GYC Commercial Financing
Two companies, one point of contact for you. Here's exactly who does what.
How the partnership works
Giving You Credit
Giving You Credit operates the GYC Commercial Financing customer-facing service — your point of contact, application intake, and ongoing relationship.
Chris Hicks
Chris Hicks is affiliated with Soluco Financial Group Inc. to generate and assist with commercial and business-financing applications on GYC's behalf.
Soluco Financial Group
Soluco and its applicable financing partners provide or arrange the underlying financing options. Soluco is a separate company from Giving You Credit.
One relationship. More financing options. GYC Commercial gives you a single point of contact while Soluco connects your request with its network of financing partners.
WHY GYC
Working with GYC Commercial Financing
One point of contact
Acquiring or refinancing equipment, managing working capital, or financing a commercial vehicle to keep operations moving.
Access to Soluco's network
Reach more than 25 financial partners across Canada through Soluco Financial Group Inc., without applying to each individually.
Dealer & vendor experience
GYC's existing dealer and vendor relationships inform how we support commercial financing applicants.
Your Team
Chris Hicks & Todd Bailey
Chris Hicks
SPECIALIST
Commercial Finance
— Western Canada
Chris Hicks has spent more than 25 years helping consumers, dealerships and businesses find financing solutions when the obvious answer isn't always the right one.
Known throughout his network as “The Credit Guy,” Chris has built his career around credit, sales, lending and finance, with extensive experience in automotive and non-prime financing. His background also includes consumer and commercial collections, giving him a unique understanding of credit from both the lending and borrower perspectives.
As Founder and CEO of Giving You Credit Financial Services Inc., Chris has worked with consumers, dealerships and lending partners across Canada, developing a reputation for finding solutions to challenging financing situations and building long-term relationships throughout the automotive and financial-services industries.
But Chris has never viewed financing as simply getting an application approved.
His philosophy is about understanding what the client is trying to accomplish, then finding the financing structure and lending partner that makes the most sense. That approach ultimately led to the expansion of Giving You Credit into commercial financing and leasing.
Today, through GYC Commercial Financing and Soluco Financial Group, Chris works primarily with businesses throughout Western Canada, providing access to a broad network of commercial lenders and financing solutions including equipment financing and leasing, working capital, commercial vehicle financing, refinancing and other business-financing solutions.
Chris also works closely with equipment sellers, dealerships, referral partners and other professionals to help their customers access financing—allowing GYC to become an additional financing resource rather than simply another lender.
After more than two decades in finance, Chris still believes the most valuable part of the business isn't a particular product or program. It's knowing the client, knowing the lenders, and knowing how to bring the two together.
You have an accountant. You have a lawyer. Now you have a Finance Guy.
Todd Bailey
SPECIALIST
Commercial Finance
— Eastern Canada
Todd Bailey brings more than 20 years of experience in financing, lending, automotive and business ownership to his role as Commercial Finance Specialist for Eastern Canada.
Todd spent approximately a decade in the mortgage industry, working with TD Bank and RBC, where he developed extensive experience helping clients navigate lending and financing solutions.
Before entering the mortgage business, Todd managed the Finance Office at West Country Auto Sales, eventually becoming a major shareholder in the dealership. His entrepreneurial journey later took him to Alberta, where he purchased an acreage and founded Foothills Truck Sales and Service.
At Foothills, Todd worked extensively with hard-working entrepreneurs, tradespeople and business owners, supplying the heavy-duty trucks they relied on to operate and grow their businesses. The company later expanded into equipment sales and rentals, giving Todd firsthand experience with the vehicles, equipment and capital needs that drive Canadian small businesses. That combination of lending expertise and real-world business ownership gives Todd a unique perspective: he understands commercial financing from both sides of the desk.
Today, Todd is proud to once again call Nova Scotia home, bringing his extensive mortgage, financing and leasing experience to GYC Commercial Financing and Soluco Financial Group, with a focus on helping businesses throughout Eastern Canada access the capital, equipment and financing solutions they need to grow.
Because sometimes the best person to help finance your business is someone who's actually built one.
