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Elevating the Financial Landscape: Marble’s Transformative Q3 Performance

Posted by Brittany McNabb at 10:30 AM on Thursday, November 30th, 2023

In the dynamic realm of financial technology, Marble Financial Inc. (CSE: MRBL) (OTC Pink: MRBLF) (FSE: 2V0) emerges as a pioneering force, redefining the use of real-time financial data. As the third quarter of 2023 draws to a close, Marble delights in unveiling its stellar financial results, showcasing robust growth and strategic prowess.

Background and Context: Paving the Path to Financial Empowerment

Marble Financial Inc., an AI-driven financial technology company, has consistently demonstrated its commitment to reshaping the financial landscape. Focused on revenue growth products in open banking, Marble’s journey is marked by a dedication to empowering businesses and consumers to make informed financial decisions.

Key Highlights and Advantages: A Glimpse into Marble’s Triumphs

  • Sustained Growth: Marble reports slightly higher total revenues, reaching $986,173 for the nine-month period ending September 30, 2023.
  • Inverite’s Surge: The Company witnesses increased growth in Inverite’s transaction volumes, recording a 39% increase over the comparative period in 2022.
  • Diverse Revenue Streams: Marble’s success is underscored by the generation of marketing service fees, higher subscription fees from MyMarble and Boost Loans, and interest revenue from its loan portfolio.

Potential Impact and Significance: Resilience in the Face of Challenges

Despite financially challenging times, Marble stands resilient. The company’s strategic focus on streamlining operations has resulted in a 15% decrease in operating expenses. The recorded net income of $382,909 for the nine-month period reflects a significant turnaround, primarily attributed to the gain on settlement of bonds and lower overall operating expenses.

Expert Opinions and Analysis: A Testament to Innovation

Karim Nanji, Marble’s CEO, emphasizes the company’s dedication to open banking innovations. The introduction of Narayan Sainaney to the Advisory Board and strategic agreements with ScoreNavigator and Grit Financial underscore Marble’s commitment to driving industry growth through advanced analytics and consumer-directed finance tools.

Challenges and Considerations: Navigating the Financial Landscape

Marble acknowledges the challenges in the micro and small sectors of the public markets in Canada. However, the company remains resolute, continuously challenging itself to boost revenue, drive efficiencies, and reduce costs.

Conclusion: A Visionary Future

In the quest for financial stability and industry transformation, Marble Financial Inc. stands at the forefront. The Q3 results underscore Marble’s unwavering dedication to open banking, propelling a fundamental shift in lending practices and financial inclusion. As the company navigates through challenges, its commitment to cutting-edge technology and strategic partnerships positions Marble as a beacon of innovation and success.

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Elevate Your Credit Score: The Impact of Reporting Rent on Your Financial Future

Posted by Brittany McNabb at 5:01 PM on Thursday, November 16th, 2023

In the intricate world of finance, where credit scores reign supreme, one often-overlooked strategy is proving to be a game-changer – reporting your rent. Whether you’re a recent graduate navigating the complexities of adulthood, a business owner shaping your credit portfolio, or someone eyeing a dream vehicle, understanding the dynamics of credit score management is paramount.

Why the Rent Report Matters

For many Canadians, rent stands as the most substantial monthly expense. Traditionally, it didn’t contribute to credit history, but the rent report is changing the game. Consistently reporting your on-time rent payments is emerging as a powerful tool in shaping your creditworthiness.

Does Reporting Rent Increase Your Credit Score?

Absolutely. Major credit bureaus like Equifax and TransUnion recognize the importance of rent payments in gauging creditworthiness. Studies reveal that including rent data in credit reports significantly benefits individuals with thin credit files, providing a crucial step toward building or rebuilding a robust credit history.

How Can You Start Reporting Your Rent?

Getting started is simpler than you think. Modern property management platforms and rent payment tools often integrate features that report your payments directly to credit bureaus. Alternatively, third-party services dedicated to capturing and reporting rent data are available.

