TELL US WHAT YOU NEED

A good banking relationship is valuable — and it's also worth stress-testing. Most businesses sign a credit agreement and never revisit it until renewal. Market conditions change, your business profile evolves, and new products become available. We regularly find $50,000–$200,000 in annual savings or improved terms for clients who assumed their banking was "fine." We're not here to blow up your existing relationship — more often, we help you get more out of it. Case in point: the City of Langley kept their incumbent bank and saved $127,000 a year — simply because they negotiated from a position of knowledge for the first time.

We work exclusively for the client engaging us. We don't accept referral fees, commissions, or compensation from any financial institution. Our revenue comes from consulting fees paid by our clients. This is non-negotiable — think of it this way: it's the only structure that keeps our advice clean. You can read more about our independence commitment on our About page, or in the disclosures at the bottom of every page on this site.

Most engagements are scoped as fixed-fee projects with clearly defined deliverables and timelines. We provide a detailed scope document — we call it an operations order — before any engagement begins, so you know exactly what you're paying for, what you'll receive, and when. For ongoing advisory (covenant monitoring, regulatory scanning), we offer monthly retainers. We don't bill hourly unless the client specifically requests it. Every fee is disclosed in writing before work starts. No surprises on the invoice — ever.

Yes, but here's why we'd start by asking whether you actually need to. Switching banks carries real transition costs and operational risk — payroll disruption, payment processing gaps, revised signing authorities, updated pre-authorized payment arrangements. Sometimes the better move is to renegotiate with your current institution from a position of knowledge. If switching is genuinely the right call, we manage the transition planning to minimize disruption. Our banking relationship audit is specifically designed to give you the data you need to make that decision objectively — not emotionally.

A banking relationship audit for a mid-size business typically takes 3–4 weeks. Credit union process optimization runs 6–10 weeks depending on scope. An RFP process for municipal banking services usually spans 10–14 weeks. Core banking vendor evaluation: 12–16 weeks. Personal banking advisory consultations are typically completed in 1–2 weeks. Every engagement starts with a timeline in the operations order, and we flag delays the moment they emerge — not at the end.

Absolutely. Our headquarters are in Surrey, but roughly 40% of our active engagements are fully remote. We travel to clients across British Columbia and Washington State for in-person work, and we serve organizations across Canada via secure video conference. Regulatory compliance advisory, covenant monitoring, banking literacy workshops, and commercial lending advisory all run seamlessly in a virtual format. Visit our Locations page for a complete breakdown of our service areas and how engagement geography works.

You'll know exactly who's on your team before the engagement starts — it's specified in the operations order. Our four-person team includes Marcus Devereaux (Founder & Principal Consultant, former Major, Royal Canadian Engineers), Priya Chandrasekaran (Senior Banking Analyst, former Coast Capital Savings credit analyst), Derek Okafor (Regulatory & Compliance Consultant, CAMS, LL.B), and Tomás Arriaga (Digital Banking & Fintech Consultant, former Finastra Product Manager). No junior associates handed the file after the sales meeting. The person you talk to in the initial call is the person doing the work.