📊 INDEPENDENT BANKING CONSULTANTS — SURREY, BC

Established in 2021. Zero bank commissions. Zero conflicts of interest.

$4.7M

in documented annual savings across our client portfolio — because banking doesn't have to be opaque, and your fees shouldn't be either.

BEYOND BANKING ADVICE: HOW WE ENGINEER CLARITY FOR $4.7M IN CLIENT SAVINGS

We advise businesses, municipalities, and credit unions on both sides of the banking relationship — the lender's credit decision framework and the borrower's operational reality. That dual perspective, led by a team of four specialists with backgrounds in military engineering, commercial credit analysis, regulatory law, and fintech product management, produces sharper advice for everyone involved.

Let's Figure This Out Together

Fixed-fee engagements. Written scope before any work begins. Friday status reports at 4:00 PM — always.

MEASURABLE OUTCOMES FROM REAL ENGAGEMENTS — NOT PROJECTIONS

How much is your current banking relationship actually costing you? Here's why that matters — these are real figures from real engagements with businesses, municipalities, and credit unions across British Columbia and beyond. Every number below is documented, auditable, and drawn from our post-engagement reporting since we opened our doors in September 2021.

91%

Client Retention Rate

Percentage of clients who return for subsequent engagements within 24 months — measured by repeat engagement contracts, not satisfaction surveys alone

$4.7M

Annual Client Savings

Aggregate fee reductions, rate improvements, and operational efficiencies identified since 2021 across commercial lending, treasury, and banking relationship audits

100%

Written Operations Orders

Every engagement — without exception — begins with a documented scope, timeline, and deliverable list. No ambiguity, no scope creep, no surprises at invoicing

Net Promoter Score

Industry average for consulting firms sits at 38. Ours is 78. Measured via post-engagement surveys sent to every client — not cherry-picked reviews.

THE FIVE-STEP FRAMEWORK THAT TURNS BANKING COMPLEXITY INTO CLEAR ACTION

Ever wonder what happens between signing an engagement letter and receiving your final deliverable? Think of it this way — our founder Marcus Devereaux adapted the Canadian Armed Forces operational planning framework for consulting. The same discipline that coordinates a battalion-level operation in Latvia turns out to be remarkably effective at untangling a $185M commercial credit portfolio. Here's the sequence.

01 📋

SITUATION BRIEF

We map your current banking landscape — every account, every fee, every covenant, every relationship. For a commercial client, that means pulling every credit agreement, fee schedule, and treasury service contract into a single consolidated view. For a credit union, it means walking the floor, interviewing staff, and timing actual processes from application intake to funding. No assumptions. No shortcuts. This phase typically takes 3–5 business days and forms the foundation for everything that follows.

02 🎯

MISSION DEFINITION

The written operations order goes out. You see the situation assessment, mission statement, execution plan, logistics, and communication schedule before any billable work starts. This document — typically 8–12 pages — defines exactly what we're doing, what you'll receive, when you'll receive it, and what it costs. If the scope doesn't match your expectations, we revise it until it does. No engagement proceeds without mutual sign-off on this document.

03 ⚙️

EXECUTION

The analytical work begins. Financial models, regulatory analysis, process maps, benchmarking data — built by specialists who know the territory. Priya Chandrasekaran handles covenant reviews and term sheet analysis with the precision of someone who spent four years on the other side of the table at Coast Capital Savings. Derek Okafor runs regulatory gap analyses referencing current OSFI guidelines. Tomás Arriaga evaluates core banking vendors using a 42-criteria framework he built during five years at Finastra. Every model ships with its methodology visible — no black boxes.

04 📡

FRIDAY SITREPS

Weekly situation reports land in your inbox by 4:00 PM Pacific. Whether there's breaking news or routine progress, you never have to chase us for a status update. Each SITREP follows a consistent format: work completed this week, work planned for next week, risks or blockers identified, and decisions needed from you. This discipline — adapted from military communication protocols — means you always know where your engagement stands. As Martin Beaulieu of Meridian Pacific Properties put it: "In twenty years of hiring consultants, that's a first."

