What We Do
At Dez Capital, we privately finance loans in the Real Estate Sector. We work with borrowers to expedite their loan requirements while co-investing with our investors to maximize return with an acceptable and transparent level of risk.
Who We Are
Engineers by training, entrepreneurs at heart, we understand cash flow and investment challenges and strive to continuously improve upon current best practice for borrower and lender alike.
Our Past Life
Our collective experience spans the sectors of technology, manufacturing, the service industry, construction and real estate.
What Makes Us Different
We launched Dez Capital, a family-run enterprise, as a response to the limited financing options available in Canada. Simply put, most traditional lenders work much too slowly with far more red tape and restrictions than we do. We know first hand because we’ve been there. Our experience draws us to the most efficient solution – a solution that meets your needs and ours. As a boutique firm, we provide a fast, no nonsense turnaround.
Whether you are trying to finance a building project or grow a company, we strive to solve your temporary cash flow problems simply and efficiently.
We partner with our investors in a prudent and diligent manner, maximizing returns while striving to preserve capital.
Our Track Record
Through our professionalism and strong work ethic, we have built a solid and professional reputation. From 2013 through 2016, we funded more than $120 million in mortgage loans.
Capital preservation matters to us. We aim for every deal to end well for both borrower and lender. We do not take unnecessary risks for either borrower or investor and we approach every deal with this mindset.
Fariborz (FB) holds a degree in Engineering Physics and a Masters in Electrical Engineering from Queen’s University (Kingston, Canada). FB started his career with Ricoh in Japan and Northern Telecom in Ottawa, designing read/write heads for compact disks and video/voice transmission technology, respectively. In 1999, Fariborz co-founded and became CEO of Cloakware, a high tech start-up in compiler technology that attracted Intel Capital and TD Capital as investors. Cloakware was sold to Irdeto in 2006. From 2006 to 2011, Fariborz was the COO of a large B.O.T (Build, Operate and Transfer) civil construction project employing 4000 people at the peak of its operation. Within this project, he oversaw the design, the procurement and financing of the heavy machinery and the day-to-day operation of the project. In 2013, FB and his two brothers founded Dez Capital. Fariborz is the President and Managing Director. Fariborz is passionate about clean technology and is actively investing and working in this sector.
Foroud Fallah holds a degree in Electrical Engineering from the University of Western Ontario. He has led the implementation and commissioning of projects within both manufacturing and construction. His experience has focused on optimizing engineering and production processes, including the development of automation systems, wherein he was responsible for the programming logic controllers (PLCs), smart sensors and monitoring systems. He has also designed and implemented the automation of front-end and back-end systems, including network systems, in service and manufacturing sectors. Foroud has a very strong background in computing and analysis, technical assessments and implementations; skills which are particularly useful when assessing various technologies. His responsibilities at Dez Capital also incorporate operations and decision making.
Faramarz Fallah, P. Eng., obtained his degree in Electrical Engineering from the University of Toronto. Upon graduating, Faramarz worked for Andersen Consulting in the streamlining of business processes. Faramarz joined Cloakware in 2000 to help lead the company’s business development team. He was instrumental in productizing a technology prototype to market and promoting the product worldwide. His team took the raw technology (a compiler that obfuscated code) and created a commercially viable product; one that could use ordinary code as an input and could interface with API’s to create new synergies. Developing a product interface, training and support systems were all integral in the commercialization process. Faramarz has also co-managed a business turnaround in the service sector bringing a medium-sized company from insolvency to strong revenues and sustainability within two years. He implemented a strong backbone of information tracking systems which served to enhance decision-making, improve customer service, employee morale and profitability. At Dez Capital, Faramarz is responsible for operations, finding and assessing new business opportunities, and managing customer relations and accounts.
ASSET BASED LENDING (ABL)
Asset-Based Lending (ABL) is not based on cash flow but rather, a percentage of the underlying appraised value of an asset, with an allowance for risk factors. ABL differs from conventional financing which may rely on income, debt ratios or cash flow. ABL impose fewer restrictive convenants; it relies solely upon the asset(s) pledged as collateral. Set up much like a line of credit, a borrower gets access to capital to bridge a dry spell or cash crunch. Few people realize that such loans incur only slightly higher interest rates and administrative costs than traditional bank loans, with far more flexibility.