SmallCapSociety

Society Picks of The Week


REZYFi, Inc.

REZYFi, Inc. is a cannabis mortgage bank servicing the needs of both traditional and non-traditional consumers and businesses. Its target markets include licensed and permitted cannabis companies, owners of real estate who lease to cannabis companies, and companies and individual homeowners seeking a variety of real estate-related first and additional mortgage-based financing and project-specific financings, such as solar installations and real estate development projects.

Headquartered in Miami, Florida, REZYFi operates through two wholly owned subsidiaries – REZYFi Lending, which primarily addresses emerging real estate-related financing opportunities, and ResMac Inc., the company’s traditional mortgage origination, correspondent and servicing operation. REZYFi is currently licensed in 34 U.S. states, with plans to expand to all remaining states later this year.

REZYFi is positioned as one of first cannabis mortgage bankers in the U.S., while most traditional lenders are still reticent to serve the state-licensed cannabis industry.

Operations

REZYFi Lending


REZYFi Lending leverages a wide network to offer options such as 15- and 30-year fixed-rate loans, FHA loans, VA loans, reverse mortgages, jumbo loans and adjustable-rate mortgages.

Looking ahead, the company expects increased funding in marketing and loan agents to drive significant origination growth over the next two years, further supported by the planned launch of a high-margin cannabis division later this year.

ResMac Inc.

ResMac has been in operation for 13 years, having closed more than 20,000 loans for more than 15,000 clients. The company expects to accumulate $285 million in retail origination in 2023, alongside $250 million in wholesale origination for the same period. ResMac is further targeting $600 million in origination through its mortgage correspondent operations for 2023.

Through its ResMac subsidiary, REZYFi operates as a direct lender and originator of residential mortgages, with active mortgage correspondent and mortgage servicing operations. Through its correspondent segment, ResMac primarily purchases and aggregates residential mortgages from trusted third-party originators.

The company intends to harvest the database of customers within its mortgage servicing operations as an essential source of additional growth, especially relative to the new alternative residential loan programs being offered.

Corporate Strengths

  • Experience – REZYFi is led by a seasoned management team with significant expertise spanning a wide range of real estate and financing subsectors. The team also has extensive experience in the cannabis and hemp marketplace, which the company intends to leverage as it navigates the changing landscape of the cannabis industry while sourcing the best opportunities in the sector.
  • Network of Independent Brokers – Over the past five years, REZYFi has developed an extensive network of independent mortgage-related brokers and licensed loan officers. The company is currently training the network members on its new service offerings, with many already launching sales efforts. REZYFi believes this network will be a vital asset moving forward as other firms in the sector terminate relationships in the face of slowing mortgage business in a rising interest rate environment.
  • Proprietary Technology – REZYFi has invested heavily in designing, building and implementing proprietary automated/machine learning technology to shorten loan processing timeframes and increase efficiencies, allowing it to operate its legacy business at staffing levels meaningfully below those of its competitors.

Investment Considerations

  • REZYFi Lending sees higher margin lending opportunities as well as significant market opportunity to provide the growing and underserved cannabis industry with financial services.
  • ResMac forecasts $285 million in retail loan origination in 2023 and foresees strong growth opportunities.
  • ResMac is on pace to originate $250 million in wholesale loan business in 2023, with its year-over-year credit facility increase expected to jump more than 300%.
  • The company’s management team has more than 40 years’ experience in the mortgage and lending industry.
  • REZYFi expects to operate nationwide by the end of 2022; it currently operates in 34 states.

Additional Resources

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- Recent Coverage -

InvestorNewsBreaks – REZYFi Inc. Positioned as One of the First Cannabis Mortgage Bankers in the US

REZYFi is a cannabis mortgage bank servicing the needs of both traditional and non-traditional consumers and businesses. The company is targeting markets that include licensed and permitted cannabis companies, owners of real estate who lease to cannabis companies, and companies and individual homeowners seeking a variety of real estate-related first and additional mortgage-based and project-specific financings – like solar installations and real estate development. “The company is positioned as one of the first cannabis mortgage bankers in the United States, an arena where most traditional lenders remain reticent to serve state-licensed cannabis companies. To overcome many of the challenges that the companies in the cannabis industry face, REZYFi plans to utilize its corporate strengths to facilitate growth, namely experience, a network of independent brokers, and proprietary technology,” a recent article reads. “REZYFi operates through its two wholly owned subsidiaries from its base of operations in Miami, Florida. The first, REZYFi Lending, primarily addresses the emerging real-estate related financing opportunities within the targeted industry. The second, ResMac Inc., is the company’s traditional mortgage origination, correspondent and servicing option.”

