UNLOCK YOUR POTENTIAL
We care about our partners
We do everything in our power to make sure your business flourishes. With competitive commissions and flexible underwriting guidelines for your clients, we guarantee that we’ll grow together.
— Commission up to 12%
— Funding up to $500K
— Early payoffs as low as 1.09
— Pre-underwritten offers
— No hard credit pulls
— Minimal stips
— Syndication & White Label available
Our Method
We pride ourselves on transparency, flexibility and speed as we focus on building strong, long-lasting relationships with our ISOs. Every offer we send is fully underwritten prior, which has led us to fund 92% of the files we receive signed contracts from.
Unlike many other funders, we do not stifle business by sticking to strict, black & white, traditional underwriting guidelines for all companies we receive submissions from. Each submission is analyzed on an individual basis in order to identify the specific needs of that business, and how we can help facilitate those needs. Anytime we need to communicate directly with the merchant, we always keep our ISOs in the loop, as we believe the relationship the ISO establishes with the merchant is extremely valuable. We do everything we can to help build and maintain that relationship.
Our goal at eFinancial Tree is to become an industry leader, while helping to change the public perception of an industry widely mischaracterized by the actions of a few players in the space. We believe that by maintaining ethical business practices, and building fruitful relationships with our ISOs and merchants, we can help change the industry’s landscape, and the perception that coincides.
Create Change with eFi
Minority-Owned Businesses:
Capital Access Initiative
Despite leading a significant portion of the nation's businesses, minority-owned businesses are less likely to be approved for small business loans, and even if they do get approved, they are more likely to receive lower amounts and higher interest rates.
To help correct this injustice, eFinancial Tree will be offering preferred terms and discounted rates for minority-owned businesses starting in Q4 2022.
In Q2 2021, we plan to launch a quarterly learning program to increase transparency, awareness, and understanding of the Alternative Lending industry for Minority-Owned Businesses. We’re in the process of gathering industry leaders to contribute. Please contact us to get involved.
Community Engagement
Each quarter, the eFi team finds a way to give back to the community. We plan to partner with local children’s hospitals and food drives to ensure the intrinsic values of our company are never lost and the communities that we live in continue to flourish.
Philanthropy
In Q3 2020, we established our philanthropy division by opening relations with the Teak Fellowship, a New York City based program helping “talented students from low-income families achieve their potential.”
We plan to continue expanding this division over the coming years, and commit a percentage of profits each quarter to various charities and non-profit organizations.
Message From Our Founder
With over a decade of experience in the Alternative Lending industry, we understand the opportunity we have to build something meaningful, and to grow together. As a team that sat at sales desks for many years, we also understand the obstacles. Because of this, we will do everything in our power to make sure the time and effort you put in on every single file that comes across your desk is not wasted. We're here to match your tenacity, and to identify unique and creative solutions for your clients. That is our mission and our responsibility, and we look forward to helping you build your business any way we can.
GET STARTED
Let us show you how we work. Send us a submission here, and we’ll have a decision to you within 30 minutes. If you like what you see, we’ll send you an ISO Agreement immediately and get things rolling!
If you’d prefer to submit an ISO Agreement prior to your submission, please reach out to us via the form on the right.*
*All Independent Sales Organizations are subject to approval. If for any reason your firm is not approved and a submission is attached, we will not process the applicant and we will delete all associated data.