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Solutions for Micro Lenders

Automated decision tool
Modern lenders scale their business with JERI

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Fintech Financial Stack

Best Products, Best Prices, One Place

  • Judgement
  • Evaluation
  • Risk
  • Intelligence
Leads
Payment Processing
IBV
Remote Workers
Collections
JERI
Email Platform
LMS
E-Signature
Websites
SEO

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Fintech Financial LMS

Price: $350 - $900 CAD / per month
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Centralize your operations into ONE seamless platform, built for simplicity, speed, scale, and to save money.

Full end-to-end loan lifecycle management, from lead capture and underwriting to disbursement, collections, and payoff.

Everything Included:

  • Unlimited Loans for one monthly price (Not Transactional Based)
  • Month by month contract (Open Contract)
  • No integration Fees
  • Use your own partners/suppliers (Flinks etc)
  • Automated collections workflows

Automated Collections Flow

Recover more. Work less. Protect your bottom line.
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No more chasing payments manually. No more missed follow-ups. Just a consistent, professional, and scalable recovery process that protects your portfolio.

Key Highlights:

  • Automated payment reminders and follow-up sequences
  • Automated system triggers outreach (SMS, Email, Phone Call.)
  • Collections pipeline waterfall system
  • Have your own remote collection agent workers
  • Seamlessly integrated Licenced Collection Company with the LMS
  • Configurable workflows tailored to your recovery strategy

Websites — Professional Web Presence for Lenders

Price: $700 CAD / per site
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Your Digital Storefront — Built for the Lending Business

Every site is design for high conversion with the lending journey in mind: clear messaging, streamlined landing pages, fast load times, and strategically placed calls to action that guide prospects straight to your application process. 

Key Highlights:

  • Custom design tailored to your brand identity
  • Mobile-first, fully responsive layouts
  • Conversion-optimized structure (CTAs, landing pages, application flows)
  • Fast loading and performance-optimized
  • Integration-ready with LMS and IBV
  • Ongoing support and maintenance available

SEO — Search Engine Optimization for Lenders

Price: $700 CAD / per site
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Be visible. Be found. Be chosen.

Fintech Financial’s SEO service is built specifically for the lending industry — targeting the keywords, search intent, and local markets that matter most to micro lenders.

Key Highlights:

  • SEO specifically for the micro lending industry
  • Keyword research focused on lending and financial services
  • On-page and technical SEO optimization
  • Local SEO for geographic market targeting
  • Content strategy and blog management
  • Monthly performance reporting and analytics

IBV — Instant Bank Verification

Price: $0.40 CAD / per request
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Verify Your Borrowers’ Financial Data in Seconds

Making a sound lending decision starts with accurate, real-time financial data. Fintech Financial’s IBV (Instant Bank Verification) service connects directly to your borrowers’ banking institution through a secure, trusted third-party provider — delivering a complete picture of their financial health in seconds, not days.

No more requesting bank statements. No more manual document review. No more risk of fraudulent or outdated information. IBV pulls live banking data — income, account balances, transaction history, and cash flow patterns — giving your underwriting team everything they need to make a fast and confident decision.

Fully secure, fully compliant, and seamlessly integrated with JERI and the LMS for an end-to-end automated lending workflow.

Key Highlights:

  • Real-time connection to borrowers’ bank account
  • Instant access to income, balances and transaction history
  • Eliminates manual document collection and review
  • Fraud-resistant — data pulled directly from the source
  • Secure, encrypted data transmission
  • Integrated with JERI and the LMS

Live High-Quality Canadian Micro Loan Leads

Stop overpaying for expensive Google Ads and Social Media Pay-Per-Click campaigns.

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Everything Included:

  • One of the lowest-cost lead sources in Canada – starting at $6 per lead
  • Optional cost-per-funded lead models available for performance-based scaling
  • All leads are real-time and intent-driven, not aged or recycled data
  • Generated through a large network of SEO-ranked websites and landing pages
  • Established micro lending database since 2003

JERI — Automated Decisioning Tool

Price: $0.75 / per decision
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Modern lenders scale their business with JERI not employees.

Filter Out Wasteful Application Volume

  • Automatically removes low-quality and non-viable applications
  • Ensures your team only focuses on potentially fundable borrowers
  • Fully Customizable Rules based on your lending criteria

Faster Decisions = Higher Conversion Rates.

  • Automated approval/decline decisions in minutes
  • Instant contract generation 24 hours a day, 7 days a week
  • Specifically designed to improve signing rates

24/7 Lending Without Staff Constraints

  • Works continuously, no sick days, vacations, or staffing limitations
  • Converts borrowers applying at night, weekends, and off-peak hours

Automatically Re-evaluates Past Applicants

  • Identifies past applicants who may now qualify based on updated financial data
  • More efficient than mass email marketing campaigns
  • Maximizes the value of your existing borrowers database

Remote Workers — On-Demand Talent for Lending Operations

Price: $9.50 CAD / per hour
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World-Class Remote Talent. Fraction of the Cost.

