Business Owners Who Demand More: Banking Infrastructure That Matches Your Ambition

Since 2012, Thornbury Banking Ltd. has managed $780 million in commercial assets for 1,400+ businesses across Southern Ontario. Our team of 12 senior specialists — led by co-founders Marcus Thornbury and Elena Vasquez-Thornbury — delivers credit decisions in 7–12 business days, not the 42–60 day average at Big Five banks. 97.3% of our clients stay, year after year. That number is not an accident — it is the result of a relationship model built around direct access to the people who actually make decisions about your money.

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$780M+

Commercial Assets Managed

1,400+

Active Business Clients

97.3%

Client Retention Rate (3-Year)

7–12 Days

Average Credit Turnaround

Regulated. Certified. Trusted by 1,400+ Businesses.

CDIC Member
Canada Deposit Insurance Corporation

OSFI Regulated
Office of the Superintendent of Financial Institutions

SOC 2 Type II
Certified Information Security

FINTRAC Registered
AML/ATF Compliance

Mississauga Board of Trade
Regional Business Community

Every dollar you deposit is protected by CDIC insurance up to $100,000 per eligible deposit category. Our operations are governed by OSFI — the same federal regulator that oversees Canada's largest banks — and our digital platform, TBL Connect, holds SOC 2 Type II certification, independently audited annually. Full regulatory details are available in our Terms of Service.

Outcomes That Speak Louder Than Promises

Thornbury was the only bank where the person doing the pitch was the same person who would manage our account. Marcus sat on our production floor for three hours before discussing a credit structure. The $4.8 million revolving facility they structured around our actual receivables cycle changed how we manage cash flow. We are no longer turning down orders because we are waiting for a line increase. In eighteen months, our revenue grew 34% — and the facility scaled right alongside us without a single reapplication.

— Frank Alderman, CEO

Halton Precision Manufacturing Inc., Oakville, ON

$4.8M revolving facility structured to actual receivables cycle → 34% revenue growth in 18 months

Our previous bank offered us $250K with a full personal guarantee on a $3.8 million ARR business. Thornbury looked at our MRR, our churn metrics, and our contracted pipeline, and structured a $1.2 million revenue-based facility that grew automatically as our business grew. No other bank we spoke to had even heard of revenue-based lending for an IT services company in Canada. Elena and her team understood our model within the first meeting — they had already reviewed our publicly listed competitors before we walked in the door.

— Adrian Cross, Co-Founder & Managing Partner

NovaTech IT Solutions Inc., Mississauga, ON

Credit scaled from $250K to $1.2M based on MRR — zero personal guarantee required

Our existing bank told us it would take 14 to 16 weeks to process two separate applications. I nearly lost both deals. Thornbury treated the entire acquisition as a single portfolio transaction and got us a $2.65 million term sheet in 11 days. Both acquisitions closed a week early. They also structured the financing so that the cash flow from the first practice could service debt on the second — something our previous bank said was impossible. We have since acquired a third location with Thornbury handling the entire process.

— Dr. Amara Osei, DDS, Managing Partner

Meridian Dental Partners, Mississauga, ON

$2.65M term sheet delivered in 11 days — 3 practice acquisitions completed

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Solutions Engineered for Complex, Growing Businesses

Commercial Lending

A regional manufacturer was losing bids because their Big Five bank took 9 weeks to approve facility increases. We structured a $4.8M asset-backed revolving facility with dynamic borrowing base reporting — the facility adjusts monthly based on actual receivables and inventory levels, not static annual reviews. Approval-to-funding: 14 business days. Our commercial lending products include term loans from $250K to $15M, revolving credit facilities, bridge financing, and equipment financing with flexible amortization schedules tailored to your asset lifecycle.

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Revenue-Based Lending

An IT services company with $3.8M in ARR was offered $250K by their bank because they lacked hard collateral. We underwrote their MRR, contracted pipeline, and churn metrics, delivering a $1.2M facility that scales automatically with revenue growth. This lending approach is purpose-built for SaaS companies, managed service providers, subscription-based businesses, and professional services firms where recurring revenue is the real asset — not bricks and equipment. Facilities range from $500K to $5M with quarterly borrowing base recalculations.