Why Is This Crucial For You?

A commendable credit score is your passport to financial opportunities. For those with limited credit history, reporting rent is a stepping stone to approvals for essentials like credit cards or loans. For individuals with low scores, it’s a beacon to repair and revive credit health.

Final Thoughts

Your journey to financial stability has a new ally – the rent report. Every positive action counts, and by integrating your monthly rent into your credit report, you’re not just paying for shelter; you’re building a more secure financial future.

For comprehensive insights and tools guiding your financial journey, explore From articles to expert advice, Marble is here to ensure you make informed decisions at every step.




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Marble $ $MRBLF Launches Personal Financial Wellness Platform, ‘MyMarble’ with Mortgage Approval Help $ $ $

Posted by AGORACOM at 12:12 PM on Thursday, April 8th, 2021

Vancouver, B.C – TheNewswire – APRIL 08, 2021 – Marble Financial Inc. (CSE:MRBL (CNSX:MRBL.CN); OTC:MRBLF FSE:2V0) (“Marble” or the “Company”), an AI-driven financial technology company that educates and helps Canadians better understand and manage their current cash flow and credit towards a better financial future, is pleased to announce a referral agreement with Mortgage Approval Help (“MAH”) offering its consumers, Marble’s AI-driven financial wellness SAAS platform, MyMarble .

Marble, a leading financial technology innovator, is announcing a new referral program with MAH, a subsidiary of Home Owner Soon Financial Inc. MAH is a Canadian Fintech that helps consumers understand their financial situation and then connects them with mortgage lending partners who can best match their criteria to a solution at the best rates available.

Since 2012, MAH has helped thousands of Canadians to achieve homeownership through their revolutionary Mortgage Comparison Platform.  Access to such a motivated consumer base presents a sizeable new growth channel of opportunity for Marble to empower Canadians using its holistic personal finance fintech solution that provides precise expert curated recommendations, insights, and financial literacy.

Despite the economic impact of the COVID-19 pandemic, Canada’s home sales reached a new all-time record in February 2021, up 25% from the previous year, according to the Canadian Real Estate Association (1) .

With an increase in demand and desire for homeownership, there is an increasing need for companies like MAH to help find the best products and providers to reach their goals. Solutions like MyMarble will help strengthen MAH customers with their future financial outlook when seeking the best rates available.

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Marble Financial $ $MRBLF Announces Closing of Non-Brokered Private Placement $ $ $

Posted by AGORACOM at 7:47 PM on Friday, March 26th, 2021
Marble Financial

Vancouver, BC – March 26, 2021 – Marble Financial Inc. (CSE:MRBL ) ( OTC:MRBLF ) ( FSE:2V0) (CNSX:MRBL.CN)(“Marble” or the “Company”) , an AI-driven financial technology company that educates and helps Canadians better understand and manage their current cashflow and credit towards a better financial futur , is pleased to announce the closing of its non-brokered private placement (the “Placement”). Marble issued 2,333,333 units (the “Units”) at a price of $0.30 per Unit for gross proceeds of $700,000.

Each Unit is comprised of one common share of the Company (“Shares”) and one-half of one non-transferable warrant, with each whole warrant (each a “Warrant”) being exercisable to purchase a further Share at a price of $0.45 for a period of 12 months following the closing date, subject to accelerated expiry if the common shares of the Company trade or close at a price of $0.55 or more for 10 consecutive trading days on the Canadian Securities Exchange (“CSE”). Pursuant to the closing of the Placement, a director of the Company purchased 200,000 Units.

All securities issued in connection with the Placement, are subject to a statutory hold period expiring July 27, 2021.

The participation by the director in the Placement constitutes a “related party transaction” within the meaning of Multilateral Instrument 61-101 – Protection of Minority Security Holders in Special Transactions (” MI 61-101 “) and the policies of the CSE.  

