Entrepreneurial Finance Lab (EFL Global)

The Entrepreneurial Finance Lab (EFL) is an innovative financial-technology company which employs psychometric and nontraditional applicant data to create credit scores to measure risk and potential among consumers and small businesses. EFL’s alternative scoring technology enables lenders to measure risk among applicants in the most information-scarce environments. EFL, a product of its early Harvard research, has been recognized by the G-20 as one of the most innovative approaches to SME finance globally.

EFL first pioneered psychometric credit scoring through research at the Harvard Center for International Development. We now work with leading financial institutions across Africa, Asia, Latin America, and Europe. Through our partnerships we enable lenders to safely approve more people globally.