Practigo

The Market Opportunity

A Recession-Resistant Asset Class

Serving regulated professionals with stable, insurance-backed revenue streams. A massive, underserved financing gap exists.

Annual Financing Gap

$4.0 Billion

Dental

~16,000 Clinics

High urgency for digitalization. 78% plan to purchase major equipment (CBCT, Scanners) within 12 months.

Veterinary

~5,500 Facilities

Driven by the "humanization of pet care" and rapid industry consolidation requiring significant CAPEX.

Optometry

~4,000 Practices

High-volume retail models require consistent diagnostic equipment upgrades to remain competitive.

The Structural Inefficiency

The "Blue Ocean" Gap

The market is polarized. Incumbents are too slow due to legacy costs. Alt-lenders are too expensive due to poor data. Practigo occupies the profitable middle ground.

Traditional Banks

The Slow Incumbents

Time to Fund 5 – 8 Weeks
Origination Cost ~$8,000+
Typical APR 5% – 8%

The Sweet Spot

Time to Fund 24 Hours
Origination Cost ~$800
Typical APR 7.5% – 12%

Generic Fintechs

The Expensive Alternative

Time to Fund Instant - 24h
Origination Cost Low
Typical APR 18% – 35%

Our Proprietary Moat

The Digital Credit Engine

By integrating real-time banking data with sector-specific AI models, we eliminate manual friction and price risk with unprecedented accuracy.

Data Ingestion

Direct API connections to applicant bank accounts.

Identity & Fraud

Real-time KYC and document verification.

THE PRACTIGO ENGINE

AI-Driven Risk Modeling

Cash-Flow Analysis
Sector Benchmarking
Predictive Default Scoring

Automated Offer

Approved borrowers receive executable loan docs instantly.

Pre-Approval: 1 Minute

Leadership

Built by Industry Experts

Timothy Moulton

Founder

Tim Moulton has spent twenty years building commercial partnerships and revenue infrastructure for some of the largest brands in financial services, travel, and loyalty. At Aeroplan and Points International, he led the negotiation, launch, and growth of airline loyalty partnerships across six continents, driving billions in program transaction volume.

At RBC, Tim created the bank's ancillary revenue and merchant partnership strategy. At Brim Financial, he led business development for one of Canada's fastest-growing fintech card issuers, landing partnerships with brands like Apple and Hudson's Bay.

Most recently, Tim served as CEO and Country Head of Humm Group Canada, building the fintech lender from employee #1 to a regulated platform with $50M in credit facilities and 2,000+ merchant partners.

Seize the Opportunity

We are currently opening discussions for our Pre-Seed round.
Request the complete Strategic Business Plan and 5-Year Financial Proforma.

GET THE DECK

Prefer email? Contact the founder directly at [email protected]