THE WATERFALL OPPORTUNITY NETWORK

A different marketplace. The right partners.

Lead providers bring declined applications. Opportunity partners bring relevant products, services and support.

A different opportunity. Three perspectives.

LEAD PROVIDERS

Recover overlooked commercial value.

Recover commercial value from applications your lending network cannot serve.

OPPORTUNITY PARTNERS

Reach relevant customers.

Reach consumers who match your products, eligibility criteria and acquisition goals.

CONSUMERS

Find useful alternatives.

Discover alternatives that may help improve your financial situation without another cycle of payday-loan applications.

Eight categories. Different consumer needs.

Credit rebuilding

An optional credit-building service, only when the recurring cost is affordable.

Illustrative $9/month. Not instant cash, credit repair or a guaranteed credit-score improvement.

Secured credit cards

A deposit-backed credit product for a future credit-building goal.

Illustrative $200 refundable security deposit required. Does not solve today’s cash shortage.

Credit education

Free guidance on credit, debt and financial choices.

Free sample guidance. Advice and outcomes depend on the actual organisation; no credit guarantee.

Financial wellness

An accessible budgeting and savings programme.

Free sample programme; no savings or debt-reduction outcome is guaranteed.

Financial products

Low-barrier banking or prepaid access, not a loan.

No-credit product in this sample. Real account eligibility and fees need provider verification.

Income opportunities

Optional paid market research with no purchase to participate.

Internet access required in this sample. Screening applies; work and income are not guaranteed.

Essential savings

A comparison or support route for essential household bills.

Free sample comparison; any actual switch, price or savings must be confirmed before agreement.

Community assistance

Benefits screening, nonprofit support and local relief resources.

Free, noncommercial support. Benefits depend on programme eligibility; no commercial fee assumed.

DEMO PARTNER ENQUIRY

Tell us where you fit.

This introduction is saved locally only; no email or real account is created.

Canadian reference resources — not Waterfall partners

Research references, not integrations.

Interactive organisations are fictional sample partners. Real resources below are background references only; no commercial relationship, endorsement, data connection or access is claimed. Costs, availability and eligibility must be rechecked with the provider.

Credit rebuilding

KOHO — Credit Building

Dedicated interest-free credit-building tradeline with payments reported to Equifax; not immediate cash.

Canadian account residency/age/identity requirements apply; feature-specific eligibility must be confirmed.Educational page states $10/month; plan discounts may apply. Verify final current add-on price.

Recurring fees may be unsuitable when unaffordable. No credit-score outcome is guaranteed; missed payments can hurt credit.

Source: Costs, reporting and outcome limitations Source: Account eligibility and separate credit-building add-on

Secured credit cards

Neo Financial — secured Neo Mastercard

Deposit-backed credit card; security funds determine a limit and statement payments remain separate.

Canadian resident, applicable age of majority and eligible province; prior declined-credit restrictions require provider confirmation.Minimum $50 security funds; Build $9.99/month or Grow $14.99/month in reviewed support sources. Other terms/APR must be verified.

Not immediate cash. Ties up funds and has recurring membership cost; pre-approval is not final approval. Do not infer eligibility from a loan decline.

Source: Security funds and separate repayments Source: Membership costs Source: Provider eligibility conditions; verify directly

Credit education

Credit Counselling Society

Free confidential financial review, credit questions, budgeting guidance and explanation of options.

Appointment access by phone, virtual or local office; confirm availability for location. No minimum age stated in reviewed page.Initial counselling free and no-obligation. Optional debt-management programme is a separate service with administration fees.

No immediate cash or guaranteed credit repair. Counselling and a paid debt-management plan are different services.

Source: Location and contact access Source: Separate programme fees and credit implications

Financial wellness

FCAC — Budget Planner

Public online budget-planning resource with charts, suggestions and save/continue capability.

Designed for Canadians; no individual programme eligibility test or minimum age stated. Online access needed.Described as free in the official launch announcement.

Not financial advice, a cash benefit or a savings guarantee. Budgeting alone does not resolve an urgent unmet essential expense.

Source: Free public budgeting tool Source: Privacy and advice limitations

Financial products

FCAC — low-cost and no-cost bank accounts

Guidance on low/no-cost deposit and transaction accounts; not a prepaid card, credit product or loan.

Identity/account-opening conditions apply. No-cost eligibility depends on qualifying group and participating institution.Low-cost accounts at $4/month or less; no-cost qualifying accounts and no minimum balance in the commitment. Extra services may cost more.

Useful banking access, not $300 of immediate cash. Confirm institution, documentation, incidental fees and availability.

Source: Account commitment, costs and eligibility groups Source: Opening requirements and conditions

Income opportunities

Prolific — research-study participation

Occasional paid online research participation, not job placement or guaranteed work.

Over 18, supported-country residence including Canada, verified account and onboarding. Waitlist access may apply.Free to join; PayPal account and minimum cash-out balance required. Approval/payment delays can occur.

Uncertain supplemental earnings only, not a solution to urgent cash shortage. No availability, income or instant-payment promise.

Source: Country and age eligibility Source: Waitlist and verification Source: Cash-out conditions and timing

Essential savings

Ontario Electricity Support Program (OESP)

Income/household-dependent monthly credit on eligible Ontario electricity bills; not cash or a loan.

Ontario electricity account holder living at the service address. Household size/income and programme verification determine eligibility.OEB states intake-agency assistance is free. Application and income-verification consent required.

Ontario-specific and not immediate relief or guaranteed approval. Do not collect SINs or actual income documents in this demo.

Source: Eligibility, credits, free assistance and processing timing Source: Account holder and household conditions

Community assistance

211 Canada

Non-emergency information and referrals to local government/community social services.

Location-specific resources; referred programme eligibility is determined independently. No general age limit stated.Free and confidential; national site says a caller can request information without giving a name or personal details.

No promise of immediate cash, benefit eligibility or acceptance. It is information/referral support, not a loan or commercial integration.

Source: Service, access, confidentiality and location selection Source: Independent description of non-emergency 211 support