From Mehdi Moghareh, Chief Executive Officer

When I began my career in the automotive industry more than two decades ago, the dealership model had already remained largely unchanged for generations. Vehicles were sold through physical retail locations, financing options were often limited to a small number of lenders, and the purchasing process could take hours or even days to complete.

Despite tremendous innovation in nearly every other sector of the economy, the automotive purchasing experience has remained fragmented and inefficient for both consumers and industry participants.

Over the past several years, however, we have begun to see a meaningful shift. Consumers increasingly expect the same digital convenience when purchasing a vehicle that they experience in other areas of their lives. They expect transparent pricing, simplified financing options, and the ability to complete transactions quickly and efficiently online.

This shift is what led us to create OCAL Financial.

From the beginning, our goal has been to build a modern platform capable of connecting consumers, lenders, and vehicle suppliers through a streamlined digital experience. Rather than operating as a traditional dealership, OCAL Financial was designed as a technology-enabled brokerage platform that simplifies the financing process while expanding access to vehicles and lending options.

This approach allows us to operate without the capital intensity of traditional dealerships while focusing on what we believe is the most important part of the transaction: connecting qualified buyers with the financing solutions they need.

We believe the automotive market is entering a period of significant transformation. Digital platforms are beginning to reshape how vehicles are bought and financed, and companies that can combine technology with deep industry expertise are uniquely positioned to benefit from this transition.

Our leadership team brings together decades of experience across automotive retail, vehicle auctions, and capital markets. This combination of industry knowledge and financial expertise allows us to approach the automotive marketplace from multiple perspectives and identify opportunities that traditional models often overlook.

Today, OCAL Financial is focused on expanding its technology platform, strengthening relationships with lender partners, and growing our presence across Canada and into the United States.

While we are still in the early stages of our journey, we believe the foundation we are building has the potential to support a scalable automotive commerce platform capable of serving customers across North America.

Our commitment is to grow this business responsibly, to build long-term relationships with our partners and customers, and to create lasting value for our shareholders.

Thank you for taking the time to learn more about OCAL Financial and for your interest in our vision.

Mehdi Moghareh

Chief Executive Officer
OCAL Financial