Learn more about revenue-based lending →

Business Credit Cards

A multi-location dental practice was managing expenses across 5 locations with personal cards — no consolidated reporting, no rebate capture, and no visibility into spending patterns by location. We deployed commercial card programs with per-location controls, automated categorization, and rebate tracking integrated directly into their accounting platform. Result: $8,400 in annual commercial card rebate programs recovered, plus 12 hours per month saved on expense reconciliation. Cards support custom limits per employee, real-time alerts, and direct feeds to QuickBooks and Xero.

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Treasury & Cash Management

A hospitality group running 3 restaurant tills across 2 locations spent 8 hours per week on manual deposit runs and hand-entered reconciliation. We integrated TBL Connect with their Lightspeed POS for automated end-of-day reconciliation and same-day provisional credit. Commercial deposit account analysis identified $42,000 in improved daily investable balances through zero-balance account sweeping and optimized float management. Treasury services include concentration accounts, target-balance sweeping, and investment account integration for surplus cash positioning.

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ACH & Payment Processing

A logistics company processing payroll for 112 drivers needed automated EFT origination with dual-authorization controls and audit trails for DOT compliance. We integrated dual-authorization ACH processing directly into their existing payroll platform — no middleware, no separate portal. Administrative time reduced by 6 hours per cycle, with automated NACHA-format file generation and pre-submission validation that caught formatting errors before they reached the clearinghouse. We support same-day ACH, next-day EFT, bulk vendor payments, and customer debit origination.

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Cross-Border & FX

An aerospace parts manufacturer sourcing components from 4 countries was paying $1,400/month in retail FX spreads and wire fees through their consumer-grade bank account. We deployed automated hedging tied to invoice issuance — when a purchase order is confirmed, the FX position is locked in within 15 minutes. Trade finance documentation and purchase order financing cut cross-border costs by 61%. We support 28 currencies, forward contracts up to 24 months, and integrated trade finance facilities for letters of credit and documentary collections.

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TBL Connect — Built In-House, Not White-Labelled

Unlike most regional banks that license third-party digital platforms, TBL Connect is our proprietary system — designed, built, and maintained by our in-house development team in Mississauga. That means when you need a custom integration, you are not waiting for a vendor ticket to escalate through three companies. Our platform supports real-time cash positioning across all accounts and entities, automated zero-balance account sweeping, bulk payment file uploads (CSV, MT940, BAI2), and 40+ custom API integrations with platforms like QuickBooks Online, Xero, ConnectWise, Sage, and Lightspeed POS.

TBL Connect is SOC 2 Type II certified, with independent penetration testing conducted quarterly. New features ship weekly based on direct client feedback — not annual product cycles. Business account statements are generated in real time, not next-day batch. Multi-entity clients get consolidated dashboards with role-based access controls, so your CFO sees everything while location managers see only their accounts. Log in to your TBL Connect dashboard →

40+ API Integrations Weekly Deployments SOC 2 Type II 28 Currencies Real-Time Statements

Commercial Construction Loans

A civil engineering firm needed $3.8M in project-based revolving credit with accordion features to handle concurrent bids. We built milestone-based drawdowns tied to progress billings — funds are released as certified work is completed, reducing idle interest by up to 40% compared to lump-sum disbursement. Surety bonds are issued within a 5-day turnaround, with holdback management integrated directly into TBL Connect for real-time project-level reporting. Ideal for general contractors, developers, and trades with $2M–$25M in annual project volume.

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Commercial Vehicle Financing

A logistics company needed $2.1M for 34 EV delivery vans, but mainstream lenders discounted EV collateral by 40–50% due to uncertain residual values. Our team developed a custom valuation model incorporating fleet telemetry data, manufacturer warranty terms, and secondary market comparables — and financed the full fleet at Prime + 1.85% with a 7-year amortization. We finance commercial vehicles of all types: Class 1–8 trucks, specialty equipment, electric fleets, and mixed-use vehicle pools. Talk to us about fleet financing.