Key Highlights:

  • Experienced specialized collection workers 
  • Save up to 50% on labor costs vs local hiring
  • Time-zone aligned for real-time team collaboration
  • Contract Work. No overtime, sick days or vacation
  • Full onboarding, payroll and compliance management handled

Payment Processing — Seamless Transaction Management

NSF/CB cost: $ 1.00 / Transaction cost: $ 0.25 / Returns (All 900's): $ 0.50
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Stop wasting your money by paying $7.00 per NSF

Key Highlights:

  • Seamless integration with LMS and Collections module
  • Multiple processing companies integrated as a Plan B 
  • Automated updated payment status

Price list

EFT PROVIDER

Global Accept/Pay

  • NSF/CB $ 1.00

    (Depending on volume)

  • Transaction $ 0.25
  • Returns (All 900's) $ 0.50

Zum Rails

  • Set Up (one time) $ 1,000.00
  • Montly min $ 250.00
  • NSF/CB $ 2.75

    (2.50 at 5000 trs)

  • Transcactions $ 0.35
  • Email/ Interac TRF $ 0.70
  • IBV $ 0.40
  • Cancel Email/Interact TFR $ 0.70

IBV

Flinks

  • 11,500+ per month $ 0.45
  • 20,000-35,000 $ 0.40
  • 35,001-50,000 $ 0.35
  • 50,001+ $ 0.30
Enrichment Included (Attributes)

Inverite

  • Monthly platform fee $ 100.00
  • Min transaction fee $ 0.00
IBV /Credit Risk / ID Verify
  • 250 $ 1.00
  • 500 $ 0.95
  • 1,000 $ 0.90
  • 2,500 $ 0.75
  • 5,000 $ 0.70
  • 10,000 $ 0.65
  • 25,000 $ 0.50
  • Convert Flinks into
    Inverite IBV     $ 0.15
  • Micro Check $ 1.50

Zum Rails

  • Set up fee $ 1,000.00
  • Min Monthly $ 250.00
  • IBV $ 0.40

EMAILING PLATFORM

YOU GET 20% DISCOUNT 1ST THREE MONTHS

PER CONTACT NOT EMAIL. CHEAPER THAN: SENDGRID, BREVO, MAILGUN, MAILCHIMP ETC..

CONTRACTS E-SIGNATURE

PMT VOLUME COST PER SIGNATURE PLUS CREDITS COST AFTER CREDIT
$ 50.00 $ 72.00 $ 0.69 0% $ 0.69
$ 100.00 $ 140.00 $ 0.69 0% $ 0.69
$ 500.00 $ 760.00 $ 0.66 5% $ 0.63
$ 1,000.00 $ 1,600.00 $ 0.63 10% $ 0.57
$ 5,000.00 $ 8,700.00 $ 0.58 20% $ 0.48
$ 10,000.00 $ 22,000.00 $ 0.46 50% $ 0.30
$ 20,000.00 $ 58,000.00 $ 0.35 100%
$ 50,000.00
 $ 180,000.00 $ 0.28 150%
$ 100,000.00 $ 430,000.00 $ 0.23 200%
$ 200,000.00 CONTACT THEM

SOFTWARES

FROM $350 TO $900 / MONTH

  • Month (1 User Included) $ 900.00

    Each Additional User $85 per month​

  • Enterprise Package: Can spread cost over all branches $ 1,191.00

    Max Unlimited Users

  • SMS Two Way Platform $ 100.00

    Optional

COLLECTORS

LICENSED COLLECTOR FOR ALL "DEAD" FILES

Statistics are they Collect 16-18% of dead files.
* Commission: Of the money they collect they take 25%.
  • Eg. $ 1,000,000 dead Files (15% collection rate to be conservative) $ 150,000.00

    11,500 a month

  • Commission is 25% $ 37,500.00
  • Net $ 112,500.00

    Net about 11%

REMOTE WORKERS

Same time zone, excellent work ethic, English

  • Contract, no vacations, no paid sick days, no overtime etc. $ 9.50

    Per hour

WEBSITES

  • SEO $ 700.00

    Per month / site

  • Website build with Elementor $ 700.00

LEADS

  • Lead $ 6.00

    Minimun 100 / per day

JERI - DECISIONING TOOL

  • JERI (Underwritter Decision Tool) $ 0.75

    Per Decision

  • IBV $ 0.50

    Per Record

  • CUSTOMIZED JERI with Lender's Rules $ 0.50

    Per Decision

Terms & Conditions

Notice: Any transactions done on this site are deemed to have taken place at our office, regardless of where the site might have been viewed from.

Warning: A micro loan is intended as a short-term financial solution to a short term problem. The first loan has to be paid in full before a new loan can be issued.

Terms and conditions: In this Agreement (“Agreement”), the words “you or your” mean the customer identified on front. The words “Us”, “Our” mean Fintech Financial.

1. Acceptance – As set forth herein, you accept the terms and conditions as outlined in this Agreement by authorizing us to debit your bank account when your loan comes due. This Agreement is a confirmation of our agreement including the terms, which were available to you in writing from our office, on our website located at www.fintechfinancial.ca and verbally from one of our operators prior to the completion of the transaction.

