PADSIUM CAPITAL INVESTMENTS INC.

What PADSIUM CAPITAL INVESTMENTS INC. does

PADSIUM CAPITAL INVESTMENTS INC. (operating as PADS Financial) is a Montreal-based online private mortgage lender founded in 2022 that originates first and second rank home equity loans secured against Quebec residential property. The company targets Quebec homeowners who have been declined by traditional banks, including subprime borrowers, newcomers lacking Canadian credit history, and homeowners facing 60-day foreclosure. Borrowers complete the entire application online through app.padsfinancial.com, connecting bank accounts via Flinks for verification and receiving an AI-generated approval decision within 24 hours. Loan sizes range from $20,000 to $1,000,000 with terms of 3 to 36 months and interest rates between 9.99% and 21.99%, with all collateral properties located in Quebec.

The core technical differentiator is a proprietary AI underwriting engine that evaluates risk primarily on home equity and loan-to-value ratio rather than credit score, supported by integrations with Equifax for credit data, Flinks for open-banking verification, and Repay for payment processing. A dedicated broker portal launched in 2024 (agents.padsfinancial.com) enables licensed Quebec mortgage brokers to submit and track client applications through the same AI pipeline, and an investor marketplace connects accredited Canadian investors with loan opportunities, creating a captive funding channel. The stated product roadmap extends beyond equity release into purchase and refinance mortgages.

The business is privately held by its two founders — Stephane Perez (Co-Founder and CTO) and Levi Wizman (Managing Director) — with no disclosed institutional funding rounds. The company is a member of the Canadian Lending Association. Revenue is generated from interest income on originated loans, origination and servicing fees, and capital deployed through the investor marketplace. Distribution is fully digital: direct-to-consumer via the proprietary web application and through the partner broker channel, supplemented by content marketing, SEO, and organic social media.

Name

PADSIUM CAPITAL INVESTMENTS INC.

Legal name

PADSIUM CAPITAL INVESTMENTS INC.

Website

https://padsfinancial.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

PADS Financial is a Montreal-based online private mortgage lender serving Quebec homeowners declined by traditional banks. Its AI-driven platform originates $20K–$1M home equity loans with 24-hour approvals, complemented by a broker portal and accredited-investor marketplace.

Ownership category

akta.pro rank

Product category

Private Mortgage Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

akta.pro secondary industries

Real Estate Private Credit (CRE Debt) (FSANADAG), Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Private mortgage lending
• Home equity loans
• Alternative lending platform
• AI underwriting
• Mortgage refinancing

Headquarters

HQ city

Montreal

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain, Infrastructure, Others

Revenue model

1. Mortgage Loan Origination & Servicing Fees: PADS originates and services private home equity mortgage loans, earning fees from the loan origination and servicing process. The company facilitates mortgage loans between borrowers and Canadian private investors who fund the loans. All properties used as collateral are located in Quebec, Canada.
2. Interest Income from Funded Loans: PADS earns interest income from the home equity loans it originates. Interest rates range from 9.99% to 21.99% depending on borrower profile, equity available, and loan term. Loans range from $20,000 to $1,000,000 with terms of 3 to 36 months.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

PADS Financial operates an online platform that originates and services private first and second rank home equity mortgages for qualified Canadian homeowners in Quebec. The company underwrites loans using proprietary AI models that evaluate equity and loan-to-value rather than credit scores, providing 24-hour approval decisions on loan amounts from $20,000 to $1,000,000 with 3-36 month terms. Loans are funded by Canadian private investors and distributed directly to consumers online, with a parallel broker portal for licensed mortgage professionals and an investor marketplace for accredited participants.

Product overview

PADS Financial operates as a unified online platform offering first and second rank mortgage loan origination and servicing for qualified Canadians in Quebec. The core product is the Home Equity Loan, supplemented by New Purchase and Refinance mortgage products. Additional offerings include a specialized 60-Day Foreclosure Notice Solution for at-risk homeowners, the Broker Portal for mortgage broker partners to manage client applications, and an Investor Platform connecting lenders with loan opportunities. Supporting tools include a Quick Home Quote Tool for instant rate estimates and a Loan Calculator for payment projections. All products are accessed through a 100% online experience powered by proprietary AI underwriting models.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Equity Loan Secured loan leveraging the borrower's property equity as collateral for qualified Canadian homeowners in Quebec. Loan amounts range from $20,000 to $1,000,000 with terms of 3-36 months and interest rates starting at 9.99%, with up to 80% of property value minus existing mortgage balance accessible and AI-driven underwriting.
• New Purchase Mortgage First or second rank mortgage financing for Quebec borrowers seeking to secure a new property purchase, funded by Canadian private lenders through the PADS online platform.
• Refinance Mortgage Mortgage refinancing services for Quebec homeowners seeking greater financial flexibility, allowing borrowers to access home equity and restructure their existing mortgage through PADS' AI-driven online platform.
• 60-Day Foreclosure Notice Solution Specialized home equity loan solution for Quebec homeowners who have received a 60-day foreclosure notice due to mortgage default, unpaid taxes, unpaid condo fees, or other secured debts. PADS provides up to 70% of property value to clear debts and help the homeowner retain ownership, with fast approval and funding.
• Broker Portal Online partner platform for licensed mortgage brokers and lending agents to register as PADS partners, submit client home equity loan applications, track file status, view KPIs (active loans, pending invites), and monitor commissions. Brokers receive soft approval within one business day for submitted files.
• Investor Platform Online marketplace connecting accredited Canadian investors with home equity loan opportunities originated on the PADS platform. Provides loan diversification, AI-powered application processing, and portfolio management tools for investors seeking secured, asset-backed yield from Quebec residential mortgages.

