• 709-570-0001
  • zhoward@fourportscapital.com
  • 197 Major's Path, St. John's, NL A1A 5A1

Who we are

We bring a combined 50+ years’ experience brokering, originating and underwriting commercial financing deals. Our background of industries serviced include: Fishery, Marine, Mining, Oil and Gas, Construction, Development, Real Estate, Manufacturing, Retail and Hospitality. As Managing Partner of Four Ports Capital, Zack Howard has originated and underwritten >$350M in commercial lending through senior lending roles with a top tier Canadian Financial Institution. Co-founders of Four Ports Capital include: Trevor Decker, Rick Young and Paul Pinhorn of the TriNav Group of Companies. TriNav has been a staple in the Atlantic Canadian and Eastern Seaboard marine and fishing industry for the last 20 years. Together we bring a “roll up the sleeves” entrepreneurial spirt and disciplined approach to helping clients.

Where we are

Four Ports Capital services all Atlantic Canada and all commercial industries that require financing, including real estate developers, investment property financing, hospitality, retail, professional services, fishery, mining, oil and gas, manufacturing, etc. We understand niche industries and work outside cookie cutter “fit in the box” requirements that most lenders operate under. We know some financing can be tricky and there is not a one shop fits all for a borrowers needs. That’s why our vast network of lenders including Banks, Credit Unions, Pension Funds, Private Lenders and specialty finance companies can provide a vast choice of options that borrowers may otherwise not know is out there.

Why we do it

As an accomplished finance professional, Zack Howard had sat on the lender side of the table for over 12 years, and he believed there was a better way for business owners to accomplish their financing needs. It became apparent that a lot of SME’s were un-serviced when it came to having their financing needs met. The Small Business Owner is the back bone of the Canadian Economy and we feel that financial institutions must work to earn their business, not the other way around. The game has changed, and business owners have numerous options for financing to best service their needs with flexible and efficient solutions. Four Ports Capital Inc. will facilitate this exchange of capital between lenders and commercial borrowers.

How we do it

The old-fashioned approach of picking up the phone or sitting down for a coffee with a potential client has never gone out of style and still holds true today as the best means to develop a relationship. This management team has utilized those simple skills for the last 25 years to develop the strong relationships they hold today. Doing what you say, and saying what you will do, a no BS approach. A lot of our clients we consider friends and that can only be achieved by building trust and understanding what matters to them. This is paramount to the Four Ports Capital Inc. business model, to understand the client’s business and the best lending options to meet their needs.

Refinance with our help.

Get the best financing with the most flexible terms and conditions with uncompromised service.


Contact Us

Zack Howard is a licensed Commercial Real Estate Agent with Royal Lepage Atlantic Homestead Inc.