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Marble $ $MRBLF Launches its ‘MyMarble’ Financial Wellness Platform with Canada Finances $ $ $

Posted by AGORACOM at 11:30 AM on Thursday, March 18th, 2021

Vancouver, B.C. –  March 18, 2021 – Marble Financial Inc. (C NSX :MRBL. CN) ( OTC:MRBLF ) ( FSE:2V0) (“Marble” or the “Company”) utilizes AI-driven financial technology company to help Canadians better understand how credit can affect their financial future, is pleased to announce a referral agreement with LSEO Canada Digital Marketing (“Canada Finances”) offering its consumers our AI-driven financial wellness SAAS platform, MyMarble.

Marble, a leading financial technology innovator, is expanding its referral program with Canada Finances, a company that aims to solve the problem of asymmetric information and put Canadian’s back in the driver’s seat. Since launching in August 2020, Canada Finances already attracts over 20,000 Canadians looking to obtain vehicle financing each month. Access to a motivated visitor base of consumers heavily focused on their financial goals presents another new growth channel of opportunity for Marble and further empowers Canadians using its complete personal finance fintech solution that supplies precise expert curated recommendations, insights, and financial literacy.

According to Thomas Feltmare, a senior economist for TD Economics, Canadian auto sales are expected to surge 37 percent in 2021 (1). This increase will result in thousands of consumers turning to alternative online financing options like Canada Finances to gain a more flexible and transparent service to achieve their financial goal of vehicle ownership. This growing trend amongst consumers has presented a much higher need for Canadians to use technology like MyMarble to strengthen their approval chances.

For consumers to receive the best offers and financing rates in a much shorter time period, this new referral engagement will leverage Canada Finance’s customer-centric and automated technology that accurately identifies consumers who require help from MyMarble financial wellness products. This engagement will enable thousands of monthly visitors to Canada Finances access to MyMarble’s platform, offering AI-powered recommendations, credit monitoring, coaching and budgeting technology to consistently boost their credit score.

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Marble $ $MRBLF Launches New Subscription Pricing Tiers to its ‘MyMarble’ Financial Wellness Platform $ $ $

Posted by AGORACOM at 9:51 AM on Thursday, March 4th, 2021
Marble Financial

Vancouver, B.C – TheNewswire – March 04, 2021 – Marble Financial Inc. (C NSX :MRBL ) ( OTC:MRBLF ) ( FSE:2V0) (“Marble” or the “Company”), an AI-driven financial technology company that educates and helps Canadians better understand and manage their current cashflow and credit towards a better financial future, announced today the launch of new subscription tiers, for its AI-driven financial wellness SAAS platform, MyMarble .

According to Stats Can, Canada’s national statistical office, the household debt percentage of disposable income rose to 171% before the end of 2020 (1) . The growing trend in household debt has resulted in a growing market of underbanked Canadians needing to rebuild and/or improve the financial status and is expected to further grow now as the current Government relief programs related to COVID-19 are coming to an end.

The growing trend in household debt has resulted in an ever-increasing market of underbanked Canadians needing to rebuild and/or improve their financial status.  This is expected to increase further as the current Government relief programs related to COVID-19 come to an end.

‘MyMarble’: An Affordable and Sustainable Solution for Underbanked Canadians to have a Data-Driven approach to Personal Financial Fitness.

MyMarble offers underbanked Canadians the ability to harness the power of data algorithms and AI technology to make the right financial decision that will help them manager debt, build credit, and budget towards their goals more effectively.

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Marble $ $MRBLF Launches its ‘MyMarble’ Financial Wellness Platform with LendforAll Canada $ $ $

Posted by AGORACOM at 11:11 AM on Tuesday, February 23rd, 2021

Vancouver, B.C. – February 23, 2021 – Marble Financial Inc. (CNSX :MRBL) ( OTC:MRBLF ) ( FSE:2V0) (“Marble” or the “Company”) utilizes AI-driven financial technology company to help Canadians better understand how credit can affect their financial future, is pleased to announce a referral agreement with LendforAll Canada offering its consumers our AI-driven financial wellness SaaS platform, MyMarble .

