Headquarters:

316, 5455 152 St, Surrey, BC

Year founded:

2006

Number of employees:

Phone:

236 202 0076

Email:

jenniferlowe@phlcapital.com

Website:

phlcapital.com

LinkedIn:

linkedin.com/company/phl-capital-corp

“Restructuring inherited and legacy positions is a particular strength of our firm because of our ability to carefully evaluate existing security positions”

Thomas Carhart, South Street Advisors LLC

PHL

Steve Ponte

Chief Executive Officer

Karmel Hasel

Chief of Staff

Aaron Duhra

Vice President, Sales and Origination

Leadership

Steve Ponte, who co-manages PHL and serves on the Lending Committee, provides over 15 years of combined financing, construction, and development experience. He is responsible for securing commercial and residential mortgages in addition to construction and development financing. Prior to joining PHL, he held various senior roles with TD Commercial Bank, focusing on their large commercial business segment. Ponte is the past president of the BC MIC Managers Association, whose membership includes some of British Columbia’s largest and most reputable mortgage investment corporations. He also serves on the board of directors for the Canadian Alternative Lenders Association.

Chief Executive Officer

Steve Ponte

Karmel Hasel is the chief of staff at PHL, driving operational innovation and strategic alignment across the organization. She advises executive leadership on enterprise-wide priorities while fostering a culture of continuous improvement through process optimization, technology adoption, and cross-departmental collaboration. Hasel champions streamlined workflows to enhance organizational efficiency. Her operational leadership spans HR strategy refinement, marketing oversight, and stakeholder engagement systems. Beyond optimizing internal processes, she orchestrates flagship corporate events and leads community initiatives as chair of The Lending A Hand Society.

Chief of Staff

Karmel Hasel

Aaron Duhra, vice president of sales and capital origination at PHL, has spearheaded strategic growth since joining in 2017 by leading business development and underwriting teams to drive cross-provincial expansion into Alberta and Ontario. A Simon Fraser University Business Administration graduate, he structures tailored private lending solutions while strengthening relationships with mortgage brokers nationwide. Duhra fosters a high-performance culture that synergizes risk assessment precision with market agility, enabling his teams to identify and capitalize on emerging opportunities. His leadership has been instrumental in scaling PHL’s operations, enhancing service delivery across Canada’s most dynamic real estate markets.

Vice President, Sales and Origination

Aaron Duhra

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Ravi Munday

Vice President, Investments

Ravi Munday is the vice president of investments and has been with PHL since 2015. He oversees and manages the quarterly share offerings and reports filed in accordance with the British Columbia Securities Commission, communicating with investors with any questions regarding their investment in PHL, and preparing portfolio reporting provided directly to the executive team. He has over 10 years of real estate experience in commercial financing, development, and construction. Munday holds a Bachelor of Commerce degree from the University of Northern British Columbia with a double major in finance and business administration.

Vice President, Investments

Ravi Munday

Quyen Vu

Vice President, Credit

Quyen Vu, vice president of credit at PHL, brings over a decade of financial leadership in credit strategy, risk management, and mortgage analysis, enhanced by experience in venture capital and micro-credit programs across Sri Lanka, Vietnam, and Malaysia. A Simon Fraser University Beedie School of Business graduate, he spearheads strategic growth through conservative lending frameworks and operational efficiencies that prioritize capital preservation. At PHL, Vu merges innovative solutions with insights from his non-profit background, driving sustainable practices that reinforce the company’s commitment to ethical finance.

Vice President, Credit

Quyen Vu

PHL was founded on the principle that everyone deserves access to reliable, transparent, and easy-to-understand real estate solutions. This foundational belief extends beyond our client relationships to how we nurture our team. At PHL, we cultivate a workplace where innovation thrives within a framework of mutual respect and collaboration. Our leadership team champions a people-first philosophy, recognizing that our greatest asset is our diverse team of professionals who bring rich experience from real estate, finance, and underwriting backgrounds. We prioritize creating meaningful career paths with continuous learning opportunities that enable our team members to grow alongside the company. Our work environment balances professional excellence with genuine care for personal well-being. We foster a culture where ideas are welcomed from every level of the organization, celebrating the entrepreneurial spirit that drives our industry forward. Our flat organizational structure ensures that every team member has direct access to leadership and can make meaningful contributions to company direction. We take pride in our commitment to work-life integration, offering flexible arrangements that acknowledge the full lives our team members lead outside the office. Regular team-building activities strengthen our collaborative spirit, while our transparent communication practices ensure everyone understands how their individual contributions connect to our shared vision. More than just a mortgage lender or investment firm, PHL is a community of dedicated professionals united by a commitment to integrity, excellence, and genuine care for both our clients and each other. Together, we're building something remarkable – a company where careers flourish and your legacy truly does start here.

“Our disciplined investment process helps position our clients to reap the benefits of rising securities markets at an appropriate level of risk”

Thomas Carhart, South Street Advisors LLC

Harpreet Tamber

Chief Financial Officer

Chris Lindsay, MBA

Chief Compliance Officer

Jennifer Lowe, CPHR

Director of People and Culture

Liane Brown

Partner

Harpreet Tamber is a seasoned financial professional with extensive expertise in corporate finance, financial reporting, and strategic leadership. As chief financial officer at PHL, he oversees robust financial strategies, ensuring sustained growth and profitability. With a strong background in leading organizations, including ICBC and Trez Capital, he brings over a decade of experience in driving financial excellence. A Chartered Accountant (CPA, CA) and Chartered Financial Analyst (CFA), he possesses a deep understanding of accounting, investment analysis, and alternative lending. Tamber’s leadership exemplifies a commitment to optimizing financial performance and delivering exceptional value to stakeholders in dynamic market environments.

