Four services. Each one built to save you measurable money.

Every engagement starts with data — your actual fee schedules, transaction volumes, and account structures — not assumptions.

Beyond Account Juggling: How Treasury Management Optimization Puts Idle Cash to Work

Most businesses have money sitting in the wrong accounts — earning nothing, costing fees, and invisible to the people making decisions.

Think of it this way: if you had $50,000 sitting in a no-interest chequing account when it could be in a sweep arrangement earning even 2.5%, that's $1,250 a year — just from moving money you already have.

Here's why that matters: over the 4.2-year average client relationship, that single change compounds into over $5,000 in recovered value — and that's before we address fee restructuring.

What You Get

  • Complete treasury management plan delivered in an average of 2.3 business days
  • Account consolidation analysis — our median client reduces from 3.2 accounts to 1.8
  • Sweep and zero-balance account configuration recommendations
  • Fee schedule audit with line-by-line benchmark against 6 major Canadian banks
  • Deposit growth analysis with 12-month projection

Who This Is For

Companies with monthly deposits exceeding $25,000 who suspect — or know — their cash is underperforming.

Typical Outcome

$9,400 average annual savings — documented in your treasury management plan with a clear before-and-after comparison.

Get Your Treasury Assessment

Beyond Rate Shopping: How Merchant Services Consulting Saves 0.3% You Didn't Know You Were Losing

Here's a number that should bother you: 73% of the businesses we audit are overpaying on payment processing by at least 0.3%.

On $500,000 in annual card transactions, that's $1,500 — gone, every year, to a rate you signed up for when your business looked very different.

Think of it this way: payment processors don't call you when your volume qualifies you for a better rate — that's our job.

What You Get

  • Line-by-line audit of your current merchant services agreement
  • Rate benchmarking against 14 processors active in the Canadian market
  • Interchange optimization analysis — ensuring every transaction is routed to the lowest qualifying rate
  • Contract renegotiation or switch recommendation with projected savings
  • Implementation support — zero disruption to your sales flow

Who This Is For

Any business processing more than $10,000/month in card transactions — especially those who haven't reviewed their merchant agreement in over 18 months.

Typical Outcome

Average rate reduction of 0.38%, translating to $2,100–$7,800 in annual savings depending on volume.

Request a Merchant Audit

Beyond One-Size Banking: How Product Advisory Matches You With the Right 3 Products Out of 200+

Canada's major banks offer over 200 business banking products — chequing accounts, savings vehicles, credit facilities, foreign exchange tools, payroll platforms, and more.

Most business owners pick the first one their account manager recommends — which is usually the one with the highest margin for the bank, not the best fit for the business.

Here's why that matters: the wrong product combination creates hidden costs that compound monthly — an extra $80 here, a missed interest opportunity there — and after three years, you've quietly spent $8,000 more than you needed to.

What You Get

  • Product strategy roadmap — a prioritized list of exactly which products to use and why
  • Multi-bank comparison across RBC, TD, BMO, Scotiabank, CIBC, and National Bank
  • Fee projection model for each recommended product stack
  • Relationship manager introduction — we connect you with the right person at the right institution
  • Annual product review to ensure your stack evolves with your business

Who This Is For

Founders who are setting up their first business banking relationship — or established companies who haven't reviewed their product mix in over two years.

Typical Outcome

Average fee reduction of $4,200/year plus access to credit products and rates that clients didn't know they qualified for.

Get Your Product Roadmap

Beyond Spreadsheet Guessing: How Cash Flow Advisory Gives You a 14-Day Window Into Your Future

Most startups manage cash flow by checking their bank balance — which is like driving by looking in the rearview mirror.

Think of it this way: if you know — with 94% accuracy — what your cash position will be 14 days from now, you make fundamentally different decisions about hiring, purchasing, and investing.

What You Get

  • Custom 14-day rolling cash flow forecast model — built on your actual transaction patterns
  • Cash flow management advisory report with scenario modeling (best case, expected, worst case)
  • Accounts receivable timing optimization — reducing average days-to-payment
  • Accounts payable scheduling strategy — maximizing float without damaging vendor relationships
  • Monthly recalibration for the first 6 months, then quarterly

Who This Is For

Any company that has experienced — or fears — a cash crunch, or anyone whose current forecasting consists of "checking the balance and hoping."

Typical Outcome

31% improvement in cash flow visibility within 90 days, and a documented reduction in late-payment penalties averaging $3,200/year.

Start Your Cash Flow Model

Not Sure Which Service You Need?

Most clients start with a 30-minute discovery call — we'll identify which of these four areas has the largest immediate impact for your business, and you can decide from there.

Book Your Free Discovery Call