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One of Two Companies in Canada to Receive the Coveted CAEF

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Proud Members of the International Factoring Association

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ABOUT US

In 2012, Yesterpay Holding Incorporated (Yesterpay) was established to help grow our sister company, CapitalNow. Yesterpay was conceived and designed specifically to provide CapitalNow with a scalable, stable, diverse and cost efficient source of capital.  Yesterpay allows individual investors to participate in the CapitalNow business.  In 2016, Yesterpay Holdings Incorporated became CapitalNow’s primary source of capital.

CapitalNow Incorporated (CapitalNow) was founded in 2008 with the primary goal of helping small and mid sized organizations in Western Canada find capital to grow their businesses.  

During their respective careers, the founders of CapitalNow, Gerry and Natalie Wawzonek started, owned and operated several businesses.  From these entrepreneurial experiences, they quickly discovered that small business owners and entrepreneurs have limited access to capital.  Businesses and their owners are regarded as high risk by traditional lenders and as a result, require brokers to obtain loans and mortgages in the secondary market.

Natalie and Gerry learned a great deal of what worked (and what did not) as entrepreneurs prior to founding CapitalNow. Through those experiences, they developed CapitalNow’s business model with the express goal of NOT doing it like everyone else. They saw a lot of things they did not like in the financial industry.  This led them to the conclusion that being different was not a luxury, but a necessity.

The Wawzoneks questioned every aspect of the business they were creating and how it should be executed. They decided that the approach was to be customer focused, principles based and firmly grounded in facts and common sense.

Since its inception, CapitalNow has worked with hundreds of clients and their customers to find capital to grow their businesses. CapitalNow has weathered the 2008 and 2014 downturns in the economy, using those challenging times to refine the logistics associated with their values based customer service.

» Read our Offering Memorandum
» Browse our Educational Resources
» Please see our Frequently Asked Questions

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Leadership Team

Gerry Wawzonek, CAEF - President and Director

Mr. Wawzonek graduated from the University of Guelph with a Bachelor of Arts Degree. He was a registered mortgage broker agent for Axcess Capital Partners, HSBC, and CIBC over a 15 year period. In 2007, Mr. Wawzonek founded Capital Now Inc. (formerly PGV Inc.) and has acted in all aspects of the factoring business, including underwriting, funding, administration, collections and investor relations. Mr. Wawzonek’s position involved the establishment and revision of all corporate documents, development of best practices, implementation of industry specific software and automating the banking process. Since 2015, Mr. Wawzonek has been certified as a Factoring Account Executive by the International Factoring Association.

Natalie Wawzonek, CAEF - Secretary, Treasurer and Director

Ms. Wawzonek is co-founder of Capital Now Inc. and has fifteen years of Asset Based Lending experience. Ms. Wawzonek has been involved in all areas of the factoring business including the day-to-day operations of the business such as administrative duties, funding, client retention, investor relations and financial duties. She has been instrumental in the development of best practices, deal flow, and customer service. Ms. Wawzonek was previously a sales executive and has won multiple awards for excellence in sales. She is certified as a Factoring Account Executive by the International Factoring Association.