Marble, a leading financial technology innovator, is expanding its referral program with LendforAll Canada, a company that since 2018 has helped over 25,000 borrowers in achieving their financial goals through their proprietary lending platform that is safe, secure, and provides a loan application process that is seamless, simple, and easy to use.

Access to such an engaged visitor base of underbanked consumers presents another new growth channel of opportunity for Marble to further empower Canadians using its holistic personal finance fintech solution that provides precise expert curated recommendations, insights, and financial literacy.

According to Marble’s 2020 Personal Finance Sentiment Survey (1), 65% of Canadians turn to online and alternative lenders, seeking a more flexible and attainable product or service to help with their current financial situation. This growing trend amongst consumers has presented a much higher need for Canadians to utilize technology like MyMarble to strengthen their chances of approval.

This new referral engagement will utilize LendforAll’s, ‘AI-powered product matching system’ that recommends to its consumers the MyMarble financial wellness products.

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Marble $ $MRBLF Executes White Label Distributor Agreement with Canadian Financial for its ‘MyMarble’ Financial Wellness Platform $ $ $

Posted by AGORACOM at 9:44 AM on Wednesday, February 17th, 2021
Marble Financial
  • Research indicates 28% of Canadians are underbanked
  • More than 2m Canadians per year are turning to alternative finance providers

Vancouver, B.C – TheNewswire – Feb 17, 2021 – Marble Financial Inc. (C NSX :MRBL. CN) ( OTC:MRBLF ) FSE:2V0) (“Marble” or the “Company”), utilizes proprietary AI-driven financial technology to help Canadians better understand how accessing credit affects their financial future, is pleased to announce its first white-label distributor agreement with Canadian Financials’ client base of lenders and merchants across Canada.

Marble, a leading AI-driven financial technology innovator, is excited to engage our new MyMarble white-label program with Canadian Financial, a company that believes Canadians need a fresh new take on the personal finance market. Canadian Financials’ fintech platform provides over 20 financial services and products to over 200 alternative lenders.

Research from Mintel and the Canadian Consumer Finance Association ( 1) indicates that 28% of Canadians are underbanked, resulting in over 2 million Canadians per year turning to alternative finance providers.

With the growing financial vulnerability and uncertainty caused by the global pandemic, there is an increasing sentiment and need for informative, ethical, and comprehensive personal financial products to empower Canadians. This data has presented an increased demand for alternative lenders and holistic solutions like MyMarble to help strengthen their access to an affordable and sustainable financial future.

This new engagement will utilize Canadian Financials’ large national directory of alternative financial services – which specializes in both Consumer and Commercial funding for a widely diversified variety of products and services.  This new distributor agreement will present Marble a significant new growth channel of opportunity for MyMarble to empower consumers through its AI-driven fintech solutions, which provide prescriptive and expert-curated recommendations, insights, and financial literacy.

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VIDEO – Marble $ $MRBLF Financial #Fintech App Uses Artificial Intelligence To Nurse Canadians Finances Back To Health $ $ $

Posted by AGORACOM-JC at 6:16 PM on Monday, February 15th, 2021

Almost everybody reading this knows about and even uses wearables for their physical health and wellness. From Apple Watch to FitBit, these wearables monitor everything from physical activity to heart rates and even sleep patterns to determine if you are living a healthy lifestyle and recommend how to achieve one. They monitor, analyze and recommend your best course of action. 

