About Us

Vault is a financial services company dedicated to delivering a variety of credit products to meet the diverse needs of our originator partners and borrowers. We offer equipment leases, mortgages and commercial loans allowing for customizable financing solutions.

We are driven by the relentless pursuit of excellence. We are constantly striving to improve our customers’ experience by increasing our product offerings while focusing on simplified lending.


Our mission is financing simplified: We create a seamless experience for originators at every step in the financing process. When we do our job right, originators excel at theirs.


A simplified financing world for originators in which we protect, empower and enable them to grow their businesses.


Daniel Wittlin provides strategic direction with a focus on product conception and risk management. Daniel has founded and operated independent financial service companies that have successfully competed against the banks for decades. Notable, he was the former CEO of Blue-Chip Leasing Corporation (“Blue Chip”) and Eco-Home Financial (“Eco-Home”). Blue-Chip is a national equipment leasing company and Eco-Home is a national consumer financing company. Daniel sold both companies to the Chesswood Group Ltd. (CHW.TSX) in 2015. In 2012 Daniel co-founded Vault Mortgage Corporation with Robert Trager. Together, they built Vault Mortgage into one of Ontario’s largest residential alternative non-bank mortgage lenders. Building on his decades of experience, and after spending some time with his family, in 2018 Daniel founded Vault Credit Corporation which finances equipment leases as well as other credit products. Daniel is a graduate of the Richard Ivey School of Business at the University of Western Ontario where he earned an HBA.

Robert Trager actively oversees all aspects at Vault, with a focus on determining and executing the company’s strategic direction for existing and new products. Robert co-founded Vault Mortgage in 2012 and is now the President of all of Vault’s entities. Robert is a licensed lawyer and worked at Borden Ladner Gervais LLP where he concentrated on litigation and real estate law. Robert holds a Juris Doctorate from Queen’s University. He is licensed with the Financial Services Regulatory Authority of Ontario as a mortgage broker and administrator in addition to being a licensed exempt market dealing representative with the Ontario Securities Commission. Currently, Robert sits on the board of directors of the Private Capital Market Association where he co-chairs the Mortgage Investment Entities Committee and is also active with the Ontario Mortgage Investment Companies Association where he leads the Regulatory and Government Relations Committee.

Executive leadership is supported by an experienced team of senior managers providing decades of experience in equipment leasing, mortgages and other credit products.

Marcelle Newstadt – Chief Operating Officer
Harman Aujla – Chief Risk Officer
Lauren Teblum – Chief Revenue Officer
Amy Ma – Chief Technology Officer & Chief Financial Officer
Ramon Chait – VP of Origination
Allison Mikos – Director of Operations and Privacy Officer

Roy Thomas – Chief Risk Officer
Emerson Dias – SVP Sales
Niall Clarke CPA, CA – VP, Finance
Colin Johnston – SVP Sales and Operations, Western Canada

About Us