Enova International, Inc. is a technology and analytics company, which is focused on providing online financial services. The Company offers or arranges loans or draws on lines of credit to consumers in 37 states in the United States and Brazil. It also offers financing to small businesses in all 50 states and Washington D.C. in the United States. Its customers include the small businesses which have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other lenders. The Company’s products and services include installment loans, line of credit accounts, receivables purchase agreements, CSO program and bank programs. The Company offers or arranges loans to consumers under the names CashNetUSA, NetCredit and Simplic. It also offers financing to small under the names OnDeck, Headway Capital and The Business Backer.