Your banking setup is either fueling your growth — or quietly draining it.
Since 2007, PeakCreek Accounting Limited has helped 347 startups and emerging companies across Ontario restructure their business banking — saving an average of $18,200 per year in fees, lost interest, and misallocated cash.
Get Your Free AssessmentBeyond Generic Advice: How We Speak Your Language
Think of it this way — a restaurant, a SaaS startup, and a construction firm all walk into the same bank, and the bank treats them identically.
Here's why that matters: each of those businesses has wildly different cash flow patterns, fee exposures, and treasury needs — and the wrong banking setup costs real money every single month.
The Early-Stage Founder
You just closed a seed round — or you're bootstrapping with everything you've got — and your banking feels like an afterthought.
You're paying fees you don't understand on accounts you set up in a rush.
We've guided 142 founders through their first banking restructure, saving an average of $6,800 in year one alone.
The Scaling Company
Revenue is growing, your team is growing — but your treasury management hasn't kept pace with the complexity.
You're running payroll, AP, and AR out of the same account and losing visibility on cash position daily.
Our median scaling client sees a 31% improvement in cash flow visibility within 90 days.
The Established SME
You've been with the same bank for years — maybe since you opened your doors — and you suspect you're overpaying but don't know where to start.
87% of our SME audits uncover at least $12,000 in annual savings that the business owner had no idea existed.
Beyond Banking: How We Turn Overhead Into Advantage
Before PeakCreek
- Average of 3.2 unnecessary bank accounts per client
- $1,450/month in avoidable fees — quietly accumulating
- Cash flow forecasts built on guesswork and gut feeling
- Merchant processing rates 0.4% above market average
- Treasury management? "We'll get to it eventually."
After PeakCreek
- Streamlined account structure — average reduction to 1.8 accounts
- $18,200 average annual savings documented and tracked
- 14-day rolling cash flow forecast with 94% accuracy
- Merchant rates benchmarked and renegotiated every 18 months
- Treasury management plan delivered in 2.3 business days average
Beyond Products: How We Match Solutions to Your Actual Needs
Treasury Management Optimization
Stop leaving money idle in the wrong accounts.
Recapture an average of $9,400 per year in lost interest and fee overpayment through proper account structuring and sweep configurations.
See Full DetailsMerchant Services Consulting
Your payment processing setup is probably costing you more than it should — 73% of our new clients are overpaying by at least 0.3%.
We audit every line item, benchmark against 14 processors, and renegotiate or switch — with zero disruption to your sales flow.
See Full DetailsBusiness Banking Product Advisory
There are over 200 business banking products across Canada's major institutions — and picking the wrong combination is the most expensive mistake nobody talks about.
See Full DetailsCash Flow Management Advisory
Replace gut-feeling forecasts with a structured 14-day rolling model — the same methodology used by our 347 clients, with a documented 94% accuracy rate.
See Full DetailsBeyond Testimonials: How One Founder Saved $34,000 in 11 Months
Reduced our monthly banking overhead by 62% in the first quarter. PeakCreek found fees we'd been paying for three years that our own CFO missed. Already sent two portfolio companies their way.
— M. Chen, CEO, Series A SaaS Company, Toronto
Beyond Complexity: How We Make the First Step Simple
Most business owners put off a banking review because it sounds like a headache — here's why it doesn't have to be.
The 30-Minute Discovery Call
We ask about your current banking setup, monthly transaction volume, and biggest frustrations — no jargon, no pressure, no sales pitch.
By the end, you'll know whether a full review is worth your time — and we'll tell you honestly if it isn't.
The Banking Audit (2.3 Days Avg.)
We pull your fee schedules, analyze your account structure, benchmark your merchant rates against 14 processors, and model your cash flow patterns.
You receive a treasury management plan — a concrete, actionable document — not a vague set of recommendations.
Implementation + Quarterly Reviews
We handle the switching, negotiation, and restructuring — then check in every 90 days to ensure your setup keeps pace with your growth.
Our clients stay with us for an average of 4.2 years because the savings compound over time.
Your Banking Should Work as Hard as You Do
The average PeakCreek client discovers $18,200 in annual savings they didn't know they were leaving on the table — and the discovery call takes 30 minutes.
Book Your Free Discovery Call