DOCUMENTS

Dated, versioned, current.

The October 2026 set: the presentation, the one-page pitch, the four-page brief, the long-form briefing and the investor questions and answers. Each is refreshed when a reported figure changes, and the superseded version is withdrawn.

Fact sheet (one page)OCAL on SEDAR+

In sixty seconds

OCAL Financial (TSXV: OCAL, FSE: JC3) is a technology-enabled automotive financing and purchasing platform. It solves the customer's problem first: approval by a lender, then the one vehicle that approval supports, bought at wholesale through OPENLANE, OCAL's auction and sourcing channel, and delivered to the driveway. Zero standing inventory, no consumer loans held, the licensed motor dealer of record on every transaction. Audited fiscal 2025 revenue of $6.48 million, up 18.8 percent, with gross profit up 32.7 percent and operating expenses down 9.8 percent; more than 1,500 funded vehicle transactions since 2021; a largely fixed cost base that does not grow with the count; licensed in British Columbia and Alberta, with the Manitoba dealer permit application under way and Ontario registration under way, targeted for 2027, subject to registration and capital. The founders hold about 54 percent and have not sold a share.

A funded vehicle transaction is a retail vehicle sale arranged through OCAL's platform for which the customer's financing contract was funded by a lender and the vehicle was delivered to the customer. The cumulative count is drawn from the Company's transaction records and lender reporting since its first funded transaction in 2021 and is not a measure presented in its financial statements.

The October 2026 documents

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Investor presentation, October 2026

The current corporate presentation on the audited fiscal 2025 and fiscal 2024 statements: the problem, the platform, the solution, the thesis, the roadmap and the people. Dated and versioned on the cover.

Elevator pitch, October 2026

The company in sixty seconds: the four customer problems, approval first and then the vehicle, the audited proof, and where it goes next. Print it, forward it.

Investor brief, October 2026

The full case with sources: the problem, the platform, what the customer gets, traction and operating leverage, why now, the roadmap and the people.

Long form investor briefing, October 2026

For investors who want everything: market, model, lenders, technology, the audited numbers, roadmap, people, capital structure, risks and the questions investors ask, answered.

Investor questions and answers

The questions investors ask on calls, answered from the public record: the business model, growth, the shares, governance and disclosure.

Every document is dated on its cover and uses the audited fiscal 2025 and fiscal 2024 figures. The filed record behind them, including the Filing Statement, the audited statements and every news release, is on SEDAR+ under OCAL Financial Inc. On SEDAR+, search the issuer name OCAL Financial Inc.

Superseded documents

When a document is replaced, the old version is withdrawn from this page so that search engines and AI tools find one set of figures. Historical presentations remain on SEDAR+ where they were filed.

Presentations contain forward-looking statements and management's estimates that are unaudited and are not guidance. Read each document's cautionary language and the risk factors in the Filing Statement on SEDAR+.