Chief Financial Officer

Harpreet Tamber

Chris Lindsay is the chief compliance officer and a registered dealing representative. As CCO, he is responsible for the PHL’s compliance with the applicable securities regulations, the firm’s processes and procedures, AML, and communication with the UDP and board of directors. Lindsay has obtained his MBA from the University of Calgary, Haskayne School of Business, and is also a double graduate of the University of Alberta, with a bachelor’s degree in both arts and commerce.

Chief Compliance Officer

Chris Lindsay, MBA

Jennifer Lowe is the director of people and culture at PHL, a Chartered Professional in Human Resources (CPHR) with 20 years of experience shaping workplace cultures across construction, manufacturing, and restoration sectors. A BCIT graduate, she designs talent strategies that align leadership development and operational scaling with PHL’s growth objectives. Lowe’s expertise in equitable workforce practices, refined through roles in the restoration and construction sector, drives initiatives integrating continuous learning pathways and wellness frameworks. Her passion for cultivating exceptional employee experiences positions PHL as an employer of choice, fostering innovative workplaces where engagement and strategic vision converge organically.

Director of People and Culture

Jennifer Lowe, CPHR

Liane Brown is committed to representing individuals who have suffered serious personal injuries and to families who have suffered the loss of a loved one. Her practice concentrates on personal injury law, including accident benefits, motor vehicle collisions, medical malpractice, occupiers’ liability, product liability and wrongful death cases.

Partner

Liane Brown

Partner

Liane Brown

Ben Irantalab enjoys the complexities of personal injury litigation. His practice is exclusively devoted to representing clients with brain injuries, spinal cord injuries, and severe orthopedic injuries. For him, the cases that require special creativity and thinking outside the box are the most gratifying.

Partner

Ben Irantalab

On a larger scale, HSH handles class action and mass tort lawsuits representing groups of people injured by dangerous products, medications, medical devices, and negligent organizations. The HSH team is known for providing caring and attentive service to clients, and is proud of the firm’s excellent reputation within the legal and medical communities.

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“We will continue to strengthen our service proposition and customer experience as a key differentiator, as we build on the momentum we have achieved to date across multiple business lines and territories,” says McLean. “Our im is to continue to grow our market relevance and strengthen our partnerships with our strategic brokers as we expand our leadership position in key sectors. “We will also continue to invest in talent. We are committed to drawing from the broadest pools of talent, and to creating an environment that attracts and retains stellar employees. We recognise the importance of building teams that are diverse, collaborative, and innovative and are dedicated to cultivating a supportive and inclusive workplace culture in which all our employees can thrive.”

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Ben Irantalab

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Stephen Kerr

Chief Executive Officer, Asia

Nicki Dunn

Chief Client Officer

Nigel Cook

Chief Executive Officer, Singapore Head of Major Complex Loss, Asia

John Law

Chief Executive Officer, China

Alexa Tang

Chief Executive Officer, Hong Kong

Aldrin Wong

Chief Executive Officer and Managing Director, Malaysia

Andri Dirgantara

President Director, Indonesia

Pam Chhabra

Manager – Residential Strata

Adam Basaldella

Manager – Claims

Adam Basaldella

Manager – Claims

Nuts and bolts Along with extensive training in the algorithms used in South Street’s investment process, the firm’s analysts and portfolio managers are taught the fundamentals of business and financial analysis. While most firms are moving toward the use of third-party mutual funds and ETFs in portfolio construction, South Street possesses this research capability, and it also has the ability to identify undervalued investment opportunities that fit its clients’ financial picture. Carhart comments, “For instance, restructuring inherited and legacy positions is a particular strength of our firm because of our ability to carefully evaluate existing security positions.” What has inspired clients to remain with South Street for so long is the firm’s holistic approach that applies the same investment criteria to allocation decisions across multiple asset classes and security selection for equities, bonds, and other publicly traded instruments. The firm’s portfolios only hold individual securities that have been fully vetted and researched by its experienced investment team. Several algorithms are employed to identify purchase candidates in the yield, growth, and technology sectors. Depending on their income and risk profiles, clients often hold a variety of securities, from traditional common stocks and bonds to publicly traded master limited partnerships and gold-bullion-backed ETFs. “While securities are drawn from a universe of over 19,000 companies, we are a concentrated manager that typically holds 25 to 30 issues in our clients’ equity component,” says Carhart. “Candidates for in-depth fundamental business analysis must pass a set of rigorous screening criteria that have tended over time to be reliable indicators of future business and financial success.”

Meticulous onboarding The key building block in South Street’s process is earning the trust of all new clients by ensuring they and their advisors’ visions align. Early discussions focus on return expectations, income requirements, and risk tolerance. Carhart says, “Based on these conversations, we will model projected investment returns, income generation, and capital appreciation for a number of different portfolio mixes over a 10-year time frame. After further discussion, we agree on a set of guidelines that often are summarized in an investment policy statement. These guidelines are not static, but can change along with the client’s evolving financial picture.” Another fundamental of South Street’s approach is a give-and-take relationship between the firm and the client, which reinforces the trust critical to success. “In our view, talk about trust and personal relationships means little if a client doesn’t see market-beating gains in portfolio value over time. Our disciplined investment process helps position our clients to reap the benefits of rising securities markets at an appropriate level of risk,” says Carhart. Due to its longevity, record of success, and satisfied clientele, South Street is a firm comfortable in its own skin. Its team knows who they are and will continue to do so.

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“At the end of the day, many individual wealth managers tout personal service, custom portfolio management, and responsiveness, but few can match South Street Advisors’ record of wealth creation since its inception 26 years ago.”

Stephen Owen, South Street Advisors LLC