Medical Loans Canada

Reviewed By

Vlad Sherbatov

Co-Founder & President

Vlad holds a degree in Business Administration, Management and Marketing from Toronto Metropolitan University (formerly Ryerson University) and has spent over 15 years working at the intersection of consumer lending, business financing, and fintech. He is a recognised figure in the Canadian lending industry, acknowledged by the Canadian Lenders Association for his contributions to transparency and access within Canada’s lending ecosystem.

Vlad has spoken at industry conferences including deBanked, where he has shared perspectives on the future of lending and small business financing. His commentary has appeared in the Toronto Star, National Post, Financial Post, and other major Canadian publications. At Smarter Loans, he oversees the platform’s lender relationships and contributes directly to content covering business financing, credit markets, and fintech developments.

Written By

Rafael Rositsan

Co-Founder & CEO

Rafael holds a Bachelor of Commerce in Marketing from Toronto Metropolitan University and brings over 15 years of experience building digital platforms focused on consumer lending, financial access, and fintech innovation. His work at Smarter Loans has centred on creating a borrowing experience that is transparent, efficient, and genuinely useful for Canadians exploring their financing options.

Rafael’s financial insights have been featured in the Toronto Star, National Post, Financial Post, and other business and financial media. He contributes to content covering personal loans, digital lending platforms, consumer credit behaviour, and the evolving Canadian fintech landscape.