Encina Lender Finance
12540 Broadwell Road Suite 1202, Alpharetta, GA, 30004, United States
Overview
Encina Lender Finance is an affiliated company of Encina Capital Partners that provides senior credit facilities.
- Total investments
- 3
- Lead investments
- 1
- Investments · 12mo
- 1
- Active investors
- 4
Sector focus
- Financial Services
Investment portfolio
- Nitra
Participated · Debt Financing · Mar 2026
Nitra embeds AI agents into core business functions—payments, procurement, inventory management, scheduling, and insurance verification—giving medical practices a single system to run their back office. Its financial suite includes a Visa-powered expense card, bill pay, patient payment processing, and AI-driven accounting, while its commerce marketplace connects users to thousands of biopharma and medical-supply products through partners like McKesson and Medline. Recently the company added a voice-AI patient management module that handles appointment scheduling and insurance eligibility checks. In 2025 the platform’s annualized revenue jumped from $4 million to more than $33 million on 740 percent growth, and it surpassed $1 billion in annualized processing volume across thousands of doctors in over 700 clinics. December 2025 saw a single-day record of roughly $9 million in purchases. Management expects to serve 3,000+ clinics, top $150 million in annualized revenue, and exceed $4 billion in processing volume during 2026. Founded in 2024 by CEO Tim Hwang and President Jonathan Chen, Nitra plans to expand headcount from about 50 to over 200 and roll out new AI modules for revenue-cycle management, patient marketing, payroll, and staffing.
- DigniFi
Led · Debt Financing · Jul 2024
DigniFi offers a proprietary platform that enables auto dealers and small businesses to provide on-the-spot financing for vehicle repairs, parts, maintenance packages, insurance deductibles, and service contracts. Its technology simplifies the loan application process and its credit products are originated by WebBank. The company has helped over 2,200 small businesses secure almost $445 million in incremental transactions to date. DigniFi positions itself as a leader in transportation-focused consumer financing and emphasizes inclusive, visionary lending. Recent statements from leadership and partners indicate plans to continue scaling the business and driving growth for merchant partners. The company announced new strategic funding to support expansion of its auto repair financing solutions. DigniFi operates an AI-powered, SaaS-plus marketplace that matches consumers with lenders for auto parts, repairs, tires, accessories and services at the point of sale. The platform delivers fixed-payment plans (12–36 months) and automates the contactless financing process through dealerships and independent repair shops. Loans on the platform are originated through WebBank, an FDIC-regulated bank. DigniFi leverages proprietary data sets, machine learning and automotive analytics and has powered over $120 million in loan originations to date. The company works with a network of more than 5,000 auto service center partners. Management describes plans to expand the integrated marketplace by growing lender participation and scaling its machine learning system.
- Visual Edge IT
Participated · Equity · Jul 2023
Visual Edge IT is a North Canton, Ohio–based provider of managed IT services, security, cloud computing, and print/copy solutions for businesses. The company offers a full line of office technology and services, including 24/7 remote monitoring and administration of networks, service desk, and data backup and restore. It serves customers throughout the United States, with presence or customers in states including AL, AR, AZ, CA, CO, CT, FL, GA, IA, IN, KY, MA, ME, MI, MS, NC, NE, NH, NM, NV, OH, OR, PA, RI, SC, TN, TX, VT, and WV. Led by CEO Austin Vanchieri, Chief Strategy Officer David Ramos, and COO Brian Frank, Visual Edge IT intends to use new capital for continued investment in its print and IT solutions for both new and existing customers. The company recently secured institutional capital commitments to support those growth and product investment plans.