THERE’S A BETTER WAY TO ASSESS RISK HOLISTIC, SCIENTIFIC, UNIVERSAL

Our products quantify individual character—for all financial institutions across any culture.

For Businesses For Consumers

Tour EFL's Methodology
  • Holistic Understanding

    We help lenders measure something that all borrowers have - character, their abilities, and willingness to repay. Gauging ethics, honesty, intelligence, attitudes and beliefs, we develop a deeper and more quantitative understanding of risk.

  • Scientific Approach

    EFL’s credit scoring algorithms are built on top of the largest and fastest growing outcome-based psychometric database. The program is self-learning and constantly incorporates new data to maximize predictive power. Our leading edge statistical techniques learn and adapt quickly to prevent fraud and gaming.

  • Universal Application

    Our content is developed by pioneering psychometric researchers and customized across cultures and product types to measure risk for any individual, anywhere. EFL’s technology integrates easily with existing systems to adapt to your processes and customer base.

Our products reveal a new dimension of information, which creates opportunities and quantifies risk for any individual.

EFL FOR BUSINESS LENDING

It’s a competitive advantage. Banks in emerging markets use EFL to expand their MSME portfolios.

  • For MSME entrepreneurs and self-employed individuals
  • For working capital, unsecured term loans, asset finance, and more
  • Approvals of $500 to $250,000+
  • Terms between 3 to 48+ months
  • Formal and informal businesses
Learn More

EFL FOR CONSUMER CREDIT

A better way to know your customers. Retailers and banks use EFL to safely increase purchasing power at the point of sale.

  • For underbanked consumers who need access to goods like a computer for their child
  • An in-store line of credit from $300 to $100,000+
  • Terms between 3 to 48+ months
  • For unverified salary employees and other
Learn More