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Happy Loan Corp.
Location: Calgary, AB
Happy Loan Corp. is a non-bank short term lender that provides fast, same-day funding private mortgages and loans for those who cannot get financing through traditional sources. Our lenders are primarily individual private investors and we also lend our own capital out. Happy Loan Corp. is an additional product to serve homeowners looking to borrow less than $10,000.
Same day funding – We provide same day funding if we receive an application and supporting documentation before noon.
Experience in private lending – We have over 20+ years in the mortgage/private lending industry as brokers and as direct lenders.
In-house Real Estate services – At our office, we have an in house real estate associate (Realtor). He is related to the owner of the mortgage brokerage and is a vital part of the business. He is able to provide fast, efficient, and reliable selling/buying services to our clients as a bundle. He is also able to review appraisals and provide additional information on property values for our lenders.
Equity lending – As private lenders, borrowers with bad credit and poor income are typical. We have established an objective review process that ensures borrowers are able to service their debt. However, our main focus is on the collateral provided by the borrower. All of our mortgages are secured and in most cases loans are secured as caveats.
In-house collection services – We collect arrears in-house and have relationships with all top foreclosure/collection lawyers in the province. We are able to get short redemption periods and default judgements for our mortgages and loans. We also have the opportunity to secure our judgements on personal property and garnishing wages and bank accounts if necessary.
Small team of experienced associates and staff that understand issues (self employed, bad credit, etc.) – We have a small team of licensed mortgage associates that are able to competently qualify borrowers. We also have a small support team that is under direct supervision and have been trained to use our semi-automated CRM system. This ensures we provide a fast response to requests, quick turnaround times for funding, and exceptional follow up with leads/clients. With more than 20 years of experience in the mortgage and loan industry we understand how to analyze deals.
Risk management – 20+ years of underwriting experience in private lending and objective review processes allow us to manage risk with high risk borrowers.
Value proposition – Fast, same-day funding for people when they have an emergency.
Secured investment – Loans and Mortgages secured on title of the collateral.
Great customer service – Exceptional 24/7 customer service with problem solving mentality.
Zoltan M. Padar, Managing Partner
Immigrated to Canada in 1981 from Hungary. Worked in the steel industry as a welder for the first two years while learning English. Enrolled in Hotel and Restaurant Management for Diploma, finished the 4 years in 2 years. Developed entrepreneurial spirit and took position as manager at King Edward Hotel for 4 years, taking revenue from $6,000 to $36,000 per week. Purchased a laundromat in 1986, at same time started building own restaurant from scratch. Sold both laundromat and restaurant in 1991. Started a successful pre-owned vehicle sales business Trustworthy Auto Sales, opened a second location within 2 years, purchased real estate, flipped properties, and held rentals. Began financing own vehicles leading to huge account receivables in a few short years. Sold all remaining inventory and moved to the US in 2000 and opened new dealership. Returned to Canada in 2002 and started lending out own capital into mortgages. Founded Private Lender Inc. Invested in all types of real estate residential and commercial for various purposes e.g. mortgages, flipping, development, holding. Current net worth approximately $4,000,000 statement can be provided
Konstantin Kuligin, Managing Partner
Konstantin Kuligin is a seasoned mortgage broker, private lender, serial entrepreneur, and philanthropist whose innovation, compassion, and unique aptitude have earned him the reputation as a community leader and sought-after industry expert. Over the course of half a decade, he has garnered extensive knowledge within his field, specializing in not only private lending, but 2nd mortgages and commercial mortgages.
From establishing a lucrative auto company as a teenager, to launching three successful financial advisory and money lending companies, Konstantin has been a go-getter and consistent top achiever for as long as he can remember. Today, he serves as Private Lender & Commercial Mortgage Broker at Mortgage Pro Ltd. and the Managing Partner of Eclato Group Inc. and Best Capital Corp. while expanding his brand-new company, Happyloan.ca. Known for his outside-of-the-box mentorship, he conducts intensive coaching through CashflowBusiness.club.
Infinitely dedicated to giving back, Konstantin also volunteers for Kiva.org and has assisted hundreds of people since 2014. Chairman of Foundation for the Advancement of Entrepreneurship (www.FAE.ngo). In addition, he runs an exclusive, growing group of like-minded entrepreneurial spirits called The BEST CASHFLOW Club. At the end of the day, his vision is to simply create quality job opportunities and successful business owners that will shape Canada’s entrepreneurial landscape for years to come.
Immigrated from Russia to Canada in June 2010 with his lovely wife Maria. Konstantin Resides in Calgary, AB.
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Location: Newtown, PA
Sector: Life Sciences
Wellesley Pharmaceuticals, LLC was founded to ensure that the ability of Nocturol™ to reduce and sometimes eliminate nocturia symptoms can be disseminated to help the hundreds of millions of people who can benefit from it. Nocturol is a drug to treat nocturia, the frequent need to urinate at night. This sometimes-deadly condition afflicts 2.4 billion people and causes insomnia, fatigue, depression, lower quality of life, higher rates of heart disease, stroke, long term brain damage, and deadly falls.
Huge unmet medical need – 2.4 billion people suffer from nocturia, which causes insomnia, fatigue, depression, lower quality of life, higher rates of heart disease, stroke, long term brain damage and deadly falls.
No viable competition – There is one FDA approved drug to treat nocturia and it demonstrated a 0.2 void/night benefit compared to the placebo. Our result was 4.5 times better than that. Their drug has a black box warning about the dangers of hyponatremia. We had zero side effects reported even among patients using 2 or 3 times the recommended dose.
