Our build–learn–transfer model combines proven credit and targeting frameworks with hands-on implementation support, enabling institutions to launch within 5-6 weeks. Each program is structured to be capital-neutral within the first 12 months, consistently delivering meaningful net P&L expansion and measurable loan growth across member segments. Beyond financial performance, our programs create lasting value by equipping in-house teams to independently sustain and scale future runs. Most importantly, members and clients benefit directly—saving an average of $1,500 annually in interest.

Wade&’s Mortgage Maturity Prediction Model leverages advanced third party data, predictive analytics to identify members most likely to have a mortgage mortgage is held elsewhere maturing monthly within the next 12, 24 and 48 months — . This insight empowers Financial Institutions to engage proactively, reaching high-potential members before renewal with targeted, personalized offers. The result is not just a marketing list, but a qualified lending pipeline — giving your teams a clear path to capture external mortgages, deepen relationships, and grow share of wallet with precision and speed.

Our Auto Loan Program gives Mid-tier Financial Institutions a strategic foothold in Canada’s $200B auto finance market. Through curated dealer relationships, specialty credit expertise, and IFT’s white-label lending infrastructure, institutions access a high-yield, capital-efficient secured asset class with reliable long-term performance. This diversification strengthens margins and positions credit unions for durable growth in a market traditionally shaped by larger banks and captive lenders