Efficient Capital Labs provides direct, non-dilutive capital to SaaS startups through transparent lending terms. As a direct lender, the company makes its own underwriting decisions, giving founders fast access to capital without equity dilution.

ECL possesses a proprietary AI-driven underwriting engine that is unique, defensible, and continuously learns. Kaustav, former Chief Risk Officer at Kabbage, Petal, and Amex, is highly regarded for his execution and capital markets expertise.