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Hi everyone, my grandmother dealt with tinnitus for years and she could never really explain what caused it or what actually helped. From the way she described it, it seemed like she mostly just learned to live with it.

Recently I started reading more about tinnitus/hearing health and ended up going pretty deep into the research around different nutrients and supplements.

I’m planning to have her try a supplement that has a combination of the nutrients that I’ve been looking for and that have been studied in relation to hearing/ear health.

I’m not expecting some miracle cure and I know tinnitus is complicated, but I’m curious to see whether consistently taking them makes any noticeable difference for her. I’ll probably keep updating this subreddit as I go and share what I notice.

For people here who have tried supplements or other devices before, what have you tried and did you notice anything at all?

Before anything else, understand the macro backdrop, because it's the foundation this entire thesis sits on.

America has an affordability problem, and cars are at the center of it. New vehicle prices are up roughly 35-40% since 2019. The industry's answer has been stretching loans to 72 and 84 months, which lowers the payment but buries borrowers in interest and negative equity. Roughly 25% of new vehicles are leased, and that market is controlled by the manufacturers' own finance arms. Now look at used vehicles, a market more than twice the size in unit volume: used car leasing penetration is under 2%. It has been slowly climbing for a decade (0.5% in 2015 to roughly 1.7% now) and every structural force in the economy is pushing it higher. Leasing a used car cuts the monthly payment by $100-200 versus financing the same vehicle, requires less money down, and shields the customer from depreciation. As affordability pressure keeps building, used car leasing isn't a niche product. It's the release valve.

And AmeriTrust Financial Technologies is, to my knowledge, the only publicly traded pure-play on used vehicle leasing in North America. The only independent lender doing this at a national level. That's the setup.

Six months ago I wrote my first post on AmeriTrust when it traded at $0.06 and the entire debate was whether management could even restart the leasing platform. Since then I've posted updates at $0.10, $0.19 and $0.27, and each time the checkpoint I laid out was hit.

For anyone new, the full series:

1. The original thesis at $0.06: https://www.reddit.com/r/pennystocks/comments/1r3yxbj/the_billionairebacked_used_car_leasing_play_amtv/
2. Q1 proved the platform at $0.10: https://www.reddit.com/r/pennystocks/comments/1tqk92d/the_used_car_leasing_opportunity_nobody_is/
3. The ramp at $0.19: https://www.reddit.com/r/pennystocks/comments/1u7i18q/the_ramp_is_becoming_impossible_to_ignore_amtv/
4. The partnerships at $0.27: https://www.reddit.com/r/pennystocks/comments/1ux8e5d/they_just_landed_the_military_amtv_amtff/

Today the stock sits at $0.205, down from $0.28. And I want to be upfront about that, because I don't write these posts only when the chart is green. The price pulled back. The business did the opposite. Q2 results are out, and this is the quarter where the restart question officially died.

For what it's worth, I watch the order book daily, and right now there's a single bid at $0.205 worth roughly $350K sitting there soaking up whatever gets sold into it. Draw your own conclusions about who is accumulating while the impatient sell. My read: the fundamentals just had their best quarter in company history while the share price went the other way. That divergence is usually where the opportunity lives.

Let's get into it.

The quarter in two numbers

16 funded leases in Q1. 55 in Q2. That's up 244% quarter over quarter.

And here's the detail that makes it better, not worse: applications actually declined about 10% (1,430 to 1,285). Approvals declined too. Funded contracts still tripled. This wasn't growth from stuffing the top of the funnel. This was conversion and execution improving underneath. The look-to-book ratio management said would improve is improving.

The average amount financed also jumped from $88,059 to $115,593, up 31%. So they funded more than three times the leases at meaningfully larger contract sizes, while holding the line on credit: weighted average FICO of 737 at a 9.02% contract rate. Still firmly high-prime. They are not buying volume with weak paper.

The money followed

Lease origination income: $101,985 in Q1 to $330,515 in Q2, up 224%.

