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 credit card and retail executive (Sears, President’s Choice Financial, Citibank, Canada Trust)

Raymond Tam, CPA
Vice-President, Decision Support

Extensive experience in financial modelling, forecasting and business case analysis (McKinsey, Sears Canada, Mosaic-Acosta, Cryptologic-Amava Gaming)

Karen Yolevski
Chief Legal Counsel

Strong consumer lending legal background (Partner at Basman-Smith, Ontario Bar Association)

Sean Milne, CPA
Vice-President, Finance

Extensive financial knowledge with experience in debt and equity financings (M Partners Inc., Deloitte Canada LLP.)

Sandra Young
Vice-President, Credit Risk

Extensive credit risk and analytics background (Credit departments at Rogers Bank, CIBC, Bank of Montreal, President’s Choice Financial)

Irena Storic
Director, Operations

Extensive experience in credit operations including call centre and collections (Millennium 1 Solutions, CIBC, Wells Fargo)

Alexander Forsyth
Director, Account Development

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

Robert Clarke
Director, Sales

Extensive sales and business development logic with a focus on customer relations (American Express, Elavon, Collective Point Sales Solutions, ING Direct Canada)

Gaston Siri
Chief Technology Officer

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

Ruhee Rajan
Director, Marketing

Marketing strategy and planning consultant with over 14 years of management experience in the Financial Services, Real Estate, and B2B industry.

Catherine Learn
Director Strategic Projects

Strategic leader with 20 years of experience spearheading change initiatives in both the private and public sector.

Our Business Partners

Recent news

The Fintech Five | January 2017
February 2, 2017

The Fintech Five powered by PayPal profiles five of the hottest and most promising financial technology companies... read more

Flexiti Financial Secures Access to Over 1,000 New Retail Locations Through Customer and Partner Wins
January 31, 2017

Retailers cite ability to offer a broader range of financing offerings, quick approvals at the point-of-sale, and... read more

Want to learn more?

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