Enova is an online financial services technology company that provides credit and financing solutions to underbanked and near-prime consumers and small businesses across North America. The company extends installment loans and lines of credit through branded consumer lending products (CashNetUSA, NetCredit), small business lending (OnDeck), money transfer services (Pangea), and partnerships with bank lenders, generating revenue primarily through interest income, origination fees, service fees, and money transfer spreads. Enova leverages proprietary technology, machine learning models, and decades of customer behavior data to underwrite and service customers across the United States, Brazil, and other markets who have limited access to traditional bank credit due to credit history, income constraints, or business profile.