2. Electronic Presentment of Funds – You agree to the electronic presentation by us of any funds owed and to the representation of any presentations that are returned to us for any reason. Such electronic representation may be for less than the original amount owed to us or in any increments totaling the amount due including the maximum permissible non-sufficient funds fees charged by us.

3. Class Action – You agree, to the extent permitted by law, that you will not bring, join, or participate in any class action or multi-plaintiff action as to any claim, dispute, or controversy you may have against Fintech Financial. You agree to the entry of injunctive relief to stop such a lawsuit or to remove yourself as a participant in the suit. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually as outlined herein.

4. Documentation – You agree that electronic mail, electronic forms, records, photocopies, and /or facsimile copies of the documents you submit are valid and enforceable as the original. Further, you agree that by verbal consent in person or by phone, typing your name as your electronic signature, or any other manner or method of acceptance as outlined herein constitutes an acceptance of all terms and conditions of the Agreement for which will be deemed valid and binding on all parties to this Agreement.

5. Electronic Signature/Verbal Consent – By agreeing to this application, you understand and agree to all terms and conditions of this Agreement and by submitting the online application by Internet or by phone, you are applying for a micro loan and certify that information provided by you is true and correct under penalty of perjury. You agree that upon submission of your electronic signature or verbal consent by phone, you are not presently involved in, or contemplating bankruptcy now or in the future. You authorize us to verify the information in this application and here by give Fintech Financial consent to obtain information on you from a consumer reporting agency or other various means available. You understand that Fintech Financial reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, you understand verification of the information you have provided is necessary, including, but not limited to, employment and bank account verification. You accept personal responsibility for safeguarding any PIN or CUSTOMER NUMBER that might be assigned to you.

Privacy Policy

We value your trust and understand the importance of protecting your personal information. This privacy policy outlines how Fintech Financial ensures the security and confidentiality of your data.

By using our services, you agree to the practices described here in:

1. Information Security:
Fintech Financial is committed to maintaining a secure internet environment for all our customers. We employ industry-standard SSL encryption, ensuring that your personal and banking information is transmitted securely, just like the banks do. Our security measures are continuously updated to safeguard the privacy of our customers’ data.

2. Internal Limited Access:
Access to your information is restricted to authorized staff members and managers only. All our employees undergo rigorous background checks before being granted access to customer data. This limited access ensures that your information is safeguarded and used solely for the specific purposes for which it is required. Such as processing loan applications, improving our services, evaluating credit worthiness, and providing customer support.

3. Sharing Data with Third Parties:
In order to facilitate loan processing, manage your accounts, and enhance our services, we may share your personal information with carefully selected third-party lenders, financial institutions, credit bureaus, debt collectors, marketing partners, and other relevant entities. These parties have committed to upholding the confidentiality and security of your data and will utilize it solely for the purpose of evaluating your loan application or providing related services.

AppHub Data Sharing:

When you submit information through AppHub, it is shared with multiple lenders and/or brokerages to optimize the success of your loan approval. Our vendors and their partners may contact you via email, phone, or SMS (standard messaging rates may apply, varying by carrier). You have the option to opt out at any time by texting HELP for assistance or STOP to cancel.

4. Phone call, SMS Consent:
By providing your phone number to Fintech Financial, you consent to receive calls and/or SMS messages from us. These messages may include transactional notifications, promotional offers, account updates, customer surveys, or other relevant information about your application or account with Fintech Financial.
You have the right to revoke your consent for receiving calls or SMS messages at any time. To opt-out or unsubscribe, please follow the instructions provided in the SMS messages or contact us using the information below.

5. Email Consent:
By providing your email address to Fintech Financial, you consent to receive emails from us. These emails may include transactional communications, promotional offers, account updates, customer surveys, or other relevant information about your application or account with Fintech Financial.
You have the right to revoke your consent for receiving emails at any time. To opt-out or unsubscribe, you can use the “Unsubscribe” link provided in our emails or contact us using the information below.

6. Data Retention:
We will retain all personal information shared with us for as long as necessary to fulfill the purposes outlined in this policy, or as required by applicable laws and regulations. If you wish to have your data deleted, please contact us using the information below.

7. User Rights:
You have the right to access, rectify, and delete your personal information held by Fintech Financial. If you would like to exercise any of these rights or have questions about your data, please contact us using the information provided below.

8. Cookies and Tracking:
Fintech Financial may use cookies and similar tracking technologies to enhance your browsing experience and gather information about how you use our website. 

Contact Information:

If you have any questions, concerns, or requests related to your privacy or this policy, please don’t hesitate to contact us: info@fintechfinancial.ca

Get in Touch

Whether you want to automate loan decisions, buy or sell qualified leads, or build a remote team at half the cost — our team responds within one business day.

  • 6000 Cote des Neiges,
  • Suite 250-F
  • Montreal, QC
  • H3S 1Z8
  • info@fintechfinancial.ca
  • (888) 908-4305