1. Investment Opportunity
Juris Capital Inc. - Company Overview
Serving primarily the legal community, Juris Capital Inc. is a financial services Company offering
a new twist on lending. Loans are designed for those who need it most - individuals going through
a divorce or other family law matter, and who may not otherwise be able to finance their legal
costs. Juris works closely with law firms to ensure that loans are adequately secured, keeping
investments safe. The term of a loan will generally be between 6-24 months with interest rates
expected to average 22% per annum. Juris is first to market and specifically target family law
lending in Western Canada and Ontario.
Juris Capital Inc. will also fund estate litigation and general real estate endeavors typical of most
Mortgage Investment Corporations (MICs).
Investment Highlights
• Annual Target Return to Investor – 10%
• Investment Structure- Mortgage Investment Corporation (“MIC”)
• Registered Plan eligible
• Concentration Risk – no single loan shall exceed more than 10% of the total assets of the
fund, thus reducing risk
• Leading Edge – first to aggressively market and specifically fund family law matters in
Western Canada and Ontario
• Opportunity to grow with an innovative start-up business in an expanding, untapped market
Transaction Summary
• Intended to raise up to $50M growth capital over 10 years
Contact
Katherine Kowalchuk, President & CEO
403-604-6611
katherine@juriscapital.ca
11206 20 Avenue SE, Calgary, AB T2G 1M8 * Ph. 403-453-1529 ext. 502* www.juriscapital.ca
2. Investment Opportunity
Background
Juris Capital Inc. (also referred to as “Juris” or “Company”) is a new company that specializes in
financial services primarily to people needing family law legal services, estate litigation and those
who require a loan related to real estate.
Juris operates in Calgary, Alberta, Canada and offers short-term funding for clients who fall into
three streams:
a) Family law clients who need to engage a lawyer but may not have access to funding;
b) Litigants who have an interest in an Estate; and
c) Individuals or businesses who are engaged in real estate (including development) where
short and/or long term loans may be required.
The Company was incorporated in December, 2014 as a Mortgage Investment Corporation and
intends to raise an aggregate of $50M over 10 years with the first tranche of $1.5M in year one.
Juris is operated, in part, by a legally trained professional currently practicing in the area of family
law, with over 13 years of real estate (commercial and residential), banking and finance law, family
law, wills/estate law, as well as corporate and commercial law experience.
The unique feature of Juris is that family law financing is its key business component. Juris is a
leading edge Company that intends to aggressively market and target a virtually untapped market
in Canada.
The initial focus for lending will be in Alberta, with expansion across Western Canada and into
Ontario within the first three years of operating.
Mortgage Investment Corporation
Juris is a Mortgage Investment Corporation (“MIC”), which is a creation of the Canada Income
Tax Act. A MIC is a “flow through” investment vehicle and must distribute 100% of its net profit
to its investors every year. It is not designed to accumulate profit. Dividends paid to MIC investors
are treated as interest income for tax purposes. Investors appreciate that a MIC investment is
uniquely Canadian and secured by real property located only in Canada. These
are simple important facts that make the MIC such a comfortable, easy-to-understand investment
compared to the many of complex financial products being offered daily to the public. Simplicity
is one of the MIC’s most popular attributes.
All of Juris’ loans will meet the requirements of the Canada Income Tax Act..
By structuring itself as a MIC, investment in Juris will be eligible to be held in registered plans
(i.e. RRSP, RESP etc.).
21206 20 Avenue SE, Calgary, AB T2G 1M8 * Ph. 403-453-1529 ext. 502* www.juriscapital.ca
3. Investment Opportunity
The initial offering will be to raise $1.5 Million by the issuance of non-voting preferred shares in
Juris, with an expected annualized targeted return to investors of 10%.
Location
The Company’s offices are located in a warehouse facility (turned into offices) just east of
Calgary's downtown, in an area known as Inglewood. The office currently shares space with Juris’
main principal’s other businesses; Law Boutique and Divorce Ink.