Quantifiable outcome

• Approval decision within 24 hours
• +4 more outcomes

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability5 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and supporting.

• EquifaxcoreTechnology or IntegrationEquifax is a technology integration partner providing credit reporting services. PADS leverages Equifax's credit data infrastructure as part of its underwriting process to assess borrower creditworthiness, though PADS does not rely solely on credit scores for loan decisions.
• FlinkscoreTechnology or IntegrationFlinks provides secure bank account connectivity and automatic income verification services. PADS integrates Flinks technology to allow borrowers to securely connect their bank accounts, enabling automated income verification without manual document uploads. Data is protected through tokenization and encryption.
• RepaysupportingTechnology or IntegrationRepay is a payment processing technology partner integrated into the PADS platform for handling loan repayments and fund transfers. PADS uses pre-authorized debit for loan repayments, with Repay facilitating payment processing and fund transfers.
• Canadian Lending AssociationsupportingOthersPADS Financial is a member of the Canadian Lending Association (CLA), a trade association for private and alternative lenders in Canada. Membership provides legitimacy, industry representation, and adherence to CLA standards for quality customer service, competitive interest rates, and flexible terms.

Scale indicators1 record

Recent moves2 records

Expansion highlights5 records

Broad incumbents

• HomeEquity Bank: HomeEquity Bank is Canada's largest provider of home equity lines of credit and reverse mortgages. It is a broad incumbent in Canadian home equity lending, offering an overlapping product set to PADS but with much greater scale, federal charter, and prime-borrower focus.
• Equitable Bank: Equitable Bank is a Canadian Schedule I bank focused on alternative mortgage lending, including insured and uninsured residential mortgages. It is a broad incumbent competitor in the Canadian alternative mortgage space, offering overlapping products to PADS but at a national scale with deposit funding.
• First National Financial: First National is a leading Canadian non-bank mortgage originator and servicer, with a large alternative lending business for non-prime borrowers. It is a broad incumbent comparable to PADS in serving the non-prime residential mortgage segment, but with national reach and significant institutional funding.
• CMLS Financial: CMLS is one of Canada's largest private mortgage lenders, providing alternative lending solutions across residential, commercial, and construction. It is comparable to PADS as a Canadian private mortgage lender serving borrowers outside the traditional bank channel, but at materially greater scale.

Emerging players

• Borrowell: Borrowell is a Canadian fintech offering credit products, loans, and credit-score monitoring. It is an emerging player with partial overlap to PADS, sharing the Canadian consumer fintech distribution channel and AI-driven credit decisioning approach, though focused on broader consumer credit.
• Properly: Properly is a Canadian real estate technology company offering buying, selling, and mortgage services. It is an emerging player comparable to PADS in the Canadian real-estate-anchored fintech space, with adjacent product overlap in home financing though broader in scope.
• Fig Financial: Fig is a Canadian financial services platform focused on lending and credit products for consumers and small businesses. It is an emerging player with thematic overlap to PADS in non-bank Canadian consumer lending, but operating at a different scale and product focus.

Direct peers

• Pineapple Financial: Pineapple is a Canadian mortgage technology company serving borrowers and brokers through a digital platform. It is a direct comparable to PADS in its focus on the Canadian mortgage channel, broker portal distribution model, and tech-enabled origination approach.
• Dominion Lending Centres: Dominion Lending Centres is Canada's largest national mortgage broker network, connecting borrowers to a panel of alternative and private lenders. It is comparable to PADS as a Canadian mortgage distribution channel for non-bank lending, and overlaps directly with PADS's broker portal strategy.
• Nesto: Nesto is a Canadian online mortgage brokerage and lending platform offering AI-driven mortgage origination. It is directly comparable to PADS in operating a fully digital mortgage experience and targeting the same Canadian consumer, though with broader geographic reach and a prime-borrower tilt.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/padsfinancial
• Facebookfacebook.com/padsfinancial
• LinkedInlinkedin.com/company/padsfinancial
• Instagraminstagram.com/padsfinancial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PADSIUM CAPITAL INVESTMENTS INC.