Empowering Multiple Industries with Innovative and AI-powered
Fintech Solutions
CSE: MRBL | OTC: MRBLF | FSE: 2V0
At Marble Financial, we are dedicated to revolutionizing the fintech industry with innovative and AI-powered solutions. Our cutting-edge technology empowers multiple industries to optimize their financial processes and achieve their business objectives with greater efficiency and effectiveness. Join us on our mission to transform the world of finance with technology that drives progress and creates value for all.
Empowering Multiple Industries with Innovative and AI-powered
Fintech Solutions
CSE: MRBL | OTC: MRBLF | FSE: 2V0
At Marble Financial, we are dedicated to revolutionizing the fintech industry with innovative and AI-powered solutions. Our cutting-edge technology empowers multiple industries to optimize their financial processes and achieve their business objectives with greater efficiency and effectiveness. Join us on our mission to transform the world of finance with technology that drives progress and creates value for all.
Alternative lenders operating in the automotive, mortgage, power sports, payday, and buy now pay later industries encounter a common challenge – the inability to provide consumers with adequate financial support due to the absence of real-time and unique consumer credit, banking, and scoring data.
Market Opportunity
The Underbanked Lending Industry is the fastest growing sector of the North American economy
Many people need advice on properly managing their finances, but do not feel that they have the time or resources to seek out professional advice. Marble’s intuitive software aims to provide value for all who need personalized financial guidance.
0M
North Americans
The Solution
Through our B2B platforms, we offer AI-powered financial empowerment solutions to help alternative lenders better transact with their customers.
Innovative Technology
B2B REVENUE: FOR BUSINESSES (Key Growth Drivers)
SaaS Revenue
Turn-key solution offering our financial wellness platform that turns their noncredit-worthy into credit worthy customers. Improves lenders ROI on its customer base.
Transactional Revenue
An open banking platform that offers risk modeling and validation of key lending metrics form their customers: banking, age, income and historical financial data, for both alternative and mainstream lenders.
Lead Generation Revenue
Our IP marketing/lending engine that attaches enhanced credit decisioning information to online leads for instant pre-approval and directs non approved leads into MyMarble for financial rehabilitation or re-financing.
B2B2C AI PLATFORM REVENUE: DESIGNED SOLUTIONS FOR CONSUMERS TO ACHIEVE THEIR FINANCIAL GOALS
Get a car
MyMarble helps consumers get a new car by providing them with access to a network of reputable car dealerships and lenders, as well as personalized financing options based on their credit and financial situation.
Get a Mortgage
MyMarble helps consumers get a mortgage by using advanced algorithms and AI technology to match them with the best lenders and mortgage options based on their individual financial profiles.
Rent a Condo
MyMarble helps consumers rent a condo by utilizing advanced technology to match them with available units that meet their specific criteria and offer support throughout the rental process to ensure financial prosperity.
Pay Off Debt
MyMarble helps consumers pay off debt by providing them with a comprehensive debt management plan and recommendations that includes personalized budgeting tools, payment reminders.
Recent Milestones & Achievements
Marble’s proprietary technology has been helping
people take back their financial health since 2016.
Q3 2021
138 B2B partnerships
19,514 MyMarble members
1.48 million unique customer financial data points
Launched Connect API
Achieved record 80,000 Inverite monthly transactions
Launched credit-improving Boost program
Q4 2021
157 B2B partnerships
28,716 MyMarble members
1.64 unique customer financial data points
Achieved record 4,000 Inverite daily transactions
Appointed Rose Zanic as CFO
Closed $2M private placement
Relaunched Fast-Track loan program
Q2 2022
162 B2B partnerships
32,294 MyMarble members
1.8 unique customer financial data points
Introduced new rent reporting service
Q2 2022
186 B2B partnerships
39,539 MyMarble members
2.0 million unique customer financial data points
Canadian Lenders Association (CLA)’s 2022 Leaders in Lending Awards Shortlisted Marble and CEO Karim Nanji as finalists
Pending acquisition of eBunch, a Canadian AI-powered digital marketing firm
Licensing agreement with thirdstream (50+ BFSI clients & 6.4M users)
Marble is a pioneer in the financial services industry providing a solution for the underbanked. We are positioned to provide a premium solution to help Canadians achieve financial wellness. Our success and ability to grow our company lies in the following areas:
$110 Billion North American FinTech Industry (2026 est.)
