ELN provides loans ranging from $25,000 to $500,000 to high-quality entrepreneurs seeking expansion capital, equipment purchases, or general funding needs. The company aggregates and filters investment opportunities using a web-based on-boarding process and a credit algorithm that updates traditional bank criteria. ELN initially focuses on providing debt to franchise businesses, which are easier for investors to analyze and have lower concept risk. They consider candidates with successful existing units, high personal income and/or assets, and strong credit. In addition to traditional underwriting, ELN incorporates emerging techniques such as social credit scoring and automated cash flow analysis. Their goal is to create a tech-enabled lending platform for small and medium businesses.