eFinancing Solutions

What eFinancing Solutions does

eFinancing Solutions is a privately held online loan marketplace founded in July 2005 and headquartered in Overland Park, Kansas. The company operates a loan search and comparison platform that matches consumer loan applications with a network of third-party lending partners, organized into three principal verticals: eMedical (financing for elective, cosmetic, and specialty medical procedures), eMerchant (home improvement financing distributed through contractors), and eBusiness (loans for small and medium business owners). It has facilitated 100,000+ loan approvals cumulatively, with advertised rates from 4.99% APR and terms from 24 to 84 months.

The technology stack consists of a self-serve consumer application at loans.efinancing-solutions.com that performs soft-pull credit pre-qualification, a Loan Status Checker portal, and a proprietary Loan Management System for medical providers that consolidates loan agreements, delivers real-time approval and payment status updates, generates customizable financial reports, and integrates with practice management software. Underlying loan matching and eligibility decisioning is delivered by partner Monevo Inc; eFinancing Solutions is not itself a lender.

The business model is two-sided and dual-monetized. The platform is free for borrowers; the company earns transaction-based commissions from lending partners when borrower data is submitted. Separately, an Affiliate Program enrolls independent sales professionals across the United States who pay recurring monthly fees of $49–$199 per enrolled merchant account. Distribution combines a product-led self-serve website, an affiliate recruitment channel, and direct enterprise field sales targeting plastic surgeons, cosmetic surgery practices, fertility clinics, dental, dermatology, and other specialty providers. Procedure-specific SEO content is the primary top-of-funnel marketing lever.

Name

eFinancing Solutions

Legal name

eFinancing Solutions LLC

Website

https://efinancing-solutions.com

Company type

Private

Founded year

2005

Operating status

Operating

Short description

eFinancing Solutions is a privately held online loan marketplace founded in 2005 in Overland Park, Kansas. It matches consumer loan applications across eMedical, eMerchant, and eBusiness verticals with a network of third-party lending partners, earning lender commissions and affiliate fees.

Ownership category

akta.pro rank

Product category

Loan Marketplace / Consumer Lending Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

akta.pro secondary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Loan marketplace
• Patient financing
• Medical procedure loans
• Home improvement financing
• Small business loans

Headquarters

HQ city

Overland Park

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Commission from Lending Partners: eFinancing Solutions receives a fee or commission from lending partners when borrower data is submitted through the platform. The service is free for consumers.
2. Affiliate Monthly Fees: Independent sales professionals and affiliates pay monthly fees ranging from $49 to $199 per enrolled merchant account to access the loan technology platform

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

eFinancing Solutions operates an online loan comparison and marketplace platform that matches consumers seeking financing with a network of third-party lending partners. It offers three vertical loan programs — eMedical (medical/cosmetic procedures), eMerchant (home improvement), and eBusiness (small business) — and supports them with a proprietary Loan Management System for providers, an Affiliate Program for independent sales professionals, and a free soft-pull pre-qualification experience for borrowers. The company does not lend directly; it earns commissions from lending partners and recurring fees from affiliates.

Product overview

eFinancing Solutions operates as an online loan comparison engine and financing marketplace, connecting consumers with a network of third-party lending partners to facilitate unsecured personal loans and procedure-specific financing. The core product portfolio centers on three loan agency verticals — eMedical (for medical/cosmetic procedures), eMerchant (for home improvement), and eBusiness (for business needs) — supported by an Affiliate Program for independent sales professionals and a Provider Enrollment service for medical practices. The platform is underpinned by a Loan Management System that aggregates loan agreements, delivers real-time status updates to both practices and patients, and integrates with practice management software and EHR systems. A Loan Status Checker portal enables applicants to track their application progress. Loan terms range from 24 to 84 months, with interest rates starting at 4.99% APR for qualified borrowers. The company partners with Monevo Inc to deliver its loan eligibility service.

Differentiator

Problem solved

Functional benefit

Brands

• eMedical: Medical loan agency for financing medical procedures including cosmetic surgery, dentistry, fertility treatments, and other medical procedures
• eMerchant
• eBusiness

Products and services

• eMedical Loan Agency

Quantifiable outcome

• 100,000+ loans approved through the platform

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Monevo InccoreTechnology or IntegrationMonevo Inc provides the loan eligibility service and related tools. eFinancing Solutions shares personal information with Monevo to process loan requests and deliver pre-qualified loan offers to consumers.
• Independent Sales Professionals / AffiliatescoreChannel Partner/ Reseller/ DistributorIndependent sales professionals represent eFinancing Solutions services and enroll merchants and businesses throughout the United States, earning monthly residuals per account.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• LendingTree: LendingTree operates a multi-vertical online loan marketplace connecting consumers with lenders across personal loans, home improvement, business, and medical financing. Directly comparable to eFinancing Solutions in the loan search/lead-generation business model, but with a much broader product portfolio and national brand.
• CareCredit: CareCredit, a Synchrony Financial product, is the dominant healthcare financing program in the US, offering credit lines and installment loans for medical, dental, vision, and veterinary procedures. It is the primary direct competitor in eFinancing's flagship eMedical vertical, with deep provider relationships and EHR integrations.
• SoFi: SoFi is a large direct-to-consumer personal loan, home improvement, and small business lender, and operates an in-house member platform. It overlaps with eFinancing's personal loan and eBusiness verticals, though SoFi is a direct balance-sheet lender rather than a marketplace broker.
• GreenSky (Goldman Sachs): GreenSky, now part of Goldman Sachs, provides point-of-sale consumer financing primarily for home improvement and elective healthcare procedures through a merchant network. Directly competes with eFinancing's eMerchant and eMedical verticals, with deeper bank balance-sheet funding.

Direct peers

• PatientFi: PatientFi is a fintech lender focused exclusively on patient financing for elective medical procedures including plastic surgery, dermatology, and fertility. It directly competes with eFinancing's eMedical vertical and shares the provider-enrollment, multi-lender-network model.
• Alphaeon Credit: Alphaeon Credit, a Comenity Capital Bank product, provides patient financing specifically for elective healthcare procedures across specialties. It is a direct competitor to eFinancing's eMedical agency, targeting the same subprime and prime patient borrowers via medical practice channels.
• Prosper Marketplace: Prosper is a peer-to-peer / online personal loan marketplace that connects borrowers with individual and institutional investors. Comparable to eFinancing's personal loan and home improvement offerings, with a marketplace model that earns fees from originated loans.
• LendingClub: LendingClub operates an online personal loan marketplace where borrowers apply once and receive offers from a network of lenders. Directly comparable in business model — multi-lender routing, soft-pull pre-qualification, and commission-based revenue — to eFinancing's core loan search engine.
• Upgrade: Upgrade is an online lender offering personal loans, home improvement loans, and small business credit through a multi-lender, soft-pull pre-qualification model. Comparable in target borrower profile, soft-credit-pull UX, and home improvement/business loan focus.

Others

• Bankrate: Bankrate (Red Ventures) is a financial comparison platform that generates lender leads across personal loans, mortgages, and credit cards. Indirect peer to eFinancing — both monetize the consumer loan-shopping journey, but Bankrate is content-driven lead generation rather than multi-lender routing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/e-financial-solutions-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 eFinancing Solutions