Well-positioned to capitalize market opportunity with unique technology offerings
Strong Infrastructure
Proprietary AI and ML powered technology with significant competitive advantages
Cost-Effective
Leveraging channel partnerships to cost-effectively acquire new customers and enter new markets
Growing Client and User Base
Multiple B2B clients signed for Connect, Accumulate, and Inverite
Stay up to date and join the Marble Investor Community
Narayan Sainaney
Narayan loves the intersection of technology and business strategy. He has a passion for all things technology and his motto is: if it runs on silicon, I can master it. With a career spanning desktop applications, web, mobile and now cloud computing, Narayan has shipped products that run on numerous platforms (Mac, Windows, Linux, iOS, Android, AWS, Azure).
Prior to CodeZero, Narayan founded Mojio, the first company to connect cars to the internet and has held roles at Microsoft and Aldus.
Doug Tanner, VP, Business & Corporate Development
Doug is a serial entrepreneur with a focus on strategy and implementation. Early in Doug’s career, he created sales training programs that were implemented across multiple channels and facilities Canada-wide.
Mr. Tanner went through his career winning multiple sales awards and was a continuous success in a direct-to-consumer capacity. Doug has since moved into the B2B space specializing in sales and implementation. With his vast knowledge of technical sales, he has been able to achieve great success in Commercial real-estate, Recruitment and HR, Saas and more recently Fintech. Doug takes a consultative approach to most challenges and works at defining the goal with every partnership and reverse engineers the solution.
In Doug’s free time he likes to golf and spending time with family.
Karim Nanji, CEO
Mr. Nanji is an accomplished senior growth, strategy, product and technology leader with a proven track record for building and commercializing world-class financial technology.
He has a significant background in retails financial services for underbanked, underserved and credit-challenged consumers in Canada, the United States and international markets. Mr. Nanji is a concept through execution leader with over 25 years of experience across start-up, growth, enterprise and Fortune 500 organizations.
Karim has a Bachelor of Arts in Economics from The University of British Columbia and a Master of Business Administration in the Management of Technology from Simon Fraser University.
Jim Chan, CTO
Mr. Chan is a well-versed technology executive with a great reputation for building world-class technology teams and infrastructures. He has over 20 years of experience leading technology teams in developing some of the most advance financial technology solutions at one of Canada’s fastest-growing companies.
Jim has a Bachelor of Applied Science from the University of British Columbia and is a registered Professional Engineer in BC.
Alastair Brownlow, CFO
Mr. Brownlow previously worked as an auditor in the British Virgin Islands specializing in financial and regulatory reporting of public and private fund and trust companies. Prior to this Mr. Brownlow worked for a Canadian chartered accountant firm gaining significant accounting experience auditing public companies in Canada and throughout the world.
Mr. Brownlow completed a Bachelor of Business Administration with first class honours from the Simon Fraser University and is a Canadian Chartered Professional Accountant and a U.S. Certified Public Accountant (Washington).
Daniel McClure, Advisor, Strategy & Development
Mr. McClure is a seasoned executive and financial industry veteran with over 25 years of experience.
Dan has worked in a variety of positions, starting in technology as a manufacturing engineer, then in sales and marketing. He moved into the capital markets, initially investment banking, then progressing into leadership roles in investment research, portfolio management, business development, and as the CEO & CIO of an alternative asset manager. He has invested over $3B of AUM across multiple sector and geographic mandates; designed and launched four separate investment funds, two of which were award winners; and is an active Angel investor. He currently serves as President, Blue Deer Capital, where he advises companies on corporate strategy, governance, capital raising and business development initiatives.