05 🔍

AFTER-ACTION REVIEW

Every engagement concludes with an honest debrief: what worked, what didn't, what we'd change. These aren't performative exercises — they produce real changes to how we operate. Our internal lessons-learned database has over 200 entries, and it's referenced before every new kickoff. If we made a mistake, you'll hear about it from us first. If you experienced friction in the engagement process, we want to know — and we'll document the fix so it never happens again.

See How This Process Applies to Our Six Services

BEYOND LOYALTY: HOW WE RECOVERED $127,000 FOR A CITY THAT WASN'T LOOKING

CITY OF LANGLEY — MUNICIPAL TREASURY ADVISORY

THE PROBLEM

11 years. Same bank. Same agreement. Never reviewed. The Director of Finance suspected the municipality was overpaying for cash management, payroll processing, and investment custodial services — but with a ~$90M annual operating budget to manage and a lean finance team, there was no capacity to benchmark fees against comparable municipalities or run a formal RFP process. The banking relationship had been on autopilot since 2010, and nobody had questioned whether the terms still reflected market reality.

THE APPROACH

We benchmarked fee structures against four comparable BC municipalities (population 25,000–40,000), drafted the RFP from scratch, established evaluation criteria weighted toward service quality and transition risk (not just price), and facilitated the committee's review of three proposals. The entire RFP management process — from initial benchmarking through committee recommendation — took 12 weeks. The incumbent bank and two competitors submitted proposals, and the evaluation committee scored each against 28 weighted criteria.

THE RESULT

The incumbent bank submitted a substantially improved offer — $127,000 in annual fee reductions (34%) and electronic payment integration eliminating ~3,200 paper cheques per year. The City kept their bank — but from a position of informed negotiation rather than institutional inertia. The fee savings alone paid for EasyWeb's engagement fee more than four times over in the first year.

"We brought EasyWeb in expecting them to tell us to fire our bank. Instead, they helped us understand what we were actually entitled to ask for."

Nina Petrovic — Director of Finance, City of Langley

Read All Five Case Studies

SIX CONSULTING SERVICES BUILT TO ANSWER QUESTIONS YOUR BANK WON'T

Each service addresses a specific, recurring problem we kept encountering in client engagements. Whether you're a mid-market business trying to decode a covenant package, a credit union losing members to friction, or a municipality that hasn't tested the banking market in a decade — there's a structured engagement designed for your situation.

💰 Commercial Lending Advisory

Term sheet analysis, covenant review, lender comparison, and negotiation support for businesses carrying $5M–$200M in commercial credit. Our flagship service.

🔍 Banking Relationship Audits

A structured review of your entire banking ecosystem — accounts, fees, credit facilities, treasury services — with a prioritized report and estimated savings calculation.

⚙️ Credit Union Optimization

Process mapping, benchmarking, and workflow redesign for credit unions. We cut Fraser Valley Agricultural CU's lending turnaround from 47 to 22 days.

🔒 Regulatory Compliance Advisory

OSFI guideline interpretation, FINTRAC AML/ATF compliance reviews, and PIPEDA-aligned data governance. Led by Derek Okafor, CAMS, LL.B.

📑 RFP Management

End-to-end RFP management for municipal, institutional, and nonprofit banking services. Drafting, evaluation criteria, submission management, and committee facilitation.

💻 Digital Banking & Core Systems

Core banking migrations, vendor evaluation, open banking readiness, and digital channel strategy. Led by Tomás Arriaga, M.Sc., former Finastra Product Manager.

Explore All Services & Case Studies or Personal Banking Advisory

BEYOND PROMISES: HOW SKEPTICS BECAME ADVOCATES

What convinced people who don't give praise easily? These testimonials come from CEOs who've been signing banking renewals for decades, CFOs who've hired dozens of consultants, and board treasurers who thought banking consulting was a waste of money — until they saw the results. Every quote is from a post-engagement survey or written client communication, attributed with permission.

