Unified Lending OS for SMB lenders (Canada & USA)
Credit-building card + Equifax Credit Health
Fragmented SMB Lending Stack
SMB lenders struggle with expensive customer acquisition and can't track lead sources effectively
Poor identity verification and Know Your Customer processes lead to bad approval decisions
Multiple disconnected tools create operational inefficiency and human error
Increasing regulatory requirements strain resources and operational budgets
All-in-one Lending OS
Lender-offered credit-building program
Lending market post-rate hikes: efficiency over growth at all costs
Banks losing trust creates opportunity for SMB lenders
Equifax, prepaid cards, and payments infrastructure now readily available
SMB lenders in Canada & select US states
Auto-title, rent-to-own, BNPL sectors
SaaS tiers + integration fees + services
Setup + monthly + per-card variable
Lead exchange + partner revenue share
AppliedLMS platform users across Canada and USA
Monetization active and generating revenue
+5 lenders in immediate 30-day pipeline
CI/CD deployed → faster feature releases
Siloed systems, expensive, inflexible
Partial coverage, weak marketing visibility
Single pane of glass, credit-health integration, SMB-friendly pricing
Bank-grade encryption, role-based access control, and comprehensive audit logging
Cloud-native architecture with automated deployment and monitoring
Canadian/US short-term lending regulations and PCI-compliant integrations
Seamless integrations with Equifax, payment processors, and third-party services
Enterprise-ready platform designed to handle growing transaction volumes while maintaining regulatory compliance
Targeted approach to SMB lenders
Lead exchanges, card issuers, fintech ecosystem
LinkedIn presence, industry webinars, thought leadership
Credit Reboot dashboard and marketing insights
Enhanced rules engine and card lifecycle automation
Enhanced underwriting capabilities and repayment anomaly detection (exploring ML/AI opportunities)
Credit Reboot scale & analytics
Team expansion & GTM acceleration
Enhanced regulatory capabilities
ML/AI research & implementation
Chief Executive Officer
Finance operations & strategic partnerships expertise
Chief Technology Officer
30+ years experience in IT, SaaS platforms, and DevOps
1 QA Engineer + 1 DevOps Engineer
35% reduction in servicing workload through platform automation and streamlined workflows
Launched Credit Reboot → new revenue stream + stronger repayment rates
Questions & Discussion