Strategic investment note
Confidential document
Prepared for investment analysis
EcoTech Système
July 2026
00

Reading in four messages

The document explains the model without requiring technology or payments expertise.

One single family

A permanent account follows parents and their children across every 0–12 service.

Complete verticals

Each sector receives specialized software that connects its operations and its payments.

A shared financial engine

EcoTech acts as Merchant of Record, automates the financial cycle and keeps each provider’s obligations separate.

Capital funds execution

Partners are already secured. Funding scales onboarding and deployment capacity.

EcoTech is not a platform that bundles services. It is the infrastructure that finally makes it possible to structure the entire 0–12 ecosystem around the same family.

Table of contents

01

EcoTech in a few minutes

EcoTech creates a single permanent family account for every service used by parents and their children ages 0 to 12: meals, daycare, school, before/after-school care, camps, recreation, activities and municipal services.

Today, each provider runs on its own system. For every new service, the parent has to recreate their account, their children, their information, their payments, their credits and their history.

The family is unique. Systems recreate it everywhere.

EcoTech reverses this architecture. The parent creates their EcoTech account only once. It brings together family identity, child profiles, the institutions attended, key information, permissions, payment methods, credits, refunds and history.

This account does not belong to any provider. It stays with the family as children grow up, change institutions or use new services.

From that same account, the parent can use and pay for services from multiple providers without recreating their family or switching environments. Information is entered once, and each provider only accesses the data required for its service, based on the permissions granted.

The family keeps a single record. Each provider only sees what concerns it.

Providers change. Services evolve. The family and its account remain.

02

A problem that repeats in every vertical

EcoTech tackles two layers of fragmentation at the same time.

Fragmentation between verticals

Each service has its own account, its data, its payments, its credits, its communications and its history.

The family pays everywhere, but its financial relationship exists nowhere as a whole.

Fragmentation inside every vertical

VerticalFragmented processes
MealsMenus, orders, production, allergies, labels, deliveries, payments, credits, refunds, reports and payouts
DaycareEnrollments, contracts, attendance, calendars, subsidies, billing, recurring payments, communications and reports
SchoolSchool fees, before/after-school care, meals, activities, enrollments, consents, payments, reconciliation and reports
CampsEnrollments, groups, capacity, activities, permissions, payments, cancellations, refunds and reports
RecreationBookings, subscriptions, schedules, capacity, participants, payments, credits and communications
Each vertical operates as a complete silo, made of systems that do not automatically connect operations, payments and accounting.
03

EcoTech’s assimilation mechanic

When EcoTech integrates a new vertical, it does not just add another service to an app. It transforms how the vertical operates.

1. EcoTech rebuilds operations

Each sector receives a complete product designed for its own actors, rules and workflows.

The caterer handles orders, production, deliveries and payments. The daycare handles enrollments, attendance, billing and recurring payments. The camp handles enrollments, capacity, activities and payment schedules.

For schools, EcoTech does not replace school management systems. It provides the infrastructure that lets families pay every school-related fee from the same account.

Inside every product, the payment is directly linked to the operation that generates it, along with the credits, refunds and payouts that follow.

2. EcoTech plugs the vertical into the shared core

The new vertical plugs directly into the EcoTech infrastructure already in place. It reuses the family account, child profiles, authorized data, payment methods, credits and history.

Its transactions run through the same Merchant of Record, the same ledger, the same wallet and the same mechanics for credits, refunds, payables, reconciliation and payouts.

The vertical brings its operations, its providers and its market. EcoTech immediately provides the shared family relationship and financial infrastructure.

Fragmented vertical
Specialized product
Integrated payments
Family and financial core
The vertical is new. The EcoTech core already exists.

Once plugged in, every new vertical adds its providers, institutions, families and financial flows to an already built infrastructure. Providers attract families, families make deploying the next verticals easier, and every new vertical raises the volume processed by the same financial engine.

04

How money flows

Consider a service priced at $50.

1.  The parent pays $50 to EcoTech
2.  The engine automatically allocates and records the payment
3.  After delivery, it deducts fees and sets the payable
4.  EcoTech pays out the net amount
Order → Payment → Delivery → Payable → Payout

The financial engine automates the entire cycle. The ledger connects every operational event to its financial consequence, making flows verifiable, reconcilable and auditable.

