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OCAL Financial Inc. is a Canada-based fintech company. The Company offers fully virtual, artificial intelligence (AI)-native licensed automotive finance platform that connects borrowers, ranging from prime to deep subprime, to a nationwide network of regulated lenders through a proprietary digital platform. It serves clients across British Columbia and Alberta and intends to expand into Ontario, Quebec, and the United States market (Washington, Arizona, and Nevada). The Company's AI-powered infrastructure supports automated approvals, document generation, and real-time engagement through voice agents, creating a faster, more accessible financing experience for underserved and digital-first consumers alike. Its financial services includes pre-owned vehicle financing, powersports financing, RV financing, personal loan financing, auto repair financing, and healthcare financing.