Contracted cash flows from funded leases: $1.78M in Q1 to $5.52M in Q2, up 210%. Combined, the first two quarters of originations have locked in roughly $7.3M in contractual cash flows over the lives of those leases. To be clear, that's not profit and it's not immediately recognized revenue. It's the future cash-flow base of the retained portfolio. That base is what compounds under the warehouse model, and it tripled in one quarter.

Total revenue: $547K to $885K, up 62% QoQ and 109% year over year.

Adjusted EBITDA loss: roughly $2.23M, an 18% improvement from Q1. Still losing money, no sugarcoating that. But the loss shrank while originations and revenue accelerated, which is the direction that matters.

Then July happened

This is the part of the release I'd frame if I could. CEO Jeff Morgan disclosed two things: July originations came in 38% above June, and AmeriTrust originated as much business in June and July combined as in all prior months combined.

Funded contracts increased sequentially every single month of Q2. So the trajectory is April < May < June, and then July jumped another 38% on top. The company hasn't disclosed exact monthly figures so I won't invent them, but the implication is simple: the Q2 quarterly numbers, as strong as they are, understate the run rate this company carried into Q3.

The ecosystem stopped being a slide and started being a business

Regular readers know I've been describing the three-subsidiary structure for months. Q2 is when all three showed up in the numbers at once.

AmeriTrust Financial originated the 55 leases. AmeriTrust Serves generated $362K in Q2 servicing income ($755K for the half), has now onboarded every lease customer onto its own platform, and management confirmed full in-house servicing capability. That's no longer a development project. AmeriTrust Auto did $192,518 in Q2, up roughly 269% from about $52K in Q1, from a division that didn't exist at the start of the year.

And Auto just got real teeth: AmeriTrust received both a Texas Dealer License and a Texas Lease Facilitator License. The dealer license lets them run vehicle remarketing and disposition in Texas and buy at wholesale dealer auctions. The facilitator license lets them act as the intermediary in the lease structure. Texas is one of the largest auto markets in America and it's their home base. This is the launchpad state, with expansion to follow as licensing allows.

They're already live, by the way. There are AmeriTrust vehicles listed on cars.com right now, roughly ten at last count, everything from ordinary SUVs to a Cybertruck and a Porsche 911 Turbo S. Remarketing moved from strategy deck to actual inventory.

The loop the model is closing: originate the lease, service it in-house, and when the vehicle comes back, remarket it for maximum recovery instead of dumping it at wholesale. The stated goal is higher remarketing revenue and lower cumulative net losses on the portfolio. And the newest wrinkle is that they plan to offer Serves plus Auto as a combined servicing-and-remarketing solution to outside lenders, meaning fees on portfolios AmeriTrust never funded. That's the capital-light layer of this story starting to form.

The street is starting to notice

Clarus Securities updated its coverage: Speculative Buy, price target raised to $0.30, valued at 20x EV against their 2028 adjusted EBITDA estimate. The target itself isn't what caught my eye. Two other things did.

First, Clarus noted the Texas licenses arrived earlier than their model assumed. They had penciled the dealer license for Q4 2026 based on Texas DMV processing times. It's here now, which they said gives them more confidence in their Q4 2026 and 2027 remarketing forecasts.

Second, Clarus expects a sale or securitization of the existing lease portfolio in Q4 2026, followed by expanded funding capacity, potentially through a larger Bank of Texas facility, additional banks, or institutional credit funds. Let me be crystal clear: that is an analyst expectation, not company guidance. AmeriTrust has not confirmed any securitization. But CEO Jeff Morgan has said the executive team is "actively engaged in discussions with multiple national financial institutions to expand our funding capacity while retaining servicing rights," and that last phrase matters. They want the capital AND the recurring servicing economics. If a portfolio sale happens, the cycle becomes: originate, season, sell, recycle capital, originate more, keep servicing everything. That's how a leasing platform escapes the gravity of its own balance sheet.

Funding capacity is the single biggest bottleneck between the current run rate and the big numbers. It's also the next major catalyst to watch.

Where this stands

Six months ago the question was whether AmeriTrust could restart the machine.