05

How EcoTech generates its margin

The parent pays the service price. EcoTech transaction fees are charged to the provider and deducted before the net payout.

A single provider negotiates payment rates based on its own volume. EcoTech instead consolidates transaction volume across its entire network and negotiates wholesale rates with banks, processors and payment networks.

1

EcoTech charges a rate lower than or equal to the provider’s current transaction cost.

2

EcoTech pays a lower processing cost thanks to consolidated volume.

3

EcoTech keeps the difference as its FinTech margin.

Payment methodRate chargedEcoTech costFinTech margin
Card — entry tier2,9 % + 0,30 $1,6 % + 0,10 $1,3 % + 0,20 $
Interac — entry tier2,9 % + 0,30 $1,2 % + 0,10 $1,7 % + 0,20 $
Card — higher tier3,9 % + 0,30 $1,6 % + 0,10 $2,3 % + 0,20 $
Interac — higher tier3,9 % + 0,30 $1,2 % + 0,10 $2,7 % + 0,20 $
Sezzle / BNPL5,5 % + 0,30 $3,5 % + 0,30 $2,0 %
The provider pays the same transaction fees as before, or less. EcoTech generates its margin through the bargaining power of the consolidated network.
06

Why the provider saves money

EcoTech replaces the software, manual processes and fees that today surround ordering and payment.

Subscriptions, credits, refunds, reports, reconciliation and payouts are automated inside the same infrastructure. The provider pays a lower or equal transaction cost, receives a much more complete system and removes an administrative burden that represents thousands of dollars and many hours every year.

EcoTech simultaneously reduces the financial cost of the transaction and the operational cost needed to run it.

The EcoTech margin does not come from a new surcharge. It comes from the spread created by wholesale volume rates and the efficiency of a shared infrastructure.

07

Why the EcoTech Merchant of Record is different

Split payment

The processor immediately splits the payment between the platform and the provider. Each provider keeps its own financial relationship, its credits, its refunds and its reconciliation.

Fragmentation remains.

EcoTech Merchant of Record

The payment stays within the EcoTech infrastructure until the service is delivered and the amount becomes payable. EcoTech manages fees, credits, refunds, adjustments and payouts in a shared ledger.

EcoTech does not merely split a payment. It governs the entire financial cycle, from order to final payout.

This structure unifies the family’s financial relationship while preserving each provider’s obligations and payouts.

One financial relationship for the family. Separate accounting for each provider.

Financial partners provide the payment rails. EcoTech provides the operational and financial logic that lets the ecosystem run on those rails.

08

A world first built through convergence

Software exists to manage meals, daycares, camps, enrollments and some payment functions. It remains siloed by sector, provider and institution.

In the vast majority of daycares and camps, online payments are not integrated with operations. Organizations still rely on bank transfers, invoices and manual tracking.

Quebec schools have no shared transactional infrastructure that lets parents select, pay and track every school fee inside a single family account. Operations rely on bill payments and separate references that vary by institution and service.

A structural revolution for schools

EcoTech does not build a school management system. It creates the infrastructure that lets families pay — from the same family account — before/after-school care, meals, field trips, activities, materials and other school fees.

Schools do not need to open their own merchant account, integrate individually with a processor or run their own payment infrastructure.

This is not a new bill-payment method. It is a full structural revolution: a single Merchant of Record can support multiple schools, multiple providers, multiple fee types and multiple families inside the same infrastructure.

EcoTech’s world-first lies in this convergence:

EcoTech is building the first EcoSaaS + FinTech infrastructure able to transform multiple fragmented verticals into complete operational and financial products, then connect them to the same permanent family account, the same Merchant of Record, the same ledger and the same wallet.

Each vertical keeps its operations and its providers. EcoTech unifies the family, the payments and the financial responsibility while preserving a full separation of each party’s obligations.

Existing players solve one function or one vertical. EcoTech builds the infrastructure that connects them all.

09

Why this model is the future

EcoTech sits at the center of essential, recurring expenses that families already make throughout their children’s entire childhood.

It does not need to create demand or invent the financial volume. It consolidates and automates transactions that are today scattered across multiple systems.

Providers continue to produce and deliver the services. EcoTech provides the software, the family account and the financial engine that connect them.

Its volume can therefore grow without having to scale kitchens, facilities, vehicles or production staff at the same pace.

