Transparent Pricing for Growing Businesses: See Exactly What You Pay Before You Commit
No buried fee schedules. No opaque charges. Below is how our relationship tiers work, who each is built for, and what it costs. Since 2012, we have served 1,400+ businesses across Southern Ontario with this same approach — publish the numbers, explain the logic, and let you decide. If the numbers do not work for you, we will tell you — honestly.
$275
Essentials/mo
$675
Professional/mo
$1,450
Strategic/mo
Jump to: Essentials · Professional · Strategic · Full Comparison
Essentials: For Businesses Ready to Outgrow Their Current Bank
The Essentials tier is for established businesses with annual revenues between $1 million and $5 million who need a banking relationship that actually understands commercial operations. This is not a starter package or a rebranded small business account — it is the foundation of a relationship-driven commercial banking experience, built by our 12-person specialist team for companies that have real complexity but are not yet at the scale where treasury management or cross-border FX become critical needs.
Perhaps you have outgrown the small business desk at your current bank. Perhaps your relationship manager has changed for the third time in two years and you are tired of re-explaining your business from scratch. Perhaps you applied for a straightforward credit increase and waited six weeks for a decision that should have taken six days. These are the exact pain points our Essentials clients describe when they first call us — and exactly what our commercial banking services are designed to eliminate.
This tier gives you a dedicated relationship manager — a senior commercial banker, not a generalist who also handles consumer mortgages and student chequing accounts. Your RM learns your business, understands your seasonal cash patterns, knows your suppliers and your receivables cycle. You get operating accounts on TBL Connect with real-time balance visibility, mobile cheque deposit, and pre-built integrations with QuickBooks Online or Xero. You get access to a revolving credit facility up to $500,000, underwritten by our three-person credit committee with a target turnaround of 12 business days — not the 30-to-45-day black hole that most mid-market businesses endure at larger institutions.
We designed Essentials based on conversations with hundreds of business owners between $1M and $5M in revenue who told us the same thing: they do not need exotic financial products. They need competence, responsiveness, and a banker who answers the phone. That is what this tier delivers.
What Is Included
- •1 primary operating account + 2 sub-accounts on TBL Connect
- •Dedicated relationship manager (senior commercial banker)
- •Revolving credit facility up to $500K (subject to underwriting)
- •Pre-built accounting integration (QuickBooks Online or Xero)
- •Domestic wire and EFT origination (first 50 transactions/month included)
- •Business account statements — real-time, not monthly batch
- •Quarterly relationship review meeting
- •SOC 2 Type II certified digital banking environment
- •Average 4.2-hour response time during business hours
$275
From Prime + 2.25%
Determined by credit profile
$4.50 each
Beyond 50/month included
Essentials clients typically graduate to the Professional tier within 18–24 months as their businesses scale. The transition is seamless — same relationship manager, same TBL Connect environment, expanded capabilities. See how our clients describe the experience.
Professional: For Businesses Where Complexity Is the Norm
The Professional tier is where Thornbury is at its best. This is for businesses with $5 million to $20 million in revenue — manufacturers, logistics operators, multi-location practices, engineering firms, IT services companies — where banking needs are too complex for standardized products. These are companies that have moved beyond basic operating accounts and credit lines into the territory where cash flow architecture, multi-currency exposure, and integration with internal financial systems are not luxuries — they are operational necessities.
You need more than a chequing account and a credit line. You need treasury infrastructure. You may need cross-border FX management because you are paying suppliers in euros, collecting in U.S. dollars, and reporting in Canadian dollars. You may need a revenue-based lending model because your assets are contracts and recurring revenue, not forklifts and warehouses — and your current bank's underwriting model cannot accommodate that. You may need commercial deposit account analysis to optimize your cash positioning across multiple accounts, or you may need zero-balance account sweeping to centralize liquidity without manual transfers every morning.
We built the Professional tier around 847 clients who told us exactly what they needed — and what their previous bank could not deliver. The common thread was the same every time: these businesses had grown past the capabilities of their small-business banking relationship, but they were not large enough to command attention at the big five. They were stuck in the middle. Thornbury exists to serve that middle.
At this tier, your relationship manager is not just answering questions — they are participating in your financial strategy. Monthly relationship reviews include cash flow analysis, credit utilization optimization, and proactive recommendations. Your annual strategic planning session brings our credit committee principals into the conversation to assess capital needs, refinancing opportunities, and growth scenarios 12 to 24 months out. This is the kind of advisory engagement that major banks reserve for clients with $100M+ in revenue. We deliver it at $5M.
