EJ Financial Corporation

Name

EJ Financial Corporation

Legal name

EJ Financial Corporation

Website

https://ejfin.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Diversified Financial Services and Government Consulting

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Corporate Finance & Capital Advisory (BPAHADAB)

akta.pro secondary industries

Equity Capital Advisory (Private Equity Placements, Growth Capital) (BPAHAOAE), Capital Raising Advisory (Debt/Equity/Private Capital) (BPAHADAG), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)

Keywords

• Government financial consulting
• Investment advisory services
• Machine learning portfolio management
• Cloud-native lending platform
• Debt and equity funding

Headquarters

HQ city

Ashburn

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Investment Advisory Services: Fee-only advisory services charged as a percentage of assets under management (AUM). Fee range is 0.2% to 2.0% of managed assets, negotiable based on portfolio size and whether discretionary or non-discretionary management is engaged. Generally lower fees for larger portfolios.
2. Federal Government Consulting: Finance and technology consulting services provided to federal government agencies and prime contractors, covering data analytics, program management, AI/ML, cybersecurity, investment management, and treasury/capital markets.
3. Debt and Equity Funding: EJFC provides equity funding (seed $10k-$50k, angel $50k-$500k, Series A/B up to $5M) for tech-focused companies and secured debt (commercial real estate and agricultural real estate) backed by real assets.
4. SaaS-based Lending IP Licensing: Cloud-native SaaS lending IP provided to institutional investors as a platform product.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

EJ Financial Corporation is a privately held financial services firm that provides finance and technology consulting to U.S. federal government agencies and prime contractors, fee-only investment advisory (including machine learning-powered portfolio management) to high-net-worth individuals, trusts, foundations, endowments, and corporations, and offers a proprietary cloud-native SaaS lending IP to institutional investors. The firm additionally deploys its own capital as seed/angel/Series A-B equity funding for technology companies and as secured debt financing backed by commercial or agricultural real estate.

Product overview

EJ Financial Corporation operates as a diversified financial services firm offering four primary service lines: (1) Federal Government Contracting - providing finance and technology consulting to government agencies; (2) Cloud-native SaaS Lending Solution - a SaaS-based lending IP platform for institutional investors; (3) Machine Learning-Powered Portfolio Management - investment advisory services using proprietary algorithms; and (4) Debt and Equity Funding Programs. The company is an SBA 8(a) certified, minority-owned small business and Registered Investment Adviser founded in 2004.

Differentiator

Problem solved

Functional benefit

Products and services

• Federal Government Contracting Services Finance and technology consulting services for U.S. federal government agencies and prime contractors, covering data analytics, program/project management, AI/ML, cybersecurity, enterprise architecture, investment management, treasury and capital markets, and financial analysis and budget forecasts.
• Cloud-native SaaS Lending Solution Proprietary cloud-native SaaS lending platform providing lending IP and technology solutions for institutional investors and lenders to manage loan portfolios and lending operations; deployable as a platform product alongside advisory services.
• Machine Learning-Powered Portfolio Management Investment advisory service powered by proprietary algorithms, data science, and multi-step research that identifies undervalued securities and generates superior risk-adjusted returns for high-net-worth individuals, trusts, foundations, endowments, and corporations. Fee-only, with no custody of client assets.
• Debt and Equity Funding Programs Funding programs comprising equity funding for technology companies (seed $10k–$50k, angel $50k–$500k, Series A/B up to $5M) and debt financing secured by commercial or agricultural real estate assets.
• Credit Modeling Services Treasury, capital markets, and credit modeling services including quantitative modeling using regression models (Linear, Non-Linear, SVM, KNN, CART, Random Forest) for credit card delinquency, charge-off, cashflow forecasting, and budget projections.

Quantifiable outcome

• Advisory fees range 0.2%–2.0% of AUM with lower fees for larger portfolios, enabling competitive pricing.
• +1 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles8 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability8 records

Feature4 records

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• SoFi Technologies: SoFi is a broad incumbent fintech combining lending, investment advisory, and banking. It competes with EJFC across both the lending IP and investment advisory service lines, but at significantly greater scale and product breadth.
• Schwab Intelligent Portfolios: Schwab Intelligent Portfolios is the automated advisory offering from Charles Schwab, one of the largest brokerages. It competes with EJFC's ML-driven investment advisory but as part of Schwab's much broader brokerage and wealth management franchise.
• Vanguard Personal Advisor Services: Vanguard Personal Advisor Services combines automated portfolio management with human advisors at industry-leading low fees. It is a broad incumbent offering investment advisory that overlaps with EJFC's HNI advisory business, leveraging massive AUM scale.

Direct peers

• Wealthfront: Wealthfront is a leading ML-driven digital investment advisor offering automated portfolio management for individuals. It directly mirrors EJFC's HNI-targeted ML-powered investment advisory approach, competing for the same tech-enabled wealth management customers.
• Betterment: Betterment is a robo-advisor using algorithms and data science for portfolio management and asset allocation. It is a direct peer in the technology-driven investment advisory space where EJFC also operates with its ML-powered portfolio management offering.
• Empower (Personal Capital): Empower (formerly Personal Capital) combines digital tools with human advisors to serve HNI and mass-affluent clients with portfolio management, retirement planning, and asset allocation. It competes directly with EJFC's HNI-targeted investment advisory services.
• LendingClub: LendingClub operates a cloud-based lending marketplace with proprietary credit underwriting and risk analytics. It is a direct peer to EJFC's cloud-native SaaS lending IP, both offering technology-enabled loan origination and portfolio analytics to lenders.

Emerging players

• M1 Finance: M1 Finance offers automated portfolio management with dynamic rebalancing for individual investors. As an emerging fintech player, it competes with EJFC's ML-powered investment advisory at the retail and mass-affluent segment with a tech-forward platform.
• Titan: Titan is a digital investment advisor using quantitative strategies for individual investors. It is an emerging player with overlapping ML/data-science driven investment advisory approach to EJFC's proprietary algorithmic portfolio management.

Others

• Addepar: Addepar provides wealth management technology for advisors, family offices, and institutions. It is an ecosystem peer rather than a direct competitor, but it enables the kind of portfolio analytics and reporting infrastructure that underpins EJFC's data-science-driven advisory offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ej-financial-corp.

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EJ Financial Corporation