March 12, 2026
We audited 89 business chequing accounts last year — and 71 of them were costing their owners between $800 and $2,400 more per year than necessary.
The problem isn't that founders pick bad banks — it's that the account they opened in month one rarely matches the business they're running in year three.
Here's a breakdown of the three most common mismatches we find, with real numbers from our 2025 client data.
Read the full analysis →
February 28, 2026
Every year, we compile rate data from the 14 payment processors we benchmark against during client audits — and 2026 brought some shifts worth knowing about.
The average effective rate for Canadian businesses processing $20K–$100K monthly dropped to 2.41% — but the spread between the cheapest and most expensive processor widened to 0.87%.
See the full benchmarks →
February 14, 2026
We built this model in 2018 after watching three clients in a row nearly miss payroll — not because they were broke, but because they couldn't see what was coming.
The 14-day rolling forecast isn't complicated — it requires about 45 minutes of setup and 10 minutes of weekly maintenance — but it changes how you make every spending decision.
Learn the methodology →
January 30, 2026
Bank fee schedules are — and this is putting it charitably — not designed for clarity.
Most are 8–12 pages of dense tables with terms like "per-item debit fee" and "excess transaction surcharge" that mean different things at different institutions.
We've decoded hundreds of these documents, and here's a plain-language guide to the 7 line items that actually matter — and the 4 that are almost always negotiable.
Read the guide →
January 15, 2026
We've worked with 42 pre-Series A companies in the last three years, and there's a pattern: the ones who set up their banking correctly before raising spend 60% less time on financial housekeeping during due diligence.
Here are the five decisions — ranked by dollar impact — that matter most.
Read the checklist →
December 20, 2025
After 19 years and 200+ treasury management engagements, the data is clear: three specific changes account for 72% of all savings we deliver.
None of them are complicated — the barrier is knowing to look for them in the first place.
See the top three →