OCAL Financial Inc. · TSXV:OCAL
OCAL Financial — Investor Presentation (September 2026)
17 slides from OCAL Financial's investor presentation, September 2026
Slide 1: A digital auto-finance platform built to scale without standing inventory
TSXV: OCAL A digital auto-finance platform built to scale without standing inventory INVESTOR PRESENTATION September 2026 Canada’s AI-native virtual car dealership OC ALFIN A N C I A L. C A
Slide 2: Forward-Looking Statements
LEGAL DISCLAIMER Forward-Looking Statements This presentation contains forward-looking statements, intended projections, growth assumptions, and strategic expectations related to OCAL Financial Inc. ("OCAL" or the "Company"). These statements are not guarantees of future performance and involve know
Slide 3: OCAL at a Glance
OCAL AT A GLANCE OCAL combines proven dealership economics with a software-driven operating model $6.88M 1,250+ $5.5K-$8K Zero FY25 revenue Funded deals to date Gross profit per funded deal Standing inventory and consumer loans PROOF Operating in British Columbia and Alberta with 17.64% repeat and r
Slide 4: A virtual dealership built around financing
WHO WE ARE AND WHAT WE DO A virtual dealership built around financing OCAL Financial connects borrowers, lenders, and vehicle supply in one remote transaction. WHO WE SERVE Canadian vehicle buyers across prime, near-prime, and non-prime credit profiles. WHAT WE DO Secure the financing first, then so
Slide 5: A large market still runs through an offline, fragmented process
MARKET OPPORTUNITY A large market still runs through an offline, fragmented process Canadian used-car sales are expected to reach $24.54B by 2030 24.54 6.74% >70% Market CAGR Canadians prefer digital or fully online financing 17.71 <20% 38% Dealerships offering fully Ontario share of national remote
Slide 6: One transaction flow from application to delivery
OUR SOLUTION One transaction flow from application to delivery 01 Apply online Minutes, no showroom visit Revenue per funded deal 02 Match to a lender AI-assisted packaging with human review $5.5K-$8K Vehicle sales 03 Source the vehicle OPENLANE and partner inventory after approval Lender reserves a
Slide 7: OPENLANE expands vehicle choice without adding inventory
WHOLESALE SOURCING ADVANTAGE OPENLANE expands vehicle choice without adding inventory OCAL primarily sources vehicles through OPENLANE after the customer has financing approval. 01 02 03 04 OPENLANE Customer Wholesale Purchase Remote delivery Canada's largest digital approved search matched wholesal
Slide 8: AI-Native Workflow Engine for Trusted Automotive Transactions
TECHNOLOGY STACK AI-Native Workflow Engine for Trusted Automotive Transactions OCAL's proprietary platform orchestrates every decision, signature, and transaction with complete auditability and traceability Owned demand AI qualification Lender routing Funded delivery CAE + EasyPear Credit intelligen
Slide 9: Owning demand generation changes the unit economics
CAE AND EASYPEAR ACQUISITION Owning demand generation changes the unit economics Blended CAC per funded deal $1,027 $250 ~75% lower Current Expected after integration What OCAL acquired CAE's operating business, EasyPear's white-label lead-generation engine and CRM, a working lead pipeline, and the
Slide 10: Proof points across conversion, margin, and speed
OPERATING TRACTION Proof points across conversion, margin, and speed 1,250+ 98% 6 days funded deals to date protection attach rate average lead to signed 3-4 days 17.64% 14% median signed to funded repeat and referral share higher approval-to-fund rate from credit intelligence TSXV: OCAL 07
Slide 11: A funded deal can carry attractive gross profit before overhead
UNIT ECONOMICS A funded deal can carry attractive gross profit before overhead $5.5K-$8K $250 98% Average gross profit per funded deal Expected blended CAC after CAE integration Warranty and protection attach rate Operating leverage Key sensitivity Automation is intended to increase The investment c
Slide 12: Provincial licensing expands the addressable market
EXPANSION ROADMAP Provincial licensing expands the addressable market NOW SEP 2026 DEC 2026-JAN 2027 2027-2028 2028-2029 Quebec and BC and Alberta Manitoba Ontario Canada United States Operating base Licence underway Planned launch Replicate compliance Planned entry through and lender routing Washin
Slide 13: Revenue growth accelerates in management's expansion plan
FINANCIAL TRAJECTORY Revenue growth accelerates in management's expansion plan Historical Summary Revenue Trajectory (CAD$ millions) 34.6 OCAL YoY Summary FY23* FY241 FY251 Total revenue $5,313,921 $5,838,498 $6,879,835 23 Cost of goods $(4,916,796) $(5,240,482) $(6,098,451) Gross margin $397,125 $5
Slide 14: Industry experts and strong leadership
MANAGEMENT TEAM Industry experts and strong leadership Matthew Friesen Mehdi Moghareh CO-FOUNDER, CHAIRMAN & DIRECTOR CO-FOUNDER & CHIEF EXECUTIVE OFFICER Matthew is a serial entrepreneur and investor with a proven track record of building and scaling Mehdi Mehdi brings 25+ years of automotive retai
Slide 15: Near-term catalysts focus on integration and geographic execution
2026-2027 MILESTONES Near-term catalysts focus on integration and geographic execution JUL 2026 TSXV listing Qualifying Transaction completed and trading began under OCAL. SEP 2026 CAE closes EasyPear demand engine and CTO leadership join the platform. OCT 2026 Automation live SalesCloser AI impleme
Slide 16: A compact share structure supports a catalyst-driven story
CAPITAL STRUCTURE A compact share structure supports a catalyst-driven story Capital structure* Investment Highlights: Common shares outstanding 36.7M Asset-light, capital-efficient model — no inventory risk, no consumer-credit exposure, minimal capex to scale Founder ownership 54.33% AI-driven oper
Slide 17: Thank you!
TSXV: OCAL Thank you! Contact information: add an address OC ALFIN A N C I A L. C A
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