Federal Canadian MSB with Banking and Alberta Payday Lending Operations

This is a unique opportunity to acquire a revenue-generating Canadian MSB, federally incorporated and established in 2023. The business boasts an operational Tier 1 Canadian banking relationship, with bank approval for MSB activities since November 2024. It combines remittance, payment services, foreign exchange, and government-licensed direct payday lending in Alberta. The operational infrastructure is robust, featuring Instant Bank Verification (IBV), a Loan Management System (LMS), and payment processor integrations. The Tier 1 Canadian bank account has been operational for over 12 months, supporting both MSB and lending activities without any AML flags. The integrated payment processor enhances the business's capabilities, supporting domestic Canadian remittance and lending, with cross-border payment capabilities through PSP integration. A comprehensive compliance framework is in place, including a Compliance Officer and a compliance manual covering AML requirements under the PCMLTFA and privacy requirements under PIPEDA. The business is supported by banking, PSP, and crypto exchange accounts, tangible assets, and operational integrations. A dedicated team is available, and the existing client base can be included as an optional part of the transaction. Financially, the business is strong, with positive EBITDA and clean financial records. T2 corporate tax returns have been filed with the CRA, with no outstanding tax issues, unpaid debts, or liabilities. Revenue details, EBITDA breakdown, and P&L statements are available under NDA. The proposed share deal includes the company, its MSB registration, lending authorization, banking relationships, and operational integrations, with an estimated transfer period of 4–8 weeks, subject to bank approval and regulatory notifications.