Dan is a graduate of Electrical Engineering from Queen’s University and has his Master of Business Administration from the Ivey School of Business.
Patricia Giankas, Advisor
Mrs. Giankas has spent the last 20 years focused on the credit management and debt restructuring space in various capacities including BIA counsellor, bankruptcy and insolvency counsellor and a mortgage broker. Patricia is a visionary and has created software tools to help consumers manage their personal finances and credit. Prior to this, she had a very successful an accomplished career within the banking industry for nearly 20 years.
Patricia’s holistic approach to managing personal finances is depicted in her commitment to people and financial literacy. She is a life skills coach and a minster and has helped many through their life challenges by providing support and guidance. She has authored The Power of Positive Credit and Great Credit NOW. She has co-authored several other books, and also writes monthly for an online magazine.
Rich Elliott, Director, Marketing & Creative
Mr. Elliott is senior marketing and branding specialist with nearly a decade of experience in the technology sector. Originally starting his career at marketing agencies in London, Rich moved over to the Canadian technology scene in which he has gained experience in eCommerce, food technology, and financial technology. During this time, Rich has a proven track record for building well-known brands.
Rich has a 1st Class Honors Degree in Graphic Communication from The University of Northampton (UK).
Rohan Chary, Senior Manager, Product & Technology
Mr. Chary is a seasoned Product Manager & Business Analyst with over 8 years’ experience in spearheading technology solutions for businesses in the financial sector, ranging from SMEs to Fortune 500 companies. He is typically involved in leading high stakes development projects from proof of concept to launch to provide effective solutions for customers, technology partners and internal stakeholders.
Rohan holds a Bachelor of Computer Systems Engineering from Massey University (New Zealand_. He is also a Certified Product Manager with the Association of International Product Marketing & Management (AIPMM).
Mike Marrandino, Executive Chairman, Director
Mr. Marrandino is an experienced C-Level business consultant with a demonstrated history of over 30 years working in the management consulting industry.
His expertise includes business planning, corporate development, mergers & acquisitions, start-ups and transitioning private companies into becoming public companies on the TSXV and CSE. He currently serves as an Independent Director of Global Daily Fantasy Sports Inc., a publicly-traded company listed on the TSX Venture Exchange.
Mr. Marrandino obtained his Mechanical & Industrial Engineer Technologist education from the British Columbia Institute of Technology.
Jason Scharfe, Director of Marble, TPFM and The Phoenix Fund
Mr. Scharfe has over 30 years of insurance broker experience including the role of Managing Director of Marsh Canada Inc., an insurance brokerage company and wholly owned subsidiary of Marsh and McLellan Companies (NYSE:MMC).
He has worked with Marsh Canada Limited for 23 years. Since mid- 2009, Mr. Scharfe has held the position of Pacific Zone Leader of Marsh Canada (Vancouver) and since 2014 he has run the Western region. Mr. Scharfe is a member of the Executive Committee of the Canadian company and of Marsh Inc. globally. His role includes that of senior insurance market liaison which entails relationship management between Marsh and the insurance market within Canada; senior relationship officer in respect to some of the major western clients and programs; responsibilities for business development and growth of the region.
Vikas Ranjan, Independent Director
Vikas is a management professional with an MBA in Finance & Information Systems from McGill University, Montreal, Canada. He is a co-founder of Gravitas Financial Inc. and currently serves as its President and a director. Gravitas is an investment holding and merchant banking company based in Toronto, Canada.
His background includes over 22 years of experience in diverse areas of finance, capital markets entrepreneurship and investing. Before Gravitas he also was a co-founder of Ubika Research, an investment research and capital market services firm and a Co-founder of smallcappower.com, a leading online portal for small cap investments. He currently serves on the boards of several public private companies, including Mint Corp (TSXV: MIT), a globally certified mobile payments company focused on the underbanked segment.