Products and Services
Juris’ portfolio will consist of loans for family law and estate legal matters and real estate. The
Company reviews each potential client carefully and develops a solution that makes sense for the
borrower. A typical product will be financing as follows:
a) For Family law clients and estate litigation clients, short-term loans in the amount of
$10,000 to $100,000 with interest rates based on due diligence (expected to average 22%
per annum, calculated monthly). Interest accrues from the date the loan is advanced but is
payable at the end of the term of the loan. This will assist Juris with cash flow and provide
a faster return to investors. Where appropriate, in addition to the solicitor’s opinion and
undertaking to pay settlement funds to Juris, Juris will also secure its interest with, inter
alia, mortgages, general security agreements and guarantees to protect the loans and other
security as may be available.
b) For Real Estate Clients, short-term loans in the amount of $100,000.00 to $1 million with
interest rates based on due diligence (expected to average in the range of 8-14% per annum,
calculated monthly). Mortgages, general security agreements, guarantees and the like will
be obtained to protect the loans.
With respect to its family law lending product, Juris will only be dealing with clients who have
engaged a law firm. Juris will be conducting thorough due diligence prior to agreeing to fund any
legal need. However, if an individual has bad credit or no collateral assets, that does not necessarily
mean he or she will not qualify for a loan. Juris is designed exactly for these sorts of individuals
who cannot otherwise obtain conventional or other financing. Further, Juris can also assist those
individuals who have perfect credit and tangible assets when they need a loan to cover legal
services.
Market Segmentation and Target Market
Juris is incorporated in Alberta with headquarters in Calgary. While the company targets Alberta
at the present time, the goal is to offer financial assistance to individuals all across Western Canada
and Ontario.
31206 20 Avenue SE, Calgary, AB T2G 1M8 * Ph. 403-453-1529 ext. 502* www.juriscapital.ca
4. Investment Opportunity
Juris’ primary lending product will be loans for family law clients, specifically those individuals
who have tangible assets to secure against and who will almost always be guaranteed a settlement.
This settlement will be used to pay back the Juris loan.
Whether the borrower is legally married or in a common law relationship, when a break up occurs,
lawyers are needed, especially when there is joint property and children involved. The rising
occurrence of divorce (or breakdown in a common law relationship) in Canada (and worldwide)
and the lack of accessibility to legal services are a perfect marriage (pardon the pun) for a company
such as Juris.
Further, there are no age restrictions with respect to who might avail themselves of Juris’ product.
Individuals and families, from 18 years or older are all candidates to support Juris’ customer base.
Structural Overview
Juris will initially have the following departments:
1. Management - President and CEO - Katherine Kowalchuk, BA, LLB
2. Chief Operating Officer – Estee Langis
3. Credit Evaluation and Underwriting – Credit Committee
4. Exempt Market Dealer, Investment Fund Manager & Restricted Portfolio Manager –
BMG Financial Service Corp.
5. Sales/Marketing
6. Investor Relations
The People
Katherine Kowalchuk – President & CEO
Katherine is a practicing lawyer in Calgary, Alberta, with 13 years’ experience in the industry.
She owns Law Boutique, a law firm offering primarily family law services and also owns Divorce
Ink Ltd., a family law marketing company. She practices in real estate law, banking and finance
law, wills/estate law, and corporate/commercial law.
As a lawyer practicing in family, real estate, banking and finance, Katherine has a good grasp on
the assets, liabilities and income as well as understands how the target client’s particular legal
matter will be resolved. She also has a firm understanding of the nature of security required to
ensure minimal default rates including, but not limited to, mortgages, general security agreements,
guarantees, assignment of receivables, postponement of shareholders’ loans, assignments and
directions to pay (among other types of security), ensuring that Juris is paid back for any loan
made.
41206 20 Avenue SE, Calgary, AB T2G 1M8 * Ph. 403-453-1529 ext. 502* www.juriscapital.ca
5. Investment Opportunity
Estee Langis, COO
Estee brings a wealth of experience to the sales and marketing segment of Juris Capital. Estee
has worked in sales and marketing management for over 15 years, particularly in the strategic
planning and development of top performing sales teams. Estee has played a significant role in
the transition of traditional media to digital platforms providing leading edge solutions including
Search Engine Optimization, Marketing and website development. She has extensive knowledge
in revenue and growth performance indicators as well as New Market and Product Penetration &
Development. She has worked previously in setting up and raising funds for a several start-ups as
well as a junior oil and gas company in Calgary.
BMG Financial Services Corp.
BMG is registered as an exempt market dealer (EMD) in BC, AB, SK, MB and ON and is
registered as a restricted portfolio manager (RPM) and investment fund manager (IFM). Nathan
Bernhardt is the President and Chief Compliance Officer of BMG.
51206 20 Avenue SE, Calgary, AB T2G 1M8 * Ph. 403-453-1529 ext. 502* www.juriscapital.ca