BrainFinance Debentures

BrainFinance operates a national lending platform built to serve Canadians who do not qualify for traditional credit. Using advanced Al models and fully digital servicing, the company focuses on transparency, accessibility, and flexible repayment structures.

The Class C Debentures are secured, subordinated, non-convertible, and non-transferable fixed income securities available at accredited investors. With one-year term and monthly interest payment, the structure supports the continued expansion of BrainFinance’s lending operations, technology capabilities, and regulatory capital requirements.

This opportunity offers investors exposure to a mature, profitable fintech operator with a proven lending history, six years of consistent profitability, sustained customer growth, and a disciplined approach to risk management and responsible servicing.

Profitable startup with consistent year-over-year growth BrainFinance is a bootstrapped fintech company with a proven track record of profitability over the past six years, delivering an average year-over-year growth rate of 35%.

Large and Underserved Market‍

More than ten million Canadians fall into the near-prime or non-prime segment, creating a sizeable market not fully served by mainstream banking. BrainFinance provides structured credit alternatives to these consumers, a segment representing an estimated 250 billion dollars in non-prime credit demand. 

Proprietary AI Underwriting‍

BrainFinance’s technology analyzes over 1,500 data points per application and generates automated decisions in under eight seconds. The platform’s Smart Scoring system has produced greater than 90 percent accuracy in predicting probability of default, supporting disciplined lending. 

Established Loan Volume & Portfolio Performance‍

The company has processed more than 3 million applications and originated over 1.4 billion dollars in loans, with a net charge-off rate of 3.9 percent across its portfolio. This long operating history demonstrates the scale and consistency of the platform. 

Competitive Positioning in a Concentrated Market‍

In the short-term lending sector, iCash, a BrainFinance business unit, holds an estimated 22 percent market share, placing it among the top three operators in Canada. 

Attractive Fixed-Income Structure‍

The debentures pay 12 percent annual interest, distributed monthly. For investors seeking consistent income, the structure offers a straightforward coupon-based return profile with a defined maturity date and no equity exposure.

Diverse leadership and strong commitment to gender equality‍

BrainFinance is a technology company led by a woman and demonstrates a strong commitment to gender equality and equal opportunity. Today, women represent 44% of the overall BrainFinance’s workforce and 41% of the management team, reflecting an inclusive culture across both technical and leadership roles.

Proudly Canadian, technology-driven‍

BrainFinance is a fully Canadian technology company that has built and evolved its proprietary platform within Montréal’s vibrant technology and innovation hub.

BrainFinance is reshaping how underserved Canadians access credit by combining advanced AI technology with a decade of lending experience. Through its integrated ecosystem of business units, the company offers a streamlined, fully digital borrowing experience designed for consumers who often fall outside traditional lending criteria.

The Class C Debentures provide investors with access to this established fintech platform. Investor capital supports BrainFinance’s ongoing lending activities, platform development, and regulatory capital requirements, helping the company continue to serve a growing segment of Canadians who rely on responsible, short-term credit options.

Within the BrainFinance Group:

• BrainFinance powers the technology including AI-driven underwriting, Smart Scoring, and automated servicing.
• iCash is the high-volume lending engine operating across seven provinces, known for transparent, fast approvals.
• Earna is the company’s strategic new credit card initiative designed to help consumers build stronger credit profiles over time.

Together, these units form a cohesive system that enables BrainFinance to evaluate credit risk quickly, serve borrowers efficiently, and scale responsibly. 

The Class C Debentures allow accredited investors to participate in the continued growth of this credit ecosystem through a fixed-income structure offering monthly interest payments at a 12 percent annual rate.