EFL Global

We are an award-winning, for-profit social enterprise company that is accelerating poverty reduction through innovative tools to help entrepreneurs and consumers in emerging markets gain access to capital. We are the proven leader in using alternative data to understand individual credit risk and create opportunity for MSME and consumer financing. Our mission is simple: to unlock the entrepreneurial potential of emerging markets by expanding access to finance for the un-banked. How? Our psychometric assessment technology helps financial institutions evaluate the credit-worthiness of small business owners and consumers who wouldn’t otherwise have traditional access to credit. This scalable, automated, breakthrough technology helps bring the developing world's most capable, yet previously un-bankable people into the formal financial fold for the first time, empowering them and their economies from the inside-out.

 

We spun off from a research initiative at the Harvard Kennedy School's Center for International Development, and now we work with leading financial institutions across 27 countries in Africa, Asia, and Latin America. With offices in Lima, Boston, Mexico City, Jakarta, Nairobi, and Bangalore, EFL is impacting MSME and consumer finance across the globe. We have been recognized and endorsed by leading development organizations such as the IFC, Inter-American Development Bank, and the G-20.