Businesses

ECN operates through three long-standing, market-leading businesses with unparalleled experience and expertise:
- Service Finance - home improvement loans
- Triad Financial Services - manufactured home loans
- The Kessler Group - consumer credit card portfolios

Businesses

  • Unsecured consumer loan portfolios – Home improvement Loans
  • 15 years in business – Founders active in the industry for 30+ years
  • Prime and super-prime, short duration home improvement loans
  • Originations sourced through exclusive programs with top manufacturers
  • Tech-enabled point of sale originations
  • Loans originated and managed on behalf of 15 bank customers
  • Forecasted managed portfolios of $1.8B
  • No recourse to loan performance, including credit losses

  • Secured consumer loan portfolios – Manufactured Housing Loans
  • Pioneer in the industry, 59 years in business
  • Prime and super-prime, long duration manufactured home loans
  • Originations through decades old national dealer and manufacturer network
  • Loans are originated and managed on behalf of 40+ US banks and credit unions
  • Forecasted managed portfolios of $2.3B
  • No recourse to loan performance, including credit losses

  • Credit card portfolios – Affinity & Co-branded Credit Cards
  • 40 years in business
  • Originate and optimize affinity and co-brand credit card partnerships - Over 6,000 partnerships created
  • Transaction advisory services
  • portfolio acquisitions, exits and transitions
  • Customer acquisition
  • Funding, multi-channel marketing services and data analytics
  • Services provided to 25+ US financial institutions
  • $25B+ of managed and advised credit card portfolios