Free tools built from 19 years of business banking data
Everything on this page is free — no email gates, no sales funnels — because 78% of our clients found us through someone we helped for free first.
Guides & Frameworks
The Startup Banking Setup Checklist
A 12-point checklist covering every banking decision a new Ontario business needs to make in the first 90 days — from account selection to merchant services to treasury structure.
Based on patterns from 142 startup engagements — the same checklist we use internally with new clients.
- Account type selection framework
- Fee negotiation scripts (yes, bank fees are negotiable)
- Merchant processor comparison matrix
- First-year banking budget template
14-Day Cash Flow Forecast Template
The exact spreadsheet model that 94% of our clients use — simplified for self-implementation with step-by-step instructions.
Takes about 45 minutes to set up the first time, then 10 minutes of weekly maintenance.
Get the TemplateBank Fee Schedule Decoder
A plain-language reference that translates the 23 most common line items on Canadian business bank fee schedules into actual English — including which 4 are almost always negotiable.
Read the Decoder2026 Merchant Processing Rate Benchmarks
Annual rate comparison across 14 payment processors serving Canadian businesses — updated every January from our client audit data.
Includes effective rate ranges by monthly volume tier ($10K–$25K, $25K–$100K, $100K+), interchange-plus vs. flat-rate analysis, and a decision matrix for choosing between processors.
This is the same data we use when benchmarking client rates during merchant services audits.
View the BenchmarksTreasury Management Self-Audit Worksheet
Answer 15 questions about your current banking setup and get an estimated annual savings range — the same questions we ask in the first 10 minutes of every discovery call.
87% of businesses who complete this worksheet discover at least one area of significant overpayment.
Start the Self-AuditDeposit Growth Analysis: A DIY Approach
How to project your deposit trajectory over 12 months — and why that projection matters for negotiating better rates and access to credit products with your bank.
Download the GuideQuarterly Workshops (Free, No Pitch)
Every quarter, we run a 90-minute banking workshop for founders at MaRS Discovery District in Toronto — 186 founders attended in 2024, and the feedback score averaged 4.7/5.
Q2 2026: Surviving Your First Year of Business Banking
Date: April 17, 2026 — 10:00 AM to 11:30 AM
Location: MaRS Discovery District, Toronto
For: Founders in their first 18 months of operation
Covers account selection, fee avoidance, and the three banking mistakes that cost early-stage companies the most money.
Q3 2026: Cash Flow Forecasting for Non-Finance People
Date: July 10, 2026 — 10:00 AM to 11:30 AM
Location: MaRS Discovery District, Toronto
For: Any business owner who forecasts cash by "checking the balance and hoping"
A hands-on session where you'll build your own 14-day rolling forecast using our template — bring a laptop.
Need Help That Goes Beyond a Template?
These resources cover the basics — but if your situation is more complex, a 30-minute discovery call will give you a clear picture of where the biggest savings are hiding.
Book a Free Discovery Call