Farhan Abbas, Independent Director
Mr. Abbas has significant entrepreneurial and financial services experience. His early career included roles at RBC Capital Markets, Manulife and State Street. Today, he serves on the Board of Directors of FutureVault Inc., a B2B2C white label digital Personal and Business, Life Management solution utilized by financial services organizations to acquire, retain and reward customers. He has consulted and provided capital markets advice to a number of publicly listed companies. His primary occupation is as CEO of PLK Holdings Inc., a private company which owns and operates fast food franchises across, Alberta, BC and Ontario. Mr. Abbas, also serves as an Advisory Board Member of the Merry Go Round Children’s Foundation which operates the Kids, Cops & Computers program providing new laptops and mentoring to students in six provinces who lack consistent access to technology in their home environment.
Mr. Abbas has a Bachelor of Commerce in Finance and Accounting from McGill University, Montreal, completed his CPA in the United States and is a CFA Charterholder.
Rahul Petkar
Rahul Petkar, President and CEO of Mississauga based Ishkan Inc., is a business leader with over thirty years experience in the financial services and technology sectors spanning Asia, Middle East and North America. Currently, he is also the CEO of Intellect Design Arena Chile Ltda, a leading fintech, providing innovative payment and banking solutions
in Latin America.
Rahul founded Polaris Canada, a banking technology company that serves all major Canadian banks and was responsible for scaling it up to over 250 employees. At TD Waterhouse, as Director International Development, he was a core member of the team responsible for the global expansion of TD’s brokerage business to Japan, UK, Luxembourg and Hong Kong. In the past, he has also worked with Citibank and Merrill Lynch in the business and operations areas.
Rahul has been a speaker and a panelist on topics pertaining to financial services, global sourcing and technology on various occasions including at the Toronto Financial Services Alliance and the Schulich Business School. In 2013, Rahul was appointed by the Mayor of Mississauga to the Mississauga International Partnership Program and to the Mississauga Economic Advisory Board where he currently serves as Chairman. He is a Member of the Institute of Corporate Directors in Toronto and a Charter member of The Indus Entrepreneurs (TiE), the largest global not for profit association supporting entrepreneurs and entrepreneurship.
Rahul is a Bachelor of Engineering ( Mechanical) from VNIT, Nagpur and has an MBA from Indian Institute of Management, Bangalore
Blake M. Elyea
Blake M. Elyea, A Chartered Professional Accountant (CGA), Chartered Insolvency and Restructuring Professional (CIRP) and Licensed Insolvency Trustee (LIT), Blake has over twenty-five years of professional experience providing business owners, individuals, shareholders, board of directors, financial institutions and stakeholders with financial advisory, restructuring, insolvency, audit, accounting and tax advice.
Blake’s professional experience includes thirteen years at two National Accounting and Advisory Firms; and 4 years as a Partner, Shareholder and Managing Director of a mid-sized Financial Advisory and Restructuring Firm. Blake has broad industry knowledge across many sectors including high tech and automotive finance, pulp and paper, packaging, transportation, forestry, biotechnology, manufacturing, agriculture, non-profit organizations, construction and real estate.
Blake currently provides independent Financial Advisory and Restructuring Services to companies throughout Western Canada.
Estelle L'Heureux
Ms. L’Heureux has specialized in the alternative lending space for seven years with diverse experience in fund management, sales & operations management, marketing and product development. Estelle has previously managed mortgage investments of ~$425M, including administration and defaults, cash requirements and a team of brokers. She has also spearheaded and managed a business focused on monetizing private mortgages, consumer loans and insolvency prospects.
Ms. L’Heureux completed her Bachelor of Business Administration in Accounting at Douglas College and the Mastering Fintech course at Ivey School of Business. She is a CFA charter holder and has been volunteering with the CFA Society of Vancouver since 2013.
Adah Teotico
Ms. Teotico is an accomplished finance professional within the fintech space, with extensive experience in accounting, Canadian taxation, finance as well as corporate strategy. Ms. Teotico brings a necessary background in consumer lending technology products within Canada and has a proven track record for building successful financial strategies and infrastructures.
Ms. Teotico has a Bachelor of Business Administration & Accounting from Kwantlen Polytechnic University and is a Chartered Professional Accountant.