Marble Financial $MRBL $MRBLF does the exact same thing for your financial health and wellness. $MRBL is a Fintech company utilizing the power of Artificial Intelligence, Data Science and Machine Learning to help Canadians manage and improve their financial wellness. Make no mistake about it, $MRBL isn’t a glorified credit score service. It is an ingenious platform that tells you: 

  • When to pay bills (not just the due date)
  • How much to pay (not just the minimum)
  • Which debts to prioritize
  • … and so much more

MyMarble is so good that it was selected as 1of 5 finalists for the Consumer Lending Platform of the Year Category at the Canadian Lenders Association 2020 Leaders in Lending Awards, presented by BMO. 


An incredible ROI (Return On Investment) for MyMarbl users who increase their credit score in months, leading to better interest rates on their credit cards, car loans or mortgages – resulting in HUGE savings for the rest of their lives.

Moreover, for those in SERIOUS financial health distress, use of MyMarbl for just a few months can mean the difference in even getting a loan in the first place. 

Finally, MyMarbl is even a great tool for those who have good credit but have room enough to improve and save serious money on their credit instruments.


It is a serious problem that #COVID19 has only made worse:

  • 50% Of Canadians Are Living Paycheck to Paycheck
  • For Every $1 of income, carrying $1.71 in debt

Clearly, Canadians are in serious need of financial health and wellness. Unfortunately, the worse your financial condition, the less likely you’re going to get professional financial guidance from professionals who focus on the other 50% of the market. $MRBL couldn’t be coming along at a better time for Canadians – and soon to be for Americans with $MRBL announcing plans to be in the United States this year.


What investors will really like about the $MRBL business model is that it has 2 powerful elements:

  • Business To Consumer (B2C) – This is an obvious one given the nature of the product.  $MRBL provides consumers with a freemium model (free model with good tools; paid model $29.99/month for the full suite)
  • Business To Business (B2B) – This isn’t an obvious one but it is ingenious because financial professionals and institutions lose opportunities when a customer doesn’t have adequate credit.  Rather than losing the customer, putting them on MyMarbl helps rehabilitate a rejected customer’s credit and turns them into a full customer months later  

This overview is only the tip of the iceberg about Marble Financial, a disruptive technology company using Artificial Intelligence and Machine Learning to improve the financial health and wellness of people who need it the most.

Watch this great interview with CEO Karim Nanji to learn everything you need to know about $MRBL and where it is going.


Posted by AGORACOM at 9:28 AM on Tuesday, February 2nd, 2021

Vancouver, B.C, Feb 02, 2021 – Marble Financial Inc. (CSE: MRBL; OTC: MRBLF; FSE:2V0) (“Marble” or the “Company”) a financial technology company that empowers Canadians’ toward a positive financial future, is pleased to announce that it has a referral agreement with Smarter Loans offering their customers Marble’s AI-driven financial wellness SAAS platform, MyMarble. 

Marble, a leading financial technology innovator, is expanding its referral program with Smarter Loans, a company that helps Canadians make smarter financial decisions through innovative products such as Marble’s AI-based software products on the MyMarble platform.

Smarter Loans is one of Canada’s largest loan and financial directories where every day, thousands of Canadians make smarter financial decisions, where they can learn about money matters and browse over 100 of Canada’s top financial companies. Exposure to Smarter Loans’ engaged customer base presents another new growth channel of opportunity for Marble to empower Canadians using its holistic personal finance fintech solution that provides precise expert curated recommendations, insights, and financial literacy. 

According to Smarter Loans’ 2020 State of Fintech Lending in Canada Study, Canadians have stayed home longer, and the adoption of fintech products has accelerated dramatically with 71% of respondents indicated that they now manage more of their finances online than 12 months ago. This data has further cemented a need for a holistic and online financial wellness platform like MyMarble to offer them the solutions they are seeking.  

“We are very pleased to be further expanding our engagement with Smarter Loans by offering the MyMarble platform to the Smarter Loans audience is fantastic for us,” says Marble Director of Marketing, Rich Elliott. “Smarter Loans are leaders in providing ethical and sustainable financial lending options for Canadians, something we also feel strongly about. This engagement further propels us in achieving our mission of connecting the underserved to the financial future they deserve.” 

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