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Freight Technologies Inc.
(NASDAQ: FRGT)

Freight Technologies Inc. (NASDAQ: FRGT) (“Fr8Tech”) is a technology company developing solutions to optimize and automate the supply chain process, providing a platform for B2B cross-border shipping in the NAFTA region. The company’s mission is to revolutionize cross-border shipping by providing carriers with increased growth opportunities and shippers with flexibility, visibility and simplicity for the once-complex process of international over-the-road shipping.

Freight Technologies, formerly known as Hudson Capital Inc., assumed its current name and ticker symbol on May 27, 2022. Its primary operating subsidiary and its marketplace are known as Fr8App, and it conducts operations throughout North America under the names of Fr8App and/or Freight App. The company is headquartered in Houston, Texas, with multiple locations across the U.S. and Mexico.

The Fr8Tech Solutions Suite

Fr8Tech leverages artificial intelligence to provide cloud-based platforms aimed at automating the over-the-road transportation process, effectively reducing human touch points and expediting load booking times. The company’s suite of solutions includes:

  • Fr8app – A B2B marketplace powered by AI and Machine Learning offering a real-time broker portal to connect shippers with qualified carriers
  • Fr8Radar – A tracking solution providing shippers and carriers real-time locational data via Fr8app’s mobile solution or through integration with third-party GPS alternatives
  • Fr8TMS – A transportation management system designed to help shippers manage their freight and all of the documents involved in shipping transactions, including invoices, customs documents, confirmation rates and proof of deliveries
  • Fr8FMS – A fleet management system allowing transportation companies to better manage their fleets, reduce operational costs and provide better service to their customers
  • Fr8Data – A data solution offering real-time dashboards and reports to shippers and carriers in an effort to increase visibility and control while supporting better business decisions
  • Fr8Fleet – A platform that provides private fleet management, enabling large corporate shippers to purchase dedicated capacity secured by Fr8app in exchange for a fixed fee

Commitment to the Environment

Through its core focus on technology, Fr8Tech seeks to reduce the carbon footprint of the logistics industry. Its solutions aim to minimize empty miles for transportation firms and reduce overall paper consumption.

Fr8University

Fr8University is an educational program offering classroom and on-the-job training for Fr8Tech team members. Through the program, employees learn in-depth business fundamentals and applications along the truckload freight industry value chain.

Led by corporate educator Mario Mena, Fr8University is designed as an investment in the company’s human capital, providing an opportunity to communicate Fr8Tech’s corporate culture while accelerating operational growth.

Investment Considerations

  • Fr8Tech aims to revolutionize cross-border shipping by providing shippers flexibility, visibility and simplicity.
  • Through Fr8app, the company reduces human touch points and expedites load booking times.
  • Fr8Tech seeks to lessen the carbon footprint of the logistics industry by minimizing empty miles for transportation firms and reducing overall paper consumption.
  • The company’s established foothold in Mexico, the U.S.’s largest trade partner, is key to its current efforts to promote sustainable growth in the cross-border shipping industry.
  • U.S.-Mexico cross-border annual freight spending is estimated at $385 billion.
  • The company is led by a strong management team with decades of experience in transportation and technology.

Additional Resources

View Complete Profile

- Recent Coverage -

TinyGemsBreaks - Freight Technologies Inc. (NASDAQ: FRGT) Positioned for Continued Growth Amid Prevailing Market Trends

October 4, 2022 12:00 PM

Freight Technologies (NASDAQ: FRGT), a company that simplifies cross-border shipping and daily carrier operations through its B2B marketplace Fr8App, recently filed a Form F-1 with the Securities and Exchange Commission (“SEC”). “In the recently filed Form F-1, Fr8Tech, a British Virgin Islands-incorporated technology company developing supply chain optimization and automation solutions and providing its Fr8App platform for B2B cross-border shipping, registered more than 19 million ordinary shares for resale by selling shareholders identified in the form… Fr8Tech CEO Javier Selgas commented, ‘We are incredibly proud of our team, and thank them for their work and dedication to deliver our F-1 registration, which positions us to be able to grow as a public company. Delivering our registration statement puts us in a position to continue to work with the capital markets to foster the growth of our company,’” a recent article reads. “The efforts to grow the company are timely considering the prevailing trends in the North American freight transportation market… Fr8Tech, which is snugly positioned to benefit from this growth, expects the market to continue growing at rates at least equal to historical values, according to the recent filing.”

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Our focus is on micro- and small-cap companies spanning a range of industries and stages of development. The stocks that catch our attention feature the products, services, management teams and business plans required to thrive in today's markets. For the knowledgeable investor, the small-cap space represents huge potential, but keeping abreast of the latest happenings in specific industry sectors and niches is essential to optimizing long-term returns. We're not interested in selling snake oil or touting the so-called "hottest" stocks. We're all about giving you the tools and information needed to uncover ground-floor plays that are ripe for big-time moves.

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