David
Tonoyan

David Tonoyan is the Founder and CEO of FinTurf, a leading point-of-sale financing platform that connects home improvement contractors and service providers with a network of independent lenders, enabling consumers to access flexible payment options at the time of purchase. Founded in 2017 and headquartered in Glendale, California, FinTurf has become one of the most innovative fintech platforms serving the home improvement, medical, and retail industries. David built FinTurf with a clear vision: to make financing accessible, affordable, and seamless for both merchants and consumers. The platform facilitates the entire financing process from application to funding disbursement, offering a multi-lender waterfall algorithm that automatically routes consumer applications through a network of lending partners to maximize approval rates. In home improvement verticals like HVAC, roofing, and windows, FinTurf's network has achieved approval rates of up to 84% — significantly higher than single-lender solutions. FinTurf's product suite includes point-of-sale consumer financing, buy now pay later options, lease-to-own programs, split payments, installment loans, and low APR financing. The company's Lending-as-a-Service (LaaS) solution, launched to industry acclaim, enables financial institutions to enter the point-of-sale lending space using FinTurf's end-to-end technology infrastructure — including real-time credit decisioning, portal-based customizations, and complete reporting dashboards. Under David's leadership, FinTurf has built an impressive network of lending partners including Upgrade (financing up to $100,000 with terms up to 15 years), Watercress Financial, Sunnova (energy-efficient home improvement financing from $500 to $250,000), and TGUC Financial (deploying over $300 million in capital for home improvement loans). The platform also partnered with Cion Digital to provide cryptocurrency financing options to merchants and consumers. Prior to FinTurf, David founded dot818, a technology and digital services company. He attended the University of Southern California and is based in the Los Angeles area. David has built FinTurf with a lean, high-performance team that punches well above its weight in the competitive fintech landscape, competing against well-funded rivals while maintaining profitability and rapid innovation.