EF Group

What EF Group does

EF Group, legally Enterprise Financial Solutions, Inc. and DBA EFG, is a privately held equipment financing and leasing intermediary founded in 1999 and headquartered in Little Rock, Arkansas. The company originates loans and leases for small and mid-sized businesses seeking equipment acquisition financing, and operates a broker model that places originated transactions through a network of 15+ community bank partners across the Mid-South and Central U.S. under Master Broker Service Agreements. Beyond direct borrower origination, EF Group operates a vendor partnership program that enables equipment vendors to offer monthly payment options to their customers without multi-million-dollar volume commitments, and a financing consulting service that performs financial analysis to match clients with bank, lessor, or private funding sources. Verticals served include industrial/manufacturing, construction, medical/healthcare, and agricultural/forestry equipment buyers.

The core technology stack is deliberately lightweight: a web-based payment calculator for term options of 36/60/84 months, and a downloadable Excel-based lease calculator. There is no proprietary credit engine, no API, and no application software product; deal flow is relationship-driven through a 1-10 person team with approximately 100 years of combined financing experience. The company is wholly owned by Blake Miller, who acquired full ownership in December 2017 after joining as partner in 2014, succeeding founder Jack Harvey.

Commercially, EF Group earns revenue primarily through broker/origination fees on transactions placed with its community bank partners, supplemented by consulting fees. Direct pricing is quote-based and contingent on creditworthiness, equipment type, amount, and term. The 2024 disclosed portfolio stood at $135.7 million in outstandings, generating $7.91 million in interest income flowing to banking partners. Marketing channels are predominantly a website, social media (LinkedIn, Facebook, Instagram), and educational content around Section 179 tax benefits and equipment financing advantages.

Name

EF Group

Legal name

Enterprise Financial Solutions, Inc.

Website

https://myefgroup.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

EF Group is a privately held equipment financing and leasing intermediary based in Little Rock, Arkansas, originating loans and leases for small and mid-sized businesses and placing them through a network of community bank partners across the Mid-South and Central U.S.

Ownership category

akta.pro rank

Product category

Equipment Financing and Leasing

NAICS

Sales Financing (52222), Finance and Insurance (52)

SIC

Finance Lessors (6172), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH)

akta.pro secondary industries

Equipment & Asset Finance Brokerage (FSAEAEAJ), Fee-Based Advisory (FSAEAAAM)

Keywords

• Equipment financing
• Equipment leasing
• Vendor financing programs
• Commercial lending
• Business equipment loans

Headquarters

HQ city

Little Rock

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Equipment Financing and Leasing: Core business providing financing and/or leasing of equipment for businesses. The company funds equipment purchases through partnerships with community banks and lines of credit, earning interest income on loans and leases.
2. Master Broker Service Agreement: EF Group closes traditional commercial bank loans with partner banks through a Master Broker Service Agreement, earning broker fees or referral income for facilitating bank loans.
3. Financing Consulting Services: Consulting services that analyze client financial situations and align them with the best financing options from various funding sources including banks, leasing companies, and private funding sources.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

EF Group provides equipment financing and leasing services to businesses across the Mid-South and Central U.S., offering 100% financing, customized leases, and loans for capital equipment purchases. The company operates through direct engagement with equipment buyers, a Vendor Partnership Program that allows equipment vendors to offer monthly payment options to their customers, and a Master Broker Service Agreement with community banks that funds the underlying loans and leases.

Product overview

EF Group is a financing and leasing company offering a unified suite of equipment finance services. The core offerings consist of Equipment Financing Services and Equipment Leasing Services, which enable businesses to acquire equipment through various financing structures. These core products are supported by complementary tools and services including the Payment Calculator and Staley Lease Calculator (Excel-based tools), Financing Consulting Services (advisory), and Community Banking Services (bank partnership program). Additionally, the Vendor Partnership Program extends financing capabilities to equipment vendors to help their customers access payment options. The company serves diverse industries including medical, industrial manufacturing, construction, agriculture, and more, with funding sourced through partnerships with community banks in the Mid-South and Central U.S.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Financing Services Provides financing options for equipment purchases for businesses across various industries, including 100% financing, fixed-rate financing, and flexible payment options such as fully amortized or balloon payment structures.
• Equipment Leasing Services Offers leasing programs for capital equipment with cash flow management benefits, obsolescence protection, tax advantages, and the ability to include soft costs in lease agreements. Tax-exempt leases are available for municipalities and qualified government entities.
• Vendor Partnership Program

Quantifiable outcome

• Portfolio of over $135.7 million in outstandings
• +2 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators6 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• CIT Group (First Citizens Bank): CIT, now part of First Citizens, is a broad incumbent in commercial equipment financing and leasing. It serves larger and middle-market equipment buyers than EF Group's SMB core but overlaps in vertical use cases.
• Stearns Bank: Stearns Bank is a broader incumbent in equipment financing and leasing, operating nationally with a bank balance sheet. It funds its own originations rather than acting as a broker, making it a partial competitor for both EF Group and its community bank partners.
• DLL (De Lage Landen): DLL is a global incumbent in equipment finance and leasing across vendor, direct, and broker channels. It serves similar SMB and mid-market verticals (construction, agriculture, healthcare) but at much greater scale and with captive funding.

Direct peers

• Balboa Capital: Balboa Capital is a direct competitor in the equipment financing and leasing broker space, providing financing consultants and lender-matched funding to SMBs across multiple industries — very similar product mix and broker-led model to EF Group.
• Ascentium Capital: Ascentium Capital is a direct peer offering equipment financing and leasing through a vendor and direct channel, with technology-enabled origination. It competes head-to-head for SMB equipment finance deals in similar verticals.
• Allegiant Partners: Allegiant Partners is a direct competitor providing equipment leasing and financing broker services to SMBs and mid-market equipment buyers, with similar vendor partnership and direct sales motions.
• Apex Commercial Capital: Apex Commercial Capital is a direct peer — an equipment financing broker arranging leases and loans for SMBs through a network of bank and finance company funding partners, mirroring EF Group's Master Broker Service Agreement model.
• Marlin Business Bank: Marlin Business Bank is a direct peer in SMB equipment financing and working capital lending, serving similar customer segments (construction, medical, industrial) with comparable product structures.

Emerging players

• Currency Capital: Currency Capital is an emerging equipment finance marketplace and broker connecting SMBs to a network of lenders. Its digital, multi-lender model overlaps with EF Group's broker approach and competes for similar online-originated equipment deals.

Regional players

• Northwest Community Bank Partners: Northwest Community Bank Partners represents regional community banking equipment finance intermediaries in non-overlapping geographies. They compete for similar vendor and SMB relationships but serve different regional footprints than EF Group's Mid-South focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/MyEFGroup
• LinkedInlinkedin.com/company/the-enterprise-financial-group
• Instagraminstagram.com/lr.efgroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

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 EF Group