Team | AVA Credit Inc.

Matthew Dobson

Founder & CEO, AVA Credit Inc.

Perplexity AI Business Fellow

Career Highlights

Financial Services Veteran

20+ years at GE Capital, TD Bank, and private credit. Billions in commercial lending originations across Canada and the United States.

AI Credit® Pioneer

Trademarked AI Credit® in 2019. Led 100 AI-enabled U.S. SBA 504 mortgage transactions exceeding $100M, proving human-AI collaboration at scale.

RGI Framework™ Creator

Developer of the RGI Framework (Retrieve, Generate, Interact). Training thousands of mortgage professionals at DLCG with a 97% positive response rate.

2025 Perplexity Fellow

The Journey

Matthew Dobson is a Toronto-based financial services leader with more than two decades of expertise in commercial lending. He has held senior sales and credit leadership roles at GE Capital and TD Bank, and served as Chief Credit Officer for a bank-backed private credit fund in Los Angeles. Over his career, he has originated and underwritten billions of dollars in commercial mortgages and equipment loans across Canada and the United States.

He is the founder of AVA Credit Inc., a pioneering platform integrating generative AI into mortgage and business finance workflows. The name AVA—Accelerated Virtual Analyst—was coined in early 2023. Matthew’s AI journey began in October 2017 when a University of Toronto PhD student shared Google’s “Attention Is All You Need” paper. Within two months, he filed the AI Credit® trademark.

From 2020 to 2023, as Chief Credit Officer, Matthew led AI-enabled underwriting across 100 U.S. SBA 504 mortgage transactions exceeding $100 million—proving that human-AI collaboration could succeed in high-stakes lending. A landmark 2021 transaction funded a data center supporting early training infrastructure for a leading foundation model.

In 2025, Matthew was selected for the inaugural Perplexity AI Business Fellowship, an enterprise AI program alongside CEOs from Perplexity, NVIDIA, Databricks, Box, and Bridgewater. That same year, he developed the RGI Framework™ (Retrieve, Generate, Interact) and launched a national AI training initiative for Dominion Lending Centres Group (TSX: DLCG), Canada’s largest mortgage network. Through AVA’s consulting division, Matthew built and deployed dlcg.io, featuring live sessions, interactive prompt laboratories, and Isaac—a 24/7 AI agent. The program has trained thousands of licensed mortgage professionals with a 97% positive response rate.

Matthew is a licensed mortgage agent with Mortgage Architects (TSX: DLCG), specializing in business financing and owner-occupied commercial mortgages in Ontario. He holds a B.Sc. from Western University and is a dual citizen of the United States and Canada.