The same infrastructure can serve more providers, families, verticals and territories while processing a growing financial volume.
EcoLunch
10

Why EcoLunch comes first

EcoLunch is EcoTech’s first entry point because school meals combine frequent transactions, fragmented processes and a powerful distribution channel.

A single caterer serves multiple schools and daycares. One signed agreement therefore lets EcoTech connect at once a provider, multiple institutions and hundreds or thousands of families.

One caterer
Multiple institutions
Families already onboarded
Immediate transactions

The caterer is not merely a software user. They become the distribution engine for the EcoTech family account and financial infrastructure.

EcoLunch is not the end goal. It is the fastest and cheapest way to deploy EcoTech at scale.
11

What is already built and validated

EcoTech is not presenting a concept to be developed. The architecture described in this document is already built, the MVP has processed real transactions and the first commercial network is already secured.

Work invested

11 000 h
System build
9 000 h
Research and development

Network validation

The product exists. The market has responded. The next challenge is deployment.

ValidationResult
Caterers signed8
Schools represented± 100
Daycares50+
Meals already processed8 566
Real transactions1 543
Current network volume2,500+ meals / day
12

Capital already secured

TypeAmount
Family capital115 000 $
External investment received5 000 $
Fonds d’emprunt Québec20 000 $
External investments being finalized70 000 $
Total received, funded or being finalized210 000 $

The Fonds d’emprunt Québec is presented separately from share capital. Investments being finalized will be qualified based on their status at the time of due diligence.

13

Why EcoTech is hard to replicate

The idea can be grasped quickly. The complete system cannot be rebuilt quickly.

A competitor would have to build multiple vertical products, construct the family account and Merchant of Record architecture, obtain approval for its financial framework, then rebuild the network of providers, institutions, families and real transactions.

A single function can be copied. The full convergence cannot be rebuilt quickly.

The barrier to entry rests on the whole stack:

Technology + approved financial infrastructure + operational expertise + network + data + execution speed

Every new provider, institution and transaction flow reinforces this lead.

14

Why invest now

The product, the financial engine and the first network are already built. Capital does not fund the discovery of the model — it funds its deployment.

EcoTech already has eight caterers to integrate into the platform, representing nearly 100 schools and more than 50 daycares. With current resources, the company can deploy four of them immediately.

Funding will scale the technical, operational and onboarding capacity needed to quickly integrate the four remaining already-secured partners, then accelerate subsequent rollouts.

The investment funds neither the creation of the market nor the search for initial customers. It converts already-secured demand into transactional revenue and turns a technology and financial lead into a durable commercial lead.
15

Funding sought

EcoTech presents three funding scenarios, each structured over five monthly disbursements.

ScenarioTotal investmentDisbursement over 5 months
Initial deployment$150,000$30,000 / mois
Acceleration$250,000$50,000 / mois
Full deployment$500,000$100,000 / mois

This structure aligns capital paid in with the growth of execution capacity and deployment progress.

Proposed allocation

AllocationPercentage
Commercial deployment, onboarding and support70 %
Product and financial infrastructure12 %
Legal, compliance and marketing5 %
Operational reserve13 %
Total100 %
The majority of capital is directly dedicated to scaling execution capacity and converting already-secured partners into active institutions, transactions and revenue.
16

Deployment targets, market penetration and value creation

This section directly links deployment targets to GMV processed, targeted market share and potential value created.

From today’s network to the M6 targets

Growing from 2,350 to 42,500 meals per day relies first on the deployment of the eight already-secured caterers, representing about 100 schools and more than 50 daycares, then on setting up a direct sales force capable of continuously feeding the network.

With $150,000 in funding, EcoTech will deploy a sales force capable of signing at least five new caterers per month.

With $250,000 in funding, EcoTech will scale its commercial capacity and reach at least ten new caterers signed per month.

With $500,000 in funding, EcoTech will deploy an expanded sales force and reach at least fifteen new caterers signed per month, on top of the eight already-secured partners.

Every new caterer simultaneously adds its schools, its daycares and its transaction volume to the EcoTech infrastructure. Funding therefore does not create demand — it immediately scales the commercial, operational and technical capacity needed to convert that demand into deployments and transactional revenue.

The following projections correspond to the full $500,000 funding scenario.

