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Natalie Wawzonek, CAEF Co-Founder & COO

Mrs. Wawzonek is co-founder of CapitalNow USA. and has fifteen years of Asset Based Lending experience. Mrs. Wawzonek has been involved in all areas of the factoring business including the day-to-day operations of the business such as administrative duties, funding, client retention, investor relations and financial duties. She has been instrumental in the development of best practices, deal flow, and customer service. Mrs. Wawzonek was previously a sales executive and has won multiple awards for excellence in sales. She is certified as a Factoring Account Executive by the International Factoring Association.

Gerry Wawzonek, CAEF Co-Founder & CEO

Mr. Wawzonek graduated from the University of Guelph with a Bachelor of Arts Degree. He was a registered mortgage broker agent for Axcess Capital Partners, HSBC, and CIBC over a 15 year period. In 2007, Mr. Wawzonek founded CapitalNow USA. (formerly PGV Inc.) and has acted in all aspects of the factoring business, including underwriting, funding, administration, collections and investor relations. Mr. Wawzonek’s position involved the establishment and revision of all corporate documents, development of best practices, implementation of industry specific software and automating the banking process. Since 2015, Mr. Wawzonek has been certified as a Factoring Account Executive by the International Factoring Association.

Ivo Dumancic,

Director of Business Development

Mr. Dumancic has held senior roles in several organizations and has over 20 years of experience helping small, medium, and large businesses achieve their goals. In his time with CapitalNow USA Mr. Dumancic has been involved in most aspects of the factoring business from customer acquisition though underwriting to client account management. 


Mr. Dumancic has won multiple President’s Club awards for excellence in business development and account management and has a successful track record in consistently exceeding business objectives.

Art Smith,

Vice President, Corporate Strategy & Business Development 

Mr. Smith has over 15 years of executive leadership experience in corporations. He has extensive industry experience in utilities, manufacturing, oil and gas and technology working for corporations like TransCanada, Northern Telecom, Cortex Business Solution and others. In his last executive role, he grew a small start-up into an industry leading publicly traded technology service company in North America. Throughout his career, Mr. Smith has been recognized for delivering business results by leading people, sales, delivery, technology, capital market, and operations.

CapitalNOWUSA was founded in 2018 with the primary goal of helping small and mid sized organizations  find capital to grow their businesses.


During their respective careers, the founders of CapitalNOWUSA, Gerry and Natalie Wawzonek started, owned and operated several businesses.  From these entrepreneurial experiences, they quickly discovered that small business owners and entrepreneurs have limited access to capital.  Businesses and their owners are regarded as high risk by traditional lenders and as a result, require brokers to obtain loans and mortgages in the secondary market.

Natalie and Gerry learned a great deal of what worked (and what did not) as entrepreneurs prior to founding CapitalNOWUSA . Through those experiences, they developed CapitalNOWUSA’s business model with the express goal of NOT doing it like everyone else. They saw a lot of things they did not like in the financial industry.  This led them to the conclusion that being different was not a luxury, but a necessity.

The Wawzonek's questioned every aspect of the business they were creating and how it should be executed. They decided that the approach was to be customer focused, principles based and firmly grounded in facts and common sense.

Since its inception, CapitalNOWUSA has worked with hundreds of clients and their customers to find capital to grow their businesses. CapitalNOWUSA 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.