CFOs and Finance Leaders: Commercial Banking Structured Around Your Business

A CNC machining company in Oakville was losing business because their Big Five bank took 9 weeks to increase their revolving facility. Their RM had turned over 3 times in 18 months. Every new contact required re-explaining the business, re-submitting financials, and waiting in a centralized adjudication queue that treated a $4.8M manufacturing credit like a consumer line of credit.

We assigned a dedicated relationship manager — the same person they speak with every time — and built a $4.8M asset-backed revolving facility with dynamic borrowing base certificate reporting through TBL Connect. The facility adjusts automatically as receivables and inventory change, eliminating the need for periodic increase requests. Approval-to-funding: 14 business days. Their Big Five bank quoted 9 weeks and could not guarantee the timeline.

We provide:

• • Revolving operating lines with borrowing base certificate monitoring
• • Term loans with amortization aligned to cash flow seasonality
• • Equipment financing and chattel mortgages
• • Asset-backed lending with accounts receivable factoring options
• • Commercial loan proposals delivered in 7–12 business days
• • Three-person senior credit committee — no outsourced adjudication

Facility range: $100K to $15M. Minimum DSCR requirement: typically 1.25x. See pricing tiers for rate structures.

A managed IT services company in Mississauga with $3.8M in ARR was offered $250K by their Big Five bank because they lacked hard collateral. The bank's underwriting model was built for manufacturing and real estate — it literally could not score a recurring-revenue business without physical assets to secure. The owner was told to put up their personal residence or accept the $250K ceiling.

We underwrote their monthly recurring revenue, client churn rates (under 3% annually), average contract length (28 months), and contracted pipeline through real-time API connections to their ConnectWise platform. The data fed directly into our credit model — no manual spreadsheets, no quarterly reporting packages mailed to a centralized adjudication centre. Delivered a $1.2M revolving facility that grew automatically as MRR increased. Personal guarantee exposure reduced by 67%. The entire process, from initial conversation to funded facility, took 19 business days.

We provide:

• • Credit facilities sized to 3x trailing three-month average MRR
• • Dynamic facility limits that adjust monthly with revenue growth
• • API integrations with ConnectWise, Salesforce, QuickBooks Online, Xero
• • Reduced or eliminated personal guarantee requirements for established businesses
• • Earnings credit rate calculation on operating deposits to offset fees
• • Covenant structures based on revenue metrics, not asset coverage ratios

Ideal for businesses the Big Five structurally cannot underwrite. Read how our clients describe the difference on our testimonials page.

A hospitality group running 3 restaurants and 2 hotels across Niagara-on-the-Lake and Port Credit was spending 8 hours per week on manual deposit runs and cash reconciliation. Their controller was managing five separate bank accounts with no consolidated view — logging into each account individually, downloading CSV exports, and manually mapping transactions in Excel. Month-end close took 12 days.

We integrated TBL Connect with their Lightspeed POS for automated end-of-day reconciliation across all five locations. A zero-balance account structure swept daily balances into a central concentration account, and commercial deposit account analysis identified $42,000 in improved daily investable balances. Month-end close dropped from 12 days to 4. The controller now spends 45 minutes per week on cash management instead of 8 hours.

We provide:

• • Zero-balance account sweeping and notional pooling for multi-entity groups
• • Concentration accounts with controlled disbursement
• • Real-time intra-day cash positioning — not next-day batch files
• • Integrated ACH/EFT origination and wire transfers (domestic and international)
• • Bulk payment processing with dual-authorization controls
• • ACH processing reports with full audit trail
• • Business account statements generated in real time through TBL Connect

Designed for businesses managing multiple locations, subsidiaