The asset-based finance (ABF) market is expanding rapidly, and Cardo AI’s partnership with Encina Lender Finance, LLC (ELF) is set to redefine the industry. By combining advanced technology with top-tier structuring and credit risk expertise, the collaboration offers a new standard for efficiency, transparency, and scalability in structured credit.
Innovating Asset-Backed Lending
ELF brings extensive experience in structuring asset-backed credit facilities and forward flow purchase programs, ensuring sound credit risk management. Meanwhile, Cardo AI’s cutting-edge technology streamlines deal execution and enhances risk monitoring, providing real-time data insights and improving decision-making for all stakeholders.
A Game-Changer for the ABF Market
“Our partnership with Cardo AI represents a significant step forward for asset-based finance,” said Geoff Beard, CEO & Chief Investment Officer at ELF. “By integrating technology-driven solutions, we are speeding up transactions, improving market efficiency, and offering greater value to originators and investors alike.”
“With our growing presence in the U.S., we’re excited to collaborate with ELF to reshape structured credit,” said Altin Kadareja, Co-Founder and CEO at Cardo AI. “Our intelligent technology, paired with ELF’s expertise, will create a more transparent and scalable ABF ecosystem that benefits the entire market.”
Paving the Way for a New Era of Structured Credit
This partnership is just the beginning of a transformative shift in the non-bank specialty finance sector. By empowering originators with faster funding solutions and offering institutional investors greater capital deployment opportunities, Cardo AI and ELF are setting a new benchmark for how asset-based lending operates in the modern financial landscape.
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