PAYDAY LOAN & CASH ADVANCE SERVICES
Taking You and Your Business
to the Next Level
Modernize Your Lending Operations
Helping established lenders implement the latest fintech tools and automation to stay competitive and reduce manual overhead.
Integrated Banking & Payment Systems
Seamless setup of bank accounts, e-Transfer gateways, and payment rails to support smooth, compliant loan disbursement and repayment.
Smarter Loan Underwriting Strategies
Refine your credit decisioning process with proven methods to lower defaults, improve approvals, and increase portfolio performance.
Licensing & Regulatory Navigation
End-to-end support for licensing applications and staying fully compliant with payday lending regulations in your province.
Automated Lending Management System (LMS)
Cloud-based platform that automates loan approvals, customer onboarding, repayment tracking, and collections — no coding required.
Automated Receivables Management (ARM)
Streamline your collections with a tech-enabled ARM process that improves recovery while reducing labor costs.
Operate as an Absent Owner
We build systems and staff so you can own a payday loan business without working in it — perfect for investors or semi-retired entrepreneurs.
Lead Generation That Converts
Custom-built Google Ads, Facebook campaigns, and SEO strategies that attract high-quality leads in your region — fully managed.
Turn-Key Payday Loan Business Setup
From licensing to launch — a complete, ready-to-operate payday loan business built for you. Just add capital.
Staff Training & Post-Launch Coaching
Hands-on training for you and your team, plus 90 days of personalized support to ensure a smooth, confident launch.
Online, In-Store, or Hybrid Models
Whether you're building a virtual lending brand or want foot traffic through a retail location, we help you design the right setup.
Why Choose Watson Capital & Consulting?
✅ Canada’s only dedicated payday loan industry consultant
✅ Built and launched multiple profitable loan businesses across Canada
✅ Owner of Digital Pipeline – Canada's most advanced lending software
✅ Experience with Lending, Collections, and Analytics
✅ Proven Google & Facebook ad campaigns that bring real borrowers
✅ Custom-tailored: Turn-key setup or advisory-only — your choice
✅ Fast results: clients often go from zero to revenue in under 60 days
✅ Trusted by new entrepreneurs and experienced lenders alike
PRESTON WATSON
Founder & Principal Consultant – Watson Capital & Consulting
With 20 years of experience in the lending, credit, and collections industry, Preston Watson is a recognized leader in the Canadian alternative finance space. As the founder of Watson Capital & Consulting, Preston brings a deep well of practical knowledge, strategic insight, and hands-on experience to lenders across Canada.
Preston began his journey in the financial services sector at a time when payday lending and alternative credit were still emerging industries. Over two decades, he has worked across every aspect of the business—from front-line operations and underwriting to software development, compliance, marketing, and international expansion.
His expertise has been shaped not only by his work in Canada but also by his on-the-ground experience in India, where he helped build cross-border operational teams and developed cost-effective, scalable recovery models for Canadian collection agencies. This global perspective allows him to offer clients unique insights into how to scale efficiently while maintaining compliance and profitability.
Today, through Watson Capital & Consulting, Preston specializes in:
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Turn-key payday loan business setups
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Licensing and compliance support across Canadian provinces
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Credit and collections optimization
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Automated lending solutions
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Digital marketing strategies tailored for the lending industry
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International expansion consulting for lenders building offshore teams
He also co-founded and leads Digital Pipeline, a fintech software platform offering automated loan management solutions that streamline loan adjudication, funding, and collections—empowering lenders to scale their operations while dramatically reducing labour costs.
Whether you're a start-up lender looking to get licensed in Ontario, or an established operator wanting to expand across provinces or borders, Preston’s end-to-end approach and real-world experience offer unmatched value.
🚀 Why January 2025 Created a Massive Opportunity for Payday Lenders in Canada
📉 Criminal Interest Rate Reduced
On January 1, 2025, Canada lowered the criminal interest rate from 60% to 35% APR, forcing many outdated lenders out of the market.
🏦 Market Cap Surged
As weaker players exited, the market capitalization of compliant payday lenders grew, with investor confidence hitting new highs.
📲 Tech-Driven Lenders Thrived
Modern, automated lenders using digital platforms and streamlined underwriting quickly captured increased demand from underserved borrowers.
📈 Low Competition, High Demand
With less competition and more Canadians still needing short-term credit, the opportunity to launch or scale a lending business has never been better.
💼 Perfect for New & Experienced Operators
Whether you're new to the industry or already lending, this is the moment to expand, modernize, and profit from a restructured and growing market.
CONTACT
📞 Let’s Build Your Lending Business
Ready to launch, grow, or automate your payday loan company?
Whether you’re just getting started or scaling up, we’ll help you move faster and smarter. Reach out and let’s talk.
515 North Service Road
Hamilton, ON Canada, L8E 5X8
📧 Email Us: preston@watsoncap.ca
💬 WhatsApp Chat Now: (905) 906-5644
➡️ Live Chat Now — Instant Help Available