Projects that make communities better places to live

Social Objective: to break the poverty cycle imposed by the interest rates of payday lenders.

    From a social perspective, payday lenders provide an in-demand service (short term loans), but do so at rates that perpetuate the spiral of economic hardship that their customers find themselves in.

  • Project: A direct-to-consumer, much lower interest rate service is being developed, which, when fully operational, is expected to capture 30% of the market in an area that’s challenged by the over-reliance on expensive credit.

Social Objective: to assist seniors and shut ins with easy shopping services.

    While some stores provide ‘private shopper’ and ‘curbside pickup’ services, these stores aren’t in every market.  The result is that seniors – living independently – still have to manage grocery shopping on their own.

  • Project: A personal shopping service for seniors has been piloted, and the process was shown to be effective.  We are currently enlisting grocers in multiple markets to partner with us to serve seniors in their areas.

Social Objective: to fill a highly visible vacant storefront on a high street.

    The high street of a major shopping area has had a highly visible vacancy for some time, which has affected resident’s use of the area (less traffic to the area).

  • Project: A niche/specialty grocery and hot food counter is being added to the space.  The store will employ 30 full and part time people, primarily from the neighbourhood.

Social Objective: to assist charities with a way to gain passive incremental revenue.

    2020 has been harsh for charities – with declines in government funding, individual donations, and competition for grants and service-RFP’s increasing.

  • Project: A cross-charity credit card, that rewards the user with state-of-the-industry cash back/points, while rewarding the charity with direct cash every time one of their users makes a purchase.

Social Objective: to assist homeowners in managing monthly cash flow while improving financial literacy.

    Research shows that the average Canadian household gets a ‘C-‘ on financial literacy.  The mistakes that this low level of literacy can create can be seen by comparing the income levels of any neighbourhood with the average debt levels of the area.  The results can be startling.

  • Project: A consolidation loan or line of credit, wherein the individual is able to reduce overall cost of borrowing, while receiving scored-engagement financial literacy information.  After the literacy course is completed, the individual will be eligible to receive a further discount on their outstanding loans.

Previous projects

Social Objective: to help Canadians who are suffering, while waiting for orthopaedic surgery procedures.

    Canadians in the southern ON and QC markets were dealing with an average 10-month delay from diagnostic and scheduling to surgery for major orthopaedic issues like hip and knee replacements.  Research showed the likelihood of further deterioration, pain, and worse outcomes the longer the delay to surgery persisted.

  • Project: a high quality, near-border (US based) hospital – with a largely Canadian-trained orthopaedic surgery staff – was contracted to perform surgeries on an as-ordered basis.  Canadians were able – through – their physicians – to arrange the necessary surgery on a personally-timely basis.

Social Objective: to help elderly people, living independently.

    Elderly people living on their own are at higher risk of loneliness – which can be a pre-cursor to issues ranging from dietary to mental health concerns. Working-age children often have difficulty supporting the needs of their parents, due to the necessity to manage their own families and maintain their own careers.

  • Project: a comprehensive care-of-home service was built and brought to market, under the sponsorship of a well known not for profit.  The service provided – at modest fees – housekeeping, lawn care, and care of the physical home. High-nutrition frozen meal service was added to the menu of services. Services were provided on a subscription basis, making it easy for caregivers (children) to afford, manage, and schedule services.

Social Objective: to help a not for profit build-out a trust.

    A well-known not for profit required the build-out of a fully-functioning, arm’s length trust, to receive revenue generated from for-profit enterprises.

  • Project: a 5 year plan was built, 4 business models launched, and 20 acquisitions assessed.