What Is Included
- •Unlimited operating accounts and sub-accounts on TBL Connect
- •Senior relationship manager + access to credit committee principals
- •Credit facilities up to $5M (revolving, term, asset-backed, revenue-based)
- •Full treasury management suite: ZBA sweeping, concentration accounts, controlled disbursement
- •Cross-border FX: spot, forwards, automated hedging (up to 12 currencies)
- •Unlimited domestic wires and EFT origination
- •Custom API integrations (up to 2 per year, included)
- •ACH processing reports with dual-authorization controls
- •Commercial card program eligibility
- •Monthly relationship review + annual strategic planning session
- •Earnings credit rate calculation applied to operating balances
- •Priority response time — average under 2.5 hours during business days
$675
From Prime + 1.50%
Determined by credit profile and facility type
$4,500 each
Beyond 2/year included
The Professional tier is our most popular — it accounts for roughly 60% of our 1,400+ active client relationships. Clients at this level benefit from the full breadth of our 10 commercial banking service categories, from lending and treasury management to trade finance and digital banking infrastructure.
Strategic: For Multi-Entity Operations and High-Complexity Banking
The Strategic tier exists for a specific kind of client: multi-entity groups, franchise portfolios, acquisition-driven practices, and businesses with $20 million or more in revenue where the banking relationship is not a utility — it is infrastructure. These are organizations where a single credit decision can involve three corporate entities, two holding companies, and a real estate trust. Where cash flows cross borders weekly. Where the CFO needs a banking partner who can participate in board-level strategic conversations, not just process transactions.
Our largest single-client exposure is approximately $9.5 million. Our Strategic clients include multi-location dental and veterinary practices acquiring new locations annually, civil engineering firms managing $5M+ project pipelines with surety requirements, and hospitality groups with complex seasonal cash flow architectures. These businesses chose Thornbury because the big five could not move quickly enough, and the smaller institutions did not have the product depth. We sit in that intersection — the sophistication of a major bank's commercial division with the speed and principal access of a boutique institution.
At this tier, Marcus Thornbury or Priya Sharma is your primary relationship contact. Your business gets named-principal access to our credit committee — not a gatekept approval process where your request moves through four levels of hierarchy before reaching a decision-maker, but direct access to the people signing credit approvals. Your TBL Connect environment gets unlimited custom integrations, and our digital banking team builds what you need — not what the vendor catalogue offers. If your ERP system requires a non-standard data feed, we build the connector. If your treasury workflow needs a custom approval chain that mirrors your corporate governance structure, we configure it.
Strategic clients also receive our financial advisory services at no additional cost. This includes succession planning for owner-operated businesses, capital structure optimization ahead of major growth phases, and pre-sale preparation for businesses considering an exit within 24 to 36 months. These advisory engagements are led by Marcus Thornbury personally, drawing on his experience managing over $780 million in commercial assets since founding the firm in 2012.
What Is Included
Everything in the Professional tier, plus:
- •Credit facilities up to $15M (including accordion features and project-based structures)
- •Named-principal credit committee access (Marcus Thornbury or Priya Sharma)
- •Unlimited custom API integrations — built in-house, included
- •Surety and performance bond facilitation (pre-qualified frameworks)
- •Commercial mortgage and real estate financing
- •Multi-currency treasury management (28 currencies)
- •Purchase order financing and accounts receivable factoring programs
- •Trade finance documentation and letters of credit
- •Notional pooling across multi-entity structures
- •Financial advisory: succession planning, capital structure optimization, pre-sale preparation
- •CSBFP loan application packages (where eligible)
- •Quarterly strategic review with C-suite attendance
$1,450
From Prime + 1.15%
Determined by credit profile, facility type, and total relationship value
Quoted Individually
Based on property type and LTV
Strategic tier relationships represent the deepest level of partnership we offer. These clients receive the full benefit of our 12-person specialist team working collaboratively across lending, treasury, trade finance, and digital banking. Read how our Strategic clients describe the experience on our testimonials page.
Why We Publish Our Pricing When Other Banks Do Not
Most banks hide their fee schedules. We find that strange. You would not hire a law firm, a CPA practice, or a construction contractor without knowing the cost structure before you commit. Yet the banking industry has conditioned business owners to accept opaque pricing as normal — you sign up, then you discover the charges. We think that is backwards.
You are evaluating whether to entrust us with your company's financial infrastructure. This is not a discretionary purchase — it is the plumbing of your business. You deserve to see the economics before the first meeting. You deserve to compare us against your current institution on a line-by-line basis. You deserve to calculate the return on switching before you invest the time.
