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Direct Lending: Quick and Reliable Business Funding
Access loans made directly to your business for expansion, acquisitions, or operational growth—without the need for traditional banking intermediaries.
Unlock Growth with Flexible Private Credit Solutions
At EFLOW Capital LP, we provide tailored financing options to help businesses expand, recover, and thrive. Access direct lending, mezzanine financing, asset-backed loans, and distressed debt solutions—customized for your business needs.
📊 Key Metrics That Set Us Apart
$800M+
in Loans Funded
10,000+
Businesses Financed
85%+
Repeat Borrowers
Our Private Credit Lending Solutions
Mezzanine Financing: Flexible Growth Capital
A hybrid of debt and equity financing, ideal for businesses looking to scale or fund major expansions, offering higher returns for increased risk.
Distressed Debt: Turn Challenges into Opportunities
Acquire discounted debt from financially distressed companies, offering high-return potential for businesses skilled in restructuring and turnaround strategies.
Asset-Backed Lending: Secure Loans for Business Assets
Obtain financing secured by tangible assets such as real estate, equipment, or inventory—offering favorable terms and reducing lender risk.
Revenue-Based Financing: Growth Capital Without Equity Dilution
Flexible financing where repayment is based on a percentage of your business revenue, allowing companies to scale without giving up ownership or equity.
Special Situations Lending: Customized Capital for Unique Business Needs
Tailored financing for businesses undergoing mergers, restructurings, or rapid expansion—designed to provide liquidity when traditional loans aren't an option.
Flexible Lending Solutions: Cash or Crypto—You Choose
At EFLOW Capital LP, we provide lending solutions in both crypto and fiat, allowing businesses to secure funding in the way that works best for them. Explore the pros and cons of each option below.
Fiat/Cash Loans
Business Expansion Loans
Get funded in fiat for scaling operations, acquisitions, or working capital needs.
Asset-Backed Loans
Secure funding with real-world assets like real estate, inventory, or equipment.
Revenue-Based Financing
Repay based on a percentage of your company’s monthly revenue—no equity required.
Bridge Loans for Short-Term Liquidity
Access short-term cash flow solutions with quick approval and flexible repayment.
Pros of Fiat Loans:
✔ Stable currency, no volatility risk. Easy integration with traditional banking. Widely accepted for all business expenses.
Cons of Fiat Loans:
❌ Longer approval process. It may require extensive paperwork and collateral. Subject to interest rate fluctuations.
Crypto Loans
Crypto-Backed Business Loans
Use your crypto holdings as collateral to access funding without selling assets.
Stablecoin Loans for Predictable Repayments
Borrow in USDT or USDC to minimize volatility while leveraging blockchain speed.
Cross-Border Lending in Crypto
Instant funding in crypto for businesses operating in multiple jurisdictions.
DeFi-Powered Smart Contract Loans
Access decentralized lending options for trustless, transparent transactions.
Pros of Crypto Loans:
✔ Faster approvals and disbursements. No traditional credit checks are required. Ideal for global businesses needing borderless capital.
Cons of Crypto Loans:
❌ Market volatility risks (unless using stablecoins). Regulatory uncertainty in some regions. Requires understanding of digital assets.
Explore Real Success Stories – Read Our Case Studies
Apply for Private Credit Financing
Unlock tailored private credit solutions to fuel your business growth. Apply now, and our team will review your request to provide the best funding options.
EFLOW Capital LP empowers businesses with flexible private credit solutions, providing the capital needed for growth, innovation, and long-term success.
Our values
Innovation
Financing solutions that evolve with your business needs.
Integrity
Transparent, ethical, and client-focused lending practices.
Reliability
Consistent funding backed by expert financial management.
About EFC
EFLOW Capital LP (EFC) is a leading private credit provider, offering tailored financing solutions for businesses. From direct lending to asset-backed loans, we deliver flexible capital to fuel growth, innovation, and long-term success.
With a deep understanding of alternative investments and structured financing, EFC also provides investors with high-yield, secured opportunities designed for stability and after-tax cash flow (ATCF) optimization. Our commitment to transparency, risk management, and strategic lending ensures both businesses and investors benefit from sustainable, long-term financial success.
Private Credit FAQs
What types of businesses qualify for private credit funding?
We provide financing for mid-market companies across various industries, including real estate, technology, manufacturing, and more. If your business has strong growth potential or valuable assets, you may qualify.
How is private credit different from traditional bank loans?
Private credit offers more flexibility, faster approvals, and customized terms compared to traditional bank loans, which often have stricter requirements and longer processing times.
What types of private credit loans does EFLOW Capital LP offer?
We specialize in Direct Lending, Mezzanine Financing, Asset-Backed Lending, Distressed Debt, Revenue-Based Financing, and Special Situations Lending.
What is the typical loan size and term length?
Loan amounts vary based on the business needs and collateral, typically ranging from $500,000 to $50M+ with terms from 12 months to 7 years depending on the lending structure.
Do I need collateral to secure a loan?
It depends on the loan type. Asset-Backed Lending requires collateral such as real estate or equipment, while Direct Lending and Mezzanine Financing may not require physical assets.
How long does the funding process take?
Our streamlined approval process ensures businesses can receive funding in as little as 7–21 days, depending on the loan type and required documentation.
How do I apply for funding with EFLOW Capital LP?
You can start by submitting an application online. Our team will review your request, provide a tailored financing offer, and guide you through the funding process.
The Private Credit Edge Podcast
Investing • Entrepreneurship • 20 episodes
EFLOW Capital podcast show
Latest episode
Show notes
The Future of Business Lending: Why Private Credit is Taking Over in 2025
In this episode, we dive into how private credit is reshaping business financing, why traditional banks are losing ground, and what this means for investors and entrepreneurs. Hear expert insights on the opportunities in direct lending, asset-backed financing, and the future of alternative investments.Why Private Credit Is The Smartest Move In A Shaky Market
2025-04-16
21 minEFLOW Capital Private Credit Fund I: The Ultimate Guide To Investing In 2025
2025-04-10
21 minMaximize Your Wealth with Alternative Investments
2025-04-07
20 minTariffs, Fear & Flight: Why Smart Money Is Moving To Private Credit
2025-04-05
19 minMore episodes
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