Yesterpay Series C Bonds

$1,000 minimum
completed of $500,000
*No closing minimum All funds raised will be delivered to the company at the close of the campaign
$46,000 currently processing
investors Only investors who have completed the investment.
days to go

Full details of the offering can be found in the Offering Memorandum. This communication is for informational purposes only. 

Please note this is Series C Bonds page Offering. 

You can find the other bonds here: 

Series D Bonds

Series E Bonds

Series F Bonds

About Us

In 2012, Yesterpay Holding Incorporated (Yesterpay) was established to help grow our sister company, CapitalNow. Yesterpay was conceived and designed specifically to provide Capital Now with a scalable, stable, diverse and cost-efficient source of capital.  Yesterpay allows individual investors to participate in the Capital Now business.  In 2016, Yesterpay Holdings Incorporated became CapitalNow’s primary source of capital.

Since its inception, CapitalNow has worked with hundreds of clients and their customers to find capital to grow their businesses. CapitalNow has weathered the 2008 and 2014 downturns in the economy, using those challenging times to refine the logistics associated with their values based customer service. 


Type of Bond
Interest Rate
Interest Payment
Principal Payment
Series C Bonds
1 Year
Paid on the last day of each month
Paid on maturity
Series D Bonds
2 Years
Paid on the last day of each month  
Paid on maturity
Series E Bonds
3 Years
Paid on the last day of each month
Paid on maturity
Series F Bonds
3 Years
Compounded monthly and paid on maturity (making the effective rate is 9.6%)
Paid on maturity

  • Bonds backed by quality commercial receivables
  • One, two or three year bond terms
  • Automatic repayment when bond matures
  • RRSP, TFSA eligible
  • Professionally managed and administered
  • Privately funded by Canadians
  • Supporting Western Canadian businesses

Liquidity and Early Redemption

  • Non-Trading Securities

  • Redemption occurs when the bonds mature after 1, 2 or 3 years

  • Early Redemption Options

    • –  1 year Bond: Series C – does not provide early redemption

    • –  2 and 3 year Bonds: Series D, E & F

      • 10% of the issued and outstanding bonds may be redeemed

      • Twice a year on March 31st and September 30th

      • A small penalty of 5% or less may apply (declining over time)

What We Do

Factoring is a business financing solution that has been around for centuries. Records of factoring go back 3,800 years and it is believed to have originated in ancient Mesopotamia. Factoring is also more common than you would suspect and exists in several forms including consumer credit cards and services like PayPal™.

In this case, factoring helps a company bridge the cash flow gap between delivering a product or service and getting paid 30, 60, or even 90 days later. As a factor, CapitalNOW verifies and purchases the company's invoice at a discount and advances a portion of the amount of the payment owed by their customer. This way, the company receives much-needed cash flow quickly and can avoid financial shortfalls and take advantage of growth opportunities.

How Does it work?

Use Of Proceeds

  • Provide working capital to:

    – purchase credit receivables; and

    – grow the business through the acquisition of businesses and technology.

  • The capital cannot be used to fund operations

We Keep You Informed

  • Monthly Statements are emailed to investors

  • Annual Audited Financials Statements are posted on:

    • –  SEDAR for Yesterpay

    • –  Webite for Yesterpay and


  • Quarterly financials are provided in the Offering Memorandum

  • Investor Conference Calls are scheduled quarterly

  • News and Events – updated monthly

Help Us Help Small and Medium Business Owners

I used Capital Now as a tool to grow my business. Now I know I’ve got the cash to make my commitments no matter what. — John, Terra Nova Ventures Ltd

It [accounts receivable financing] made daily operations easier and more comfortable. For example, we always have cash flow on hand now. And also, Capital Now takes care of all of the work of trying to track down the payments from the accounts payable departments. — Rob Shaw, Topline Oilfield Hauling Ltd

The biggest mistake business owners make is not calling to see if there is something that we can do to help. I know that many companies we could have helped are no longer around simply because they did not know we were available, let alone had a solution that could have saved their business. — Gerry Wawzonek, Capital Now Co-Founder & CEO

Meet the Team
Gerry Wawzonek
Co-Founder & CEO
Natalie Wawzonek
CAEF Co-Founder & COO
Art Smith Vice
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General Risks
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  • Offering (unit) type: Bonds
  • Bonds Offered: Series C Bonds 1 Year at 6,5% 
  • Price per unit: $100
  • Minimum current raise: No Minimum
  • Maximum current raise: $10,396,900 

Get in Touch
(587) 779-7929