Learn more about vehicle financing →

Business Succession & Acquisition Lending

Ownership transitions are high-stakes and time-sensitive — a delayed close can collapse a deal. Thornbury structures acquisition financing as portfolio transactions, not isolated loan applications. Commercial loan proposals are delivered in days, not months, with integrated cash flow modelling that accounts for the combined entity from day one. We serve dental and medical practices, accounting and legal firms, franchise operators, and multi-unit businesses navigating generational transfers, partner buyouts, and growth-by-acquisition strategies. See how Meridian Dental Partners used this service.

Learn more about acquisition lending →

Explore All 10 Service Categories →

Why 97.3% of Clients Stay Year After Year

Most banks sell products. We build infrastructure around how your business actually operates. Here is what that means in practice — and why businesses with $1M to $50M in revenue choose Thornbury over institutions ten times our size. Learn more about our approach →

Your Banker Knows Your Name — and Your Business

Every Thornbury client is assigned a dedicated senior relationship manager who manages no more than 120 accounts. That means your banker has the time to understand your industry, your cash flow seasonality, and your growth plans. No call centres. No rotating contact points. The person who picks up the phone is the person who can approve your credit request. Our 12-person team includes specialists in manufacturing, technology, healthcare, construction, and professional services.

Decisions in Days, Not Months

Big Five credit decisions take 42–60 business days on average because your application moves through 4–6 approval layers, none of whom have met you. At Thornbury, credit decisions involve two people: your relationship manager and our credit committee chair. Average turnaround: 7–12 business days from complete application to term sheet. For existing clients with established credit history, renewals and increases are often completed in under a week. See our transparent pricing — no hidden fees, no surprises.

Technology Built for Business, Not Consumers

TBL Connect is not a consumer banking app with a "business" label slapped on it. It is a purpose-built commercial platform with real-time cash positioning, multi-entity consolidation, automated sweeping, 40+ API integrations, and bulk payment processing. Your accounting team gets direct data feeds into QuickBooks, Xero, or Sage. Your CFO gets consolidated dashboards across every account and entity. And because we build it in-house, custom integrations take days — not the months you would wait from a white-labelled platform vendor.

The Numbers Behind the Relationship

Commercial Assets Under Management

Active Business Clients

7–12

Days Avg. Credit Turnaround

Client Retention Rate (2023–2025)

Industry average credit turnaround at Big Five banks: 42–60 business days. Industry average client retention: 85–88%. Our stats are audited annually and reported in our Annual Transparency Report. Read what our clients say about these numbers on our testimonials page.

Ready to Switch? Join 1,400+ Companies Who Chose Thornbury

We are a small team — 12 people managing $780 million in commercial assets. That is deliberate. Every client relationship is managed by a senior banker who knows your industry, your cash flow cycle, and your name. Not a file number. Not a chatbot. Your first conversation is a free, no-commitment consultation where we review your current banking setup, identify where you are overpaying or underserved, and outline what a Thornbury relationship would look like — with specific numbers, not vague promises.

Free initial consultation
4.2-hour avg. response time
No application to start
No commitment required

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Or call us directly: (646) 964-8887 · [email protected]

Business Owners Who Demand More: Banking Infrastructure That Matches Your Ambition

Regulated. Certified. Trusted by 1,400+ Businesses.

Outcomes That Speak Louder Than Promises

Solutions Engineered for Complex, Growing Businesses

Commercial Lending

Revenue-Based Lending

Business Credit Cards

Treasury & Cash Management

ACH & Payment Processing

Cross-Border & FX

TBL Connect — Built In-House, Not White-Labelled

Commercial Construction Loans

Commercial Vehicle Financing

Business Succession & Acquisition Lending

Why 97.3% of Clients Stay Year After Year

Your Banker Knows Your Name — and Your Business

Decisions in Days, Not Months

Technology Built for Business, Not Consumers

The Numbers Behind the Relationship

Ready to Switch? Join 1,400+ Companies Who Chose Thornbury

Important Disclosures