The machine is running. 16 to 55 leases. Origination income up 224%. Auto up 269%. July up 38% over June. Two national partnerships rolling out, one of which (Military AutoSource, signed July 8) contributed nothing to Q2 and only starts mattering now. Twelve dealer reps on the ground from San Diego to New York, with new hires appearing in Ohio and Boston since quarter end.

Q3 and Q4 answer the only question left: how fast can they make it go. And remember where this all started: a sub-2% penetrated market, sitting inside America's affordability crisis, with exactly one publicly traded pure-play positioned in front of it.

The price went from $0.05 to $0.28 to $0.205 while all of the above was published. I've been doing this long enough to know that gap doesn't stay open forever, in one direction or the other. I know which direction I'm positioned for.

Not financial advice. Long since $0.06 and holding. Do your own DD.

Three months ago I posted my original thesis on Ameritrust Financial Technologies when this was trading at $0.06.

https://www.reddit.com/r/pennystocks/comments/1r3yxbj/the_billionairebacked_used_car_leasing_play_amtv/

Twenty days ago I posted a follow-up when it hit $0.10 and the Q1 results confirmed the platform actually worked.

https://www.reddit.com/r/pennystocks/comments/1tqk92d/the_used_car_leasing_opportunity_nobody_is/

Today it trades at $0.19.

I'm not here to tell you to chase it. I'm here to tell you why I think the people paying $0.19 today aren't the ones who are late.

The hiring tells you everything

Companies don't hire like this when they're winding down. They hire like this when they're ramping up and know it.

Check LinkedIn right now. Three NEW postings, all live within the last week:

• Dealer Sales Manager — Los Angeles, CA (posted 6 days ago, actively reviewing applicants)
• Dealer Sales Manager — Miami, FL (posted 6 days ago)
• Funding Analyst — Fort Worth, TX (posted 22 hours ago)

LA and Miami. Two of the largest used car markets in the country. And a Funding Analyst at HQ in Fort Worth which tells you the deal flow coming through is starting to demand dedicated back-office capacity.

This comes on top of dealer reps already hired in Houston, DFW, Austin, Las Vegas, Detroit, Salt Lake City, and Oklahoma City over the past few months. Q1 filings confirmed salaries and wages grew by over $570,000 year over year. That's not bloat. That's infrastructure being built ahead of volume.

https://www.linkedin.com/company/ameritrustfintech/jobs/

They just updated the corporate deck and dropped a quiet nugget

The June 2026 deck includes something the February version didn't: a state-by-state breakdown of their dealer count across the country.

Look at the concentration. California has 131 dealers. Texas has 85. Florida has 73. The northeast corridor is showing numbers too. These aren't random. This is a map of where used car volume actually lives, and they're placing boots on the ground in exactly those markets.

700+ dealers. 42 states plus D.C. And they're still adding.

https://ameritrust.com/wp-content/uploads/2026/06/AmeriTrust-Corporate-Presentation-June-2026.pdf

Now let's run the math, because it matters

When AmeriTrust funds a lease, two things happen simultaneously.

First, they collect an upfront customer acquisition fee the moment the lease is approved and executed. Cash in the door, day one. Based on the numbers in Q1 — 16 leases generating $101,985 in origination income - that works out to roughly $6,000–$6,500 per lease in immediate upfront revenue.

Second, that same lease begins generating monthly rental payments that flow in as recurring revenue every single month until the contract matures.

So every lease is two things at once: an immediate cash event and a new recurring revenue stream added to the book permanently. And here's why that compounds: every month you originate new leases, you're not just earning that month's upfront fees - you're stacking a larger and larger base of monthly rental income underneath everything. Those first 16 leases alone have $1.78M in contracted future cash flows locked in over their terms.

Now here's the part that should make you stop and think.

In Q1, AmeriTrust received 1,430 applications representing approximately $56 million in potential funding opportunities. They funded 16 of them. Deliberately. Management made a conscious decision to accept only the absolute cream of the crop — weighted average FICO of 752, prime+ borrowers — to build a clean, institutional-grade portfolio from day one. The kind of portfolio that attracts large funding partners and securitization markets. The kind that gets you better credit facility terms as the book seasons.