Jason Wang
Mr. Wang brings significant industry experience in senior risk, analytics and compliance roles in the financial industry. He first established his management career as Vice President at Citigroup Inc. Since then, he has worked for major financial companies CIBC, American Express, and TransUnion in nearly two decades. Currently Jason serves as the Chief Risk Officer & Privacy Officer at Synergy Credit Union, the fourth largest credit union in Saskatchewan.
Jason received his Bachelor of Science, Physics from Beijing University and his Master of Business Administration from New York University. In addition, Jason is a CFA charter holder.
Rose Zanic, CPA, CA
Ms. Zanic has over 25 years of capital markets and corporate finance expertise. She is a self-employed corporate finance professional with significant experience with going-public transactions, financings, M&A transactions and general public company administration. She previously spent 19 years with Wolverton Securities Ltd. where she was Senior Vice-President, Corporate Finance in charge of the firm’s corporate finance and syndication department.
Ms. Zanic holds a CPA (CA) designation and received a Bachelor of Commerce Degree (Finance) from the University of British Columbia. She currently is a director of several Canadian publicly listed companies. As part of Ms. Zanic’s compensation, the Company has granted her 100,000 RSU’s of which 50,000 RSU’s vest immediately and 25,000 RSU’s vest every three months thereafter. The Company has also granted Ms. Zanic 250,000 incentive stock options at a price of $0.165 per share for a period of five years. The options will vest as to 25% upon the date of the grant and 25% annually thereafter.
Natasha Tsai, CPA, CA
Natasha is currently a Managing Director with Malaspina Consultants Inc. She specializes in the areas of financial operations and business performance. Natasha is a graduate of Sauder School of Business at UBC and received her Chartered Accountant designation in 2007. She was a former co-chair of the Young CA Forum at the Institute of Chartered Accountants of BC.
Lawrence Rhee, CPA, CFA, MBA
Lawrence Rhee, founder of RHEETHINK Inc., has been actively involved in the Canadian technology industry for over 20 years. Lawrence has advised many technology companies in Canada as he has held senior positions in both investment banking and equity research at several firms including Haywood Securities, GMP Securities and Genuity Capital. Lawrence’s experience providing in-depth research analysis related to the technology sector has consistently generated investment ideas that are well-received by investors. He received a Top 3 ranking in each of the annual 2006, 2007 and 2009 StarMine surveys in the Canadian Software and IT Sector. Lawrence graduated with an MBA from the University of Toronto and also earned his CFA and CPA professional designations.
Michael Feola, Independent Director
Michael Feola, founder of MMF Capital Inc., a family office, and Merchant Bank and Hyde Park Equities Inc., an event driven liquidity fund. Michael is also the owner and CEO of Allexor Global, a flexible packaging business, and founder of Feolan Capital, which has interests in financial services, real estate, hospitality and public securities. Michael is a director of Integral Capital Partners and chairman and director of Must Capital Inc., and director of Adya Inc., both are TSX-V listed companies.
Frederik Westra
Frederik Westra is a financial services and capital markets executive with 17 years of experience in the industry managing and developing teams and processes providing services in equities, fixed income, foreign exchange, financing, and mergers and acquisitions to institutional investors and corporate issuers. Most recently, he was part of the executive leadership teams at one of Canadas largest securities dealers where he oversaw research, investment banking, ECM/DCM/Syndication, as well as Institutional sales and trading across all products. Prior to this he was Head of Equity Research and a top ranked financial services research analyst winning awards from Reuters Starmine as one of Canada’s Top Stock Pickers in 2011 (1st in Financials, 7th across all sectors) and 2012 (1st in financials and 5th across all sectors), while also winning a Top Earnings Estimator award in 2014 (1st in Financials and 6th across all sectors). Earlier in his career, he also worked in equity research roles at a Canadian Bank and one of Canada’s largest independent dealers. Fred holds a Bachelor of Commerce from the John Molson School of Business in Finance and Economics where he graduated with Honours.