All projections use a conservative uniform basis of $7 per meal over 180 days. This method does not count daycares’ additional operating days (261 days) and deliberately understates their annual contribution to GMV.

Scenario Horizon Schools Daycares Meals / day Annualized GMV Equivalent valuation FinTech margin annualisée à 2,8 % Share of combined Quebec TAM Canada TAM
Minimum M6 500 500 42,500 $53.55M ≈ $82.25M $1.50M 4.44% 0.87%
Realistic M6 750 750 63,750 $80.33M ≈ $122.41M $2.25M 6.66% 1.30%
Minimum M12 1 000 1 000 85,000 $107.10M ≈ $162.58M $3.00M 8.87% 1.73%
Realistic M12 1 500 1 500 127,500 $160.65M ≈ $242.90M $4.50M 13.31% 2.60%

Valuation perspective

At the Seed stage, the value of a FinTech in deployment rests first on the GMV it controls, its growth and the strength of its infrastructure, rather than on current profit. For EcoTech, valuation rests on three distinct components: technology infrastructure and intellectual property, the parent-facing SaaS layer, and the FinTech layer built on the GMV under control.

Current valuation basis

Valuation driverValue
Technology infrastructure and intellectual property$1,050,000
Parent-facing SaaS$875,000
FinTech / GMV adjusted to 2,350 meals per day$4,733,894
Total adjusted valuation$6,658,894

EcoTech’s current adjusted valuation is therefore approximately CAD $6.66M.

Les valorisations équivalentes du tableau appliquent une valeur de 1,5× au GMV projeté, puis ajoutent les valeurs actuelles de l’infrastructure technologique, de la propriété intellectuelle et du Parent-facing SaaS.

One province is enough to prove scale

Quebec has approximately 678,675 children in preschool and elementary school, plus 279,092 children in childcare services.

The combined Quebec TAM therefore represents 957,767 potential meals per day.

The combined Quebec TAM covers all children in preschool, elementary school and childcare services.

The minimum target of 42,500 meals per day at M6 represents 4.44% of the combined Quebec TAM. At M12, the minimum target of 85,000 meals per day represents 8.87%.

A single province is enough to prove the model. Canada scales it up.

Low penetration is enough to reach massive scale

The first Canadian transactional market represents up to 4.9 million meals per day and $6.70B in annual GMV.

Part du Canada TAM Meals / day Annual GMV at $7 Equivalent valuation
1 %49,000$67.0M≈ $102.43M
5 %245,000$335.0M≈ $504.43M
10 %490,000$670.0M≈ $1.01B
At just 1% of its first Canadian market, EcoTech is already approaching 50,000 meals per day and an equivalent valuation of more than $102M.
At 10%, EcoTech processes $670M in annual GMV and crosses an equivalent valuation of $1B.

An infrastructure designed to replicate itself

EcoTech starts in Quebec and Ontario, then deploys the same infrastructure across other provinces, Canada and new countries.

Local rules, partners and providers change. The family account, the vertical products and the financial engine remain the same.

Quebec proves the model. Canada scales it up.
One province at a time. One country at a time.

These projections cover the initial deployment of meals and daycare. They do not include transactions produced by the other EcoTech verticals or by international expansion.

EcoTech Système et EcoLunch

Conclusion

EcoTech does not have to replace a central infrastructure that is already in place. That infrastructure does not exist in the 0–12 ecosystem.

Families already pay for meals, childcare, school, camps and recreation. Providers already deliver those services. But no shared system today connects family identity, operations, payments, credits, refunds, payables and payouts across all of these verticals.

Each player uses partial tools, isolated within their own sector. Families, providers and institutions stay separated inside systems that do not talk to each other.

EcoTech does not arrive to displace an existing complete solution. It arrives into a structural void with the infrastructure the entire ecosystem was missing.

EcoTech transforms every fragmented vertical into a complete operational and financial product, then connects it to the same permanent family account and the same financial engine.

Providers reduce their costs and their administrative load. Every new vertical adds providers, institutions, families, transactions and GMV to a central infrastructure that is already built.

EcoTech is not a platform that bundles existing services. It is the first infrastructure able to give a shared structure to the entire 0–12 ecosystem, without stripping any vertical of its depth or its autonomy.

Investment now serves to deploy this infrastructure, densify the network and quickly occupy a market space that has never been structured.