Fintech

Montfort Capital

Montfort Capital

TSXV:MONT

Banking on Fintech to Create High-Yield Lending Opportunities

​Company Highlights

  • Montfort uses technology to transform the business of lending to find better loans.
  • Utilizing their proprietary technology, Montfort’s lending divisions can work closely with the management teams of their portfolio companies using real-time performance data allowing them to monitor and manage the performance of their underlying investments.
  • Each business segment under the Montfort brand has its own specialized management team with deep experience in their own unique subsector of the private credit market.
  • Private credit offers investors an opportunity to invest in an alternative asset class which is not directly correlated with the performance of the stock market.
CEO Interviews
Press Releases
INNspired

​Overview

Finding the right funding is challenging, even for companies with consistent cash flow and an existing client base. Businesses often have to decide between retaining control over the company and securing funding to help them reach new heights. Additionally, as interest rates increase worldwide, so does the cost of capital. Can the business leverage new capital to make a meaningful impact on its revenue?

Fortunately, advances in technology have given rise to new financial technologies (fintech) that can help open up new funding sources for businesses of all sizes. Most fintech companies aim to disrupt an established financial system by leveraging advanced technologies. For example, some lending institutions are looking beyond traditional criteria to determine the risk levels of borrowers by leveraging more data points and advanced algorithms. As a result, lenders that embrace new technology can make more accurate decisions that significantly increase profitability.

Montfort Capital’s (TSXV:MONT,OTCMKTS:MONTF) mission is to create value for investors by leveraging a tech-enabled lending platform to provide private debt capital to growing businesses through its group of investment companies, including specialty finance companies TIMIA Capital, Pivot Financial, Brightpath Capital, and Langhaus Financial. Montfort’s private credit brands span multiple lending sectors and are therefore resilient in its diversification.

Private credit is a lucrative asset class of privately negotiated debt financing from non-bank lenders like Montfort’s group of companies. Montfort is committed to building a family of private credit brands that deliver private credit to diversified market segments. It offers equity investors access to an early-stage private credit management, a growth opportunity that was not easily accessible in the past.

Montfort Capital

Montfort Capital Investor Kit

  • Corporate info
  • Insights
  • Growth strategies
  • Upcoming projects

GET YOUR FREE INVESTOR KIT


Overview

Finding the right funding is challenging, even for companies with consistent cash flow and an existing client base. Businesses often have to decide between retaining control over the company and securing funding to help them reach new heights. Additionally, as interest rates increase worldwide, so does the cost of capital. Can the business leverage new capital to make a meaningful impact on its revenue?

Fortunately, advances in technology have given rise to new financial technologies (fintech) that can help open up new funding sources for businesses of all sizes. Most fintech companies aim to disrupt an established financial system by leveraging advanced technologies. For example, some lending institutions are looking beyond traditional criteria to determine the risk levels of borrowers by leveraging more data points and advanced algorithms. As a result, lenders that embrace new technology can make more accurate decisions that significantly increase profitability.

Montfort Capital’s (TSXV:MONT,OTCMKTS:MONTF) mission is to create value for investors by leveraging a tech-enabled lending platform to provide private debt capital to growing businesses through its group of investment companies, including specialty finance companies TIMIA Capital, Pivot Financial, Brightpath Capital, and Langhaus Financial. Montfort’s private credit brands span multiple lending sectors and are therefore resilient in its diversification.

Private credit is a lucrative asset class of privately negotiated debt financing from non-bank lenders like Montfort’s group of companies. Montfort is committed to building a family of private credit brands that deliver private credit to diversified market segments. It offers equity investors access to an early-stage private credit management, a growth opportunity that was not easily accessible in the past.

Company Highlights

  • Montfort uses technology to transform the business of lending to find better loans.
  • Utilizing their proprietary technology, Montfort’s lending divisions can work closely with the management teams of their portfolio companies using real-time performance data allowing them to monitor and manage the performance of their underlying investments.
  • Each business segment under the Montfort brand has its own specialized management team with deep experience in their own unique subsector of the private credit market.
  • Private credit offers investors an opportunity to invest in an alternative asset class which is not directly correlated with the performance of the stock market.

Key Business Segments

TIMIA Capital Corporation

TIMIA is a fintech company with a proprietary loan origination platform that services technology companies in the North American SaaS (software-as-a-service) market. The company focuses on selective, high-yield loan opportunities to revenue generating SaaS companies, and generates revenue through recurring fees and profit-sharing. TIMIA Capital built a proprietary technology platform focusing on global business-to-business SaaS organizations and, due to its success, has expanded to other industry sectors, as well.

  • TIMIA Capital is a fintech company that has developed a proprietary platform to originate loans for SaaS technology companies.
  • The company’s platform, SaaScore, evaluates multiple aspects of an organization to determine risk levels and potential profitability that go beyond the criteria used in traditional loan services.
  • The platform also provides performance data to monitor and manage the underlying loans.
  • An experienced management team leads the company with financing, technology and marketing backgrounds.

Pivot Financial

Pivot Financial has successfully grown to profitability over the past six years and looks to accelerate its growth under the Montfort umbrella. Pivot is a private credit lender that addresses the borrowing needs of small- to mid-sized enterprises with up to 100 employees and up to $100 million in revenue in Canada.