Strong patent portfolio – Our patent lawyer had been named one of the top 1000 patent lawyers in the world six years in a row. Dr. Ping Wang has never had a patent even challenged, much less overturned. Our patents include doses ranging from 5mg (which is useless) to 2000mg (which could be deadly). We believe we have a huge wall of IP around our invention.
Instant efficacy – Our drug is to be taken 30 minutes before bedtime since it is effective in 30 minutes.
Lack of side effects – We are using about 20% of the recommended daily dose of the two component drugs for a 10-year-old child. If it is safe for a 10-year-old to take 5 times per day, we think it should be very safe for most adults to take once per night.
Superior efficacy – Compared to placebo, our clinical trial demonstrated 4.5 times higher efficacy than the only FDA approved drug for nocturia.
High profit margins – As an LLC, we pay no corporate income tax. As a virtual corporation, we have almost no overhead expenses. We have only one full time employee. We expect net income margins to approach 95% of revenue.
David A. Dill, CEO and President
David Dill is the inventor of Nocturol and the founder of Wellesley Pharmaceuticals, LLC. Nine years ago he made six changes in his life and since then has over 100 inventions. When he realized that one of them could have a major impact on the world, he left his CFO position to focus fulltime on nocturia, which killed his father-in-law and leads to thousands of deaths per day. He graduated summa cum laude from Princeton University in 1973 with a degree in economics. He graduated from MIT’s Sloan School of Management in 1975 with a Master’s degree in finance and marketing. He spent 19 years at IBM rising to CFO of a $2 billion business unit. Since then he was VP Finance at General Instrument and CFO at 7 venture backed companies in 7 different industries, including Worldgate Communications, PlasticsNet, StorageApps, Digital 5, Telewares, Orchestria, and Undertone. Key Career Milestones Achieved: One IPO (Worldgate Communications in 1999), one sale of a company for $350 million (StorageApps sold to HP in 2001), over 100 inventions in the last 9 years.
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Freightera Logistics Inc.
Location: Vancouver, BC
Freightera has solved a fundamental problem in logistics by creating a unified pricing, availability and booking system usable by transportation companies of all sizes (‘Expedia for freight’). Freightera provides an automated online B2B marketplace for commercial shippers providing instant all-inclusive freight rates from hundreds of carriers and 100% online booking.
Integrated system – Search, booking, lading documentation and invoicing generated simultaneously offering huge productivity gain
Multimodal – Application built to serve all modes of commercial transport
Multi-regional – Application built to serve any geographic region
Single contact – Booking, shipping, insurance, tracking, customer care and settlement all handled by Freightera.
Green option – Shipper can choose Carriers and modes with lower emission options.
Scalable – Unlimited capacity of system
1. Proven market – Freight service entrenched and essential to domestic and international trade
2. Expansion within market – Currently addressing < 2% of the global 3PL market and predicted growth
3. M&A – Significant consolidation and acquisition activity of this type of service by major industry and technology players.
Eric Beckwitt – Founder, CEO, and Director
Eric has successfully designed, obtained funding for and implemented large scale private and government resource management projects for 24 years. Eric has worked as a GIS Analyst, developed global business websites and reported on IT projects to international organizations, to Congress and the President of the U.S. Eric was the principal development team leader and patent holder of what has become the Freightera freight marketplace application.
Zhenya Beck – Vice President, Marketing
Zhenya has a Master’s degree in Journalism from Irkutsk State University and as Co-Founder of Centauria Design, she worked with large organizations and NGOs in web design, web development and online automation services. In 2013, she directed the design and content development process that won “Best Transportation Website” award among 66 countries in the Web Marketing Association’s WebAwards. Zhenya is the recipient of the Award of Achievement in Digital Analytics from the University of BC and is responsible for Freightera’s marketing with an emphasis on promotions and optimizing the company’s exposure.
Norris Phillippe – Vice President
Norris worked for 20 years in the freight industry across Canada, the U.S. and overseas and for 15 years as the Co-founder, President & General Manager of Enterprise CodeWorks, a software development and consulting company with clients ranging from start-ups to multinationals. His entrepreneurial experience and background knowledge of Freightera’s two core business components provides support to management and the rest of Freightera’s team. Norris has an MBA from the University of Liverpool. He is a partner and Vice President of Equifaira Advisors Inc., which provides management consulting and advisory services.
Todd Buchanan – Advisor, Strategy & Execution
Todd has worked with over 100 Fortune 500, public and private companies, on the creation and implementation of business process management methods and technology. He founded SiCam Systems Corporation, a hi-tech company that conducts research, development and international deal delivery of specialized process management technology products and consulting services. Most recently, Todd was a founding executive of the LYFE Kitchen and Luvo food brands in the position of Vice President, Strategy and Execution, primarily responsible for raising the capital required from start-up through hyper growth, building the operating plan and infrastructure to scale the business. Todd is also a founder, managing partner and director of Equifaira Advisors Inc., which provides management consulting and advisory services.
Asghar Khan – Director
Asghar comes from his previous held positions as Head of Strategy, Asia Pacific for PepsiCo; Director, Business Planning for Rogers Communications and Director of Finance & Operations for Nutech Engineering. Asghar brings his experience in strategic planning, financial management and mentorship to Freightera, to assist in the anticipated rapid growth of the company. Asghar has an MBA from The Wharton School, University of Pennsylvania. He is also a founder, CEO and director of Equifaira Advisors Inc., which provides management consulting and advisory services.