These are starting points, not take-it-or-leave-it figures. Every relationship is structured individually based on your specific business profile, the credit facilities you need, the treasury complexity involved, and the overall scope of the relationship. Our credit pricing depends on your financial statements, your industry risk profile, your collateral position, and the facility type. What we guarantee is a complete, itemized fee schedule — every charge, every rate, every threshold — delivered in writing before you sign anything. No surprises in month three. No "incidental fees" that appear on your first statement.
If we are not the right fit, we will tell you. That has happened 83 times in the past three years. We referred those businesses to institutions better suited to their needs — sometimes because they were too small for relationship banking to make economic sense, sometimes because they needed international capabilities we do not offer, and sometimes because their credit profile required a specialized lender. We would rather lose a prospect than gain a disappointed client. Our 97.3% client retention rate exists because we only onboard relationships where we know we can deliver.
Or call us directly: (646) 964-8887 · Average response time: 4.2 hours
Choose the Right Tier: Side-by-Side Feature Comparison
Not sure which tier fits your business? This comparison covers every major feature across all three relationship levels. If you need help deciding, schedule a free consultation — our team will assess your needs and recommend the right tier honestly, even if the answer is that you do not need us yet.
| Feature | Essentials | Professional | Strategic |
|---|---|---|---|
| Monthly Fee | $275 | $675 | $1,450 |
| Revenue Range | $1M–$5M | $5M–$20M | $20M+ |
| Max Credit Facility | $500K | $5M | $15M |
| Credit Pricing (from) | Prime + 2.25% | Prime + 1.50% | Prime + 1.15% |
| TBL Connect Accounts | 1 + 2 sub | Unlimited | Unlimited |
| Dedicated Relationship Manager | ✓ | ✓ | ✓ |
| Accounting Integration | QBO / Xero | QBO / Xero + Custom | Unlimited Custom |
| Treasury Management | — | ✓ | ✓ |
| Cross-Border FX | — | 12 currencies | 28 currencies |
| Wire/EFT Transactions | 50/mo included | Unlimited | Unlimited |
| Custom API Integrations | — | 2/year included | Unlimited |
| Named Principal Access | — | — | ✓ |
| Surety & Bond Facilitation | — | — | ✓ |
| Commercial Mortgage | — | — | ✓ |
| Financial Advisory Services | — | — | ✓ |
| Review Cadence | Quarterly | Monthly + Annual | Monthly + Quarterly Strategic |
Common Pricing Questions — Answered Directly
Are there setup fees or onboarding charges?
No. Onboarding is included in every tier. That includes TBL Connect setup, accounting integrations, user provisioning, and your initial relationship review meeting. We invest in onboarding because it reduces friction and builds the foundation for a long-term relationship. The only cost you pay in month one is your monthly relationship fee.
What if my revenue is between tiers — say, $4.5M growing to $6M?
Revenue ranges are guidelines, not rigid cutoffs. If you are at $4.5M and expect to cross $5M within 12 months, we would typically recommend starting on the Professional tier so your banking infrastructure is ready before you need it. If your current complexity is genuinely Essentials-level, we will say so and upgrade you when the time comes. We structure for where you are heading, not just where you are today.
Can I switch tiers mid-contract?
Yes. Upgrades are effective immediately — your expanded capabilities are provisioned within 5 business days. Downgrades take effect at your next quarterly review date, with 30 days' written notice. There is no penalty for either direction. Our 97.3% retention rate exists because we build relationships, not lock-in contracts.
How does credit pricing work beyond the "from" rates listed above?
The "from" rates represent our best pricing for strong credit profiles with full collateral coverage. Your actual rate is determined through our credit underwriting process, which considers your financial statements (typically two years), industry risk classification, collateral position, facility type (revolving vs. term vs. asset-backed), and overall relationship scope. Our three-person credit committee reviews every application directly — no automated scoring models. You will receive a complete term sheet with your exact rate before you commit to anything.
Is there a minimum commitment period?
We ask for a 12-month initial commitment on all tiers, which aligns with our credit underwriting cycle. After the first year, the relationship continues month-to-month with 60 days' notice for termination. Credit facilities have their own maturity terms, which are specified in your individual credit agreement. We have never charged an early termination fee — if you want to leave, we make the transition as smooth as possible.
What fees are NOT included in the monthly relationship fee?
Your monthly fee covers the relationship infrastructure: your dedicated RM, TBL Connect access, included transactions, review meetings, and tier-specific services. Fees that are separate include: credit facility interest (charged on drawn amounts only), international wire fees ($25 per outbound wire), additional domestic transactions beyond your tier's included count, third-party costs passed through at cost (e.g., legal review of complex credit documentation, property appraisals), and optional add-on services. Every possible charge is itemized in your fee schedule before onboarding. See our full services overview for details on what each capability includes.