Pivot is an asset manager deploying funds on behalf of institutions, retail investors, high-net-worth individuals, its management team, and shareholders. The management team seeks out favourable risk/return lending opportunities through prudent credit assessment and diversification targeting lower mid-market borrowers in Canada. The company manages all aspects of borrower relationships including origination, underwriting and ongoing portfolio management.

  • Acquired by Montfort in September 2021
  • Accounts receivable factoring and purchase order financing
  • Asset-based lending
    • Directly off-balance sheet
    • Sub-advisor to Celernus Pivot Private Credit Fund
  • Lender finance

Brightpath Capital Corporation

Brightpath is a leading private provider of residential mortgages in Canada, specializing in arranging mortgages for those seeking alternatives to traditional banking institutions.

Over the past 10 years, Brightpath has grown significantly by offering private credit to individuals who are self-employed, experiencing credit issues, requiring short-term loans, or looking at real estate renovations or development projects. To date, Brightpath has underwritten and managed over 2,500 mortgages with an aggregate value in excess of $500 million.

Brightpath has a real-estate-focused management team that operates the mortgage lending company and that leverages Montfort’s technology and operational infrastructure to ease loan management and accelerate growth. As a matter of historical financial performance, Brightpath generated $2.4 million in normalized net income for fiscal 2021.

  • Acquired by Montfort in August 2022
  • An experienced originator and administrator of short-duration first and second residential mortgage investments.
  • Operates primarily in Ontario and B.C. markets.
  • Licensed with FSCO/FSRA/BCFSA as a mortgage broker and administrator.
  • Historical default rate of less than 1 percent of invested capital.

Langhaus Financial Partners Inc.

Montfort owns 78 percent of Langhaus Financial, a leading non-bank provider of insurance-policy-backed loans, with a specific focus on high-net-worth individuals and entrepreneurs. Working cooperatively with Canada’s major insurance companies and top advisers, the Langhaus team designs flexible lending programs in a way that best meets the needs of borrowers. The company has expertise in structured finance transactions and complex borrower structures that fall outside the typical purview of Canadian banks.

  • Montfort acquired 78 percent of Langhaus in October 2022
  • A leading non-bank provider of insurance policy-backed lending solutions to high-net-worth individuals and entrepreneurs throughout Canada.
  • Works cooperatively with Canada’s major insurance companies and top advisers to design flexible lending programs.
  • Experts in structured finance transactions and complex borrower structures that fall outside the typical purview of Canadian banks.
  • Decades of expertise operating public and private businesses in the fields of banking, insurance, corporate consulting and financial communications.

Management Team

Mike Walkinshaw - Chief Executive Officer & Director

Mike Walkinshaw joined the company as the CEO in August 2015. He is experienced in revenue financing, venture debt and venture capital investing. Previous to TIMIA, he was the co-founder and managing partner of Fronterra Capital, as well as managing partner and CFO at Chrysalix Energy. Before working on the finance side, Walkinshaw worked in the technology manufacturing sector in product and program management, strategy and planning. He has a Bachelor of Commerce from the University of British Columbia and a formal CPA designation.

Andrew Abouchar - CFO & Chief Credit Officer

Andrew Abouchar has more than 20 years of experience in Canada’s venture capital and private equity industry. He is a cofounder and partner in Tech Capital Partners, a Waterloo, Ont.-based venture capital management company and founder of TCP Property, a private real estate fund. Earlier in his career, Abouchar worked as an accountant at PricewaterhouseCoopers and as an investment manager at Working Ventures. He is also an advisor to the Government of Canada and Province of Ontario, and currently serves on the board of Ontario Centers of Excellence.

Blake Albright - Chief Capital Officer

Blake Albright is the chief capital officer of Montfort Capital and the CEO of Brightpath Capital Corporation. He is a chartered professional accountant, a licensed mortgage broker and a certified management accountant. He has a Master of Business Administration from McMaster University and Honours Bachelor of Arts from Wilfrid Laurier University.

Ken Thomson - Chief Strategy Officer

Ken Thomson is CEO and founder of Pivot Financial. Mr. Thomson has over 20 years of experience in the investment industry and in managing and growing businesses. He serves on the board of several private companies including two other private lenders, Chairs the board of a North American manufacturing business, and was a member of the Board of Directors, Audit Committee and Independent Review Committee of a family of TSX-listed investment funds. Mr. Thomson is a member of the Independent Review Committees of Timbercreek Asset Management and Algonquin Capital and is Chair of the Independent Review Committee of Educators Financial Group. He holds an Honours Business Administration degree from the Richard Ivey School of Business and has completed the Partners’, Directors’ and Officers’ Course offered by the Investment Funds Institute of Canada.

*Disclaimer: This profile is sponsored by Montfort Capital ( TSXV:MONT ). This profile provides information which was sourced by the Investing News Network (INN) and approved by Montfort Capital in order to help investors learn more about the company. Montfort Capital is a client of INN. The company's campaign fees pay for INN to create and update this profile.

INN does not provide investment advice and the information on this profile should not be considered a recommendation to buy or sell any security. INN does not endorse or recommend the business, products, services or securities of any company profiled.

The information contained here is for information purposes only and is not to be construed as an offer or solicitation for the sale or purchase of securities. Readers should conduct their own research for all information publicly available concerning the company. Prior to making any investment decision, it is recommended that readers consult directly with Montfort Capital and seek advice from a qualified investment advisor.

Montfort Capital

Montfort Capital Investor Kit

  • Corporate info
  • Insights
  • Growth strategies
  • Upcoming projects

GET YOUR FREE INVESTOR KIT

×