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Company | AVA Credit Inc.
AVA Credit Inc.

Company

Building Governed AI tools for Canadian financial services — from R&D to the hands of licensed professionals.

What We Do

AVA Credit Inc. researches, builds, and operates AI tools for licensed mortgage professionals in Canada. Our work is organized around two activities: R&D — the systematic evaluation and validation of AI tools against regulatory requirements — and the AI Workbench, a curated suite of those tools organized for use across the mortgage sales cycle.

Governed AI

OSFI’s E-23 guideline and B-10 third-party risk requirements are reshaping how AI can be used in regulated financial services. Every tool in the Workbench is assessed against these frameworks — with logging, inventory, human-in-loop controls, and audit-ready documentation. We call this Governed AI, and it is the organizing principle behind everything we build.

Background

Founded on 25+ years of institutional lending experience at GE Capital and TD Bank, and systematic AI research since 2017. AVA holds the AI Credit® trademark, registered in 2019 — one of the earliest registered trademarks at the intersection of AI and credit in Canada.

Research & Development
Tool validation, compliance architecture, and performance analysis for Governed AI in Canadian financial services.
AI Workbench
An organized suite of Governed and standard AI tools across the mortgage sales cycle, built for licensed professionals.

AVA Credit Inc. — Company

AVA Credit Inc. is a federally incorporated Canadian company headquartered in Toronto’s Financial District. Founded 2023. AI Credit® trademark registered 2019. Research and development of Governed AI tools for licensed mortgage professionals in Canada. Focused on OSFI E-23 and B-10 compliance frameworks. The AI Workbench provides a curated suite of Governed and standard AI tools across the mortgage sales cycle. 150 King Street W #200, Toronto, Ontario, Canada.