This is eFund123
Our mission is to give you access to credit through a simplified approach.
Why? Because access to credit should be easy. Money is an important ingredient of life, and unless you’re one of the few percent of consumers with generational wealth, the pain of getting a loan affects you every day. Throughout history, affordable credit has been center to unlocking life, and we have made it easy to access.
Many Borrowers
have never needed or defaulted on a credit product, yet less than half are able to obtain access to prime credit products.*
This data is eye-opening. With a better risk models, lenders are able to approve as much as twice the volume of borrowers, with fewer defaults
%
Consumers who have access to prime credit
%
Consumers who never defaulted on a credit product
* According to a retrospective study.
The system is always improving
ongoing optimization in response to transactional repayment and delinquency data.
eFund123’s lending model is much more accurate than most banks traditional models;
giving you access to funding in 3 easy steps.
The data provided from the access to credit comparison show the tested [eFund123] model touches more borrowers than the traditional bank model and yields much lower average APRs for approved loans. 
Based on internal studies which compares outcomes from certain underwriting and pricing model against outcomes from a various hypothetical models that use common and traditional application and credit file variables and do not employ new techniques.
eFund123 is one of the first
simplify the loan application process. eFund123 goes beyond the traditional credit score, using different variables at scale to provide the best loan options and improve consumers’ access to credit across the nation.
Careers at eFund123
Get connected as we combine modern data science and relentless effort to improve the lives of borrowers across the nation.