That's not a funnel problem. That's strategy. They had the deal flow. They chose quality over quantity.

Now ask yourself: what happens when they widen the net even slightly? They're already sitting on a pipeline that dwarfs what they're funding. Moving the approval rate from roughly 1% of applications to even 3–5% doesn't require finding new customers, new dealers, or new markets. The demand is already there, sitting in the queue. The volume lever is almost entirely within their own control...

Then there's the third revenue stream that nobody talks about and that management itself said exceeded internal expectations.

AmeriTrust Auto generated $52,237 in its very first quarter of operation. From a standing start.

It facilitates vehicle sales, earns the net margin, sells protection products like GAP and wheel-and-tire coverage at the point of sale, and remarkets lease-return vehicles for its own portfolio and for funding partners. The 83% increase in gross revenue per vehicle versus wholesale wasn't a projection. That was the actual Q1 result.

A division that didn't exist six months ago, already generating real revenue, and now being actively expanded. That's a new capital-light margin business hiding inside a company the market is still pricing like a pre-revenue startup.

https://ameritrust.com/wp-content/uploads/2026/05/05.26.2026-AmeriTrust-Financial-Technologies-Consolidated-Q12026FS-Final.pdf

The balance sheet is cleaner than most people realize

Cash on hand: $35.8M CAD as of March 31, 2026.
Working capital surplus: $29.4M CAD.

The operating burn was approximately $4.7M in Q1 but over $1.4M of that went directly into purchasing leased vehicles, which is an asset on the balance sheet, not an expense in the traditional sense. The infrastructure investment is showing up as a cost today, but it's building a recurring revenue book that pays them back every single month.

https://ameritrust.com/wp-content/uploads/2026/05/05.26.2026-AMT-MDA-March-31-2026-Final.pdf

This has become a real ecosystem

Three subsidiaries. Three revenue streams. Each feeding the other.

AmeriTrust Financial is the origination engine. Proprietary platform plugged directly into RouteOne and Dealertrack - the two systems every franchised dealer in America already uses. Same-day funding. Side-by-side loan and lease decisions from a single application. This is the front door.

AmeriTrust Serves is the in-house servicing layer. Payment processing, collections, portfolio monitoring, loss mitigation - all built internally, not outsourced. This is genuinely rare in specialty finance. It gives AmeriTrust data and margin that competitors using third-party servicers simply don't have access to. It also earns servicing fees from external funding partners on portfolios it manages.

AmeriTrust Auto is the remarketing play. When a lease ends or a vehicle gets repossessed, instead of wholesaling at auction, AmeriTrust retails it direct-to-consumer online. Early testing already showed an 83% increase in gross revenue per transaction versus the wholesale alternative. It also sells ancillary protection products - GAP coverage, wheel and tire, lease wear - at the point of sale. That's an additional fee stream on every single vehicle transaction.

The flywheel: originate the lease, service it monthly, remarket the vehicle at end-of-life, sell the protection products along the way. The ecosystem captures value at every step of the automotive finance lifecycle. That's not a feature. That's a moat.

Retail is still largely in the dark

Search for AmeriTrust on Reddit. Search for it on X. You won't find much.

What you will find, if you look at the trading activity, is that the buyers accumulating at progressively higher prices have been institutional - not retail pumpers, not newsletter hype, not Discord alerts. Quiet, deliberate accumulation from people who've done the work.

There are no viral posts. No influencers. No trending threads. The story hasn't reached most retail investors yet. That's either a warning sign or an opportunity, depending on what the fundamentals say. I've laid out what I think the fundamentals say.

June 24. Mark it.

AmeriTrust is holding its Annual General Meeting on June 24 at 11:00 AM EST, virtually accessible to shareholders.

This is the first major opportunity to hear directly from management since the Q1 results dropped. The platform is live. The portfolio is growing. April nearly matched all of Q1 in a single month. New reps are hitting all over the country. The next chapter is finally here.

-

Not financial advice. Long and have been for years. Do your own DD.