How it works

We are a Financial Technology ("FinTech") company that helps merchants increase sales by providing sales financing solutions on a private label credit card platform that's faster, easier and more accessible

Our mission

To be the leading provider of consumer financing in Canada by:

  • Leveraging technology to deliver the fastest and easiest application process on the market
  • Delivering the highest approval rates in the industry while responsibly managing our losses
  • Delivering outstanding customer service to our retail partners and customers

We focus on serving these markets

Big-Ticket Retail: $57B

Furniture, appliance and electronics stores

Home Improvement: $20B

Flooring, HVAC, windows, doors, kitchens, bathrooms, home renovations, etc.

Health & Cosmetics: $13B

Dental, laser eye, cosmetic, medical spas, veterinary clinics

Join us as we become the leading consumer finance company in Canada

Contact us today

Award-winning technology platform built for scale

  • Superior Technology
  • Mobile application with card and ID scanning features for instant form pre-population that offers the fastest credit approvals available today
  • A web-based solution to support less active merchants
  • Instant approval for a credit line at the point-of-sale
  • Choice of financing plan
  • 100% paperless transaction creates a virtual private label credit card in seconds

2015 Winner of ACT (Advanced Card Technologies) Canada Innovation Award for Canadian Payments Benefiting Consumers

2015 Silver in ACT Canada Innovation Award for Canadian Payments Benefiting Merchants

Addressing Key Areas

  • Scalable infrastructure

    Savings for merchants and customers

  • Strong customer service

    Differentiation from competition

  • Speed and ease of application

    Increased recovery for merchants

  • High approval rate

    More closed sales and higher customer satisfaction, with credit quality

Our people

Peter Kalen
Chief Executive Officer

Seasoned executive in both credit card and retail markets (Sears, President’s Choice Financial, Citibank, Canada Trust).

Jerome Peeters
Chief Operations Officer

Comprehensive operational management experience as well as a leading expert in marketing and customer experience (B2B Bank, Sears, CIBC).

Gaston Siri
Chief Technology Officer

Extensive experience in technology, analysis and development of multi-tier systems (Dynamic Mind, Telefonica, Citibank, Grant-Thornton).

Colin Franks
Chief Risk Officer

Comprehensive expertise in credit card risk, loss forecasting and risk mitigation strategies (JP Morgan Chase & Co., MBNA Canada).

Sean Milne, CPA
Vice-President, Finance

Expert financial knowledge with experience in the debt and equity financing sector (M Partners Inc., Deloitte Canada LLP).

Sandra Young
Vice-President, Credit Risk

Extensive credit risk and analytics background through roles in various credit departments (Rogers Bank, CIBC, Bank of Montreal, President’s Choice Financial).

Manuel Diaz-Granados
AVP, Product Management

Over 10 years of experience in Loyalty & Financial Marketing, including building and transforming retail loyalty programs (Indigo, Sears, Cineplex, Loblaws).

Irena Storic
Director, Operations

Expert credit operations knowledge, including considerable experience with call centres and collections (Millennium 1 Solutions, CIBC, Wells Fargo).

Catherine Learn
Director, Strategic Projects

Strategic leader with 20 years of experience spearheading change initiatives in both the private and public sector (Millennium 1 Solutions, D+H, Canadian Tire).

Ruhee Rajan
Director, Marketing

Marketing strategy and planning consultant with over 14 years of management experience in the Financial Services, Real Estate and B2B sectors (BMO, ATB Financial, ComFree).

Alexander Forsyth
Director, Sales Operations

Expert sales management experience, with a record of delivering target goals and growing the customer base (Gap Inc., Best Buy Canada).

Robert Clarke
Director, Sales

Comprehensive sales and business development knowledge, with a focus on exceptional customer relations (American Express, Elavon, Collective Point Sales Solutions, ING Direct Canada).


Peter Kalen

Founder and CEO, Flexiti Financial. Extensive experience in both credit card and retail markets (EVP, Sears Financial and Home Services, SVP Credit Cards at President’s Choice Financial and SVP at Citi Cards Canada).

Martin Parizeau

Founder and Managing Partner, Alinea Holdings and Board Past Chair & Life Governor of Ashbury College. Formerly, CEO Chase Card Services, Governor & Treasurer at The Ottawa Hospital

Geoffrey Browne

Managing Director, MWI Partners and Member of UBS Global Asset Management Investment Review Committee. Formerly: Managing Director of CIBC Wood Gundy Capital and Merrill Lynch Canada Private Equity.

Barry Pickford

F.C.A., F.C.P.A. Acted as Member of the Board of Pacific Mortgage Group. Formerly: SVP Taxation & an officer of BCE Inc. and Vice-Chair of Audit at KPMG.

Paul G. Smith

Formerly: Chairman of VIA Rail, as well as, founder, President and CEO of Equity Financial Holdings Inc. (TSX: EQI).


Diane J. Brisebois

President & CEO, Retail Council of Canada. Formerly: Member of the Board of Directors for the Toronto Region Board of Trade and Covenant House Toronto.

Richard Padulo

Chairman & CEO, Padulo 21st Century Retail. Extensive involvement with SickKids (the Hospital for Sick Children), Women’s College Hospital, the United Way of Greater Toronto, the Royal Ontario Museum and the Canadian Olympic Trust.

Our Business Partners

Recent news

Flexiti Financial Announces that Martin Parizeau, former CEO of Chase Card Services Canada, Joins its Board of Directors
November 21, 2017

Toronto, ON, November 21, 2017 – Flexiti Financial, a leading provider of Point-Of-Sale (POS) financing and payment technology... read more

What Would 3-Minute Credit Approvals Mean for Your Dealership?
September 4, 2017

Flexiti Financial is offering Canadian outdoor power equipment dealers a mobile credit solution with streamlined approvals. How... read more

Want to learn more?

Join us as we become the leading consumer finance company in Canada.