Marcus and his team sat across the table from our board and explained in forty-five minutes what our credit agreement actually says. I've been signing renewals for nine years and nobody — not our banker, not our accountant — had ever walked us through the covenant package in plain language. We renegotiated two restrictive covenants and saved ourselves a compliance headache that was about to become very expensive.

Glen Lawson — CEO, Hargrove & Sons Construction Ltd.

We brought EasyWeb in expecting them to tell us to fire our bank. Instead, they helped us understand what we were actually entitled to ask for. The RFP process they ran forced our incumbent to submit a real proposal for the first time in a decade. We saved $127,000 a year and didn't have to change a single account number.

Nina Petrovic — Director of Finance, City of Langley

The core banking evaluation Tomás led was the most organized technology selection process I've seen in twenty years of credit union management. Forty-two criteria, weighted, with reference checks. Our board approved the recommendation unanimously — that never happens.

Robert Fung — CEO, Pacific Rim Credit Union

We were running a $320K-a-month SaaS company out of a personal chequing account. I'm embarrassed to say it, but nobody had ever told us there was another way. Priya built us a banking requirements document that made us look like we actually knew what we were doing when we walked into those meetings. Our new commercial banker told us it was the most thorough client intake package she'd received from a company our size.

Dr. Amara Singh — Co-Founder, Cascadia HealthTech Inc.

What I appreciated most was the Friday updates. Every week, 4:00 PM, an email with exactly where things stood. No chasing, no wondering, no 'we'll get back to you.' In twenty years of hiring consultants, that's a first.

Martin Beaulieu — CFO, Meridian Pacific Properties Ltd.

I'll be candid — when our board chair suggested we hire a consultant to teach us about banking, I thought it was a waste of money. We've been banking for forty years. Then Marcus walked us through how our covenant package actually worked, and three board members turned to me and asked why we'd never reviewed this before. The banking literacy workshop was the most productive half-day our board has spent in the five years I've served as treasurer.

Angela Whitford — Board Treasurer, Fraser Valley Community Foundation

WHO HIRES AN INDEPENDENT BANKING CONSULTANT?

More organizations than you'd expect — once they realize the option exists. We work with clients across British Columbia, Washington State, and virtually across Canada from our headquarters in Surrey, BC.

BUSINESSES & COMMERCIAL BORROWERS

Mid-market companies carrying $5M–$200M in commercial credit who want someone in their corner during lending negotiations, covenant reviews, or banking relationship audits. Construction firms preparing for ownership transitions. SaaS companies that outgrew their consumer chequing accounts. Real estate developers managing multiple banking relationships with conflicting covenant structures.

If you've ever wondered whether your banking terms were negotiable — or whether your covenant package contains a clause that could create problems during a downturn — our commercial lending advisory was built for you.

INSTITUTIONS & MUNICIPALITIES

Credit unions optimizing member-facing processes and evaluating core banking platforms. Municipalities running competitive RFPs for banking services after years (sometimes decades) of unreviewed agreements. Nonprofits, hospitals, and universities seeking transparent fee structures. Financial institutions themselves, looking to improve how they serve commercial and institutional clients.

We advise both sides of the banking relationship. That dual perspective — understanding the lender's credit decision framework and the borrower's operational reality — is what makes our recommendations sharper than what either side could develop alone.

WHAT IS YOUR BANKING RELATIONSHIP ACTUALLY COSTING YOU?

Most businesses we audit discover $50,000–$200,000 in annual savings or improved terms they didn't know were available. A 30-minute conversation costs nothing. The status quo might be costing six figures.

Call (617) 272-9375 or fill out the form below. We respond within one business day — and yes, you'll hear from an actual person, not a chatbot.

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Fixed-fee engagements · No bank commissions · Written scope before work begins

13007 107A Avenue, Surrey, BC V3T 0R3 · Monday–Friday, 8:30 AM – 5:00 PM Pacific