map
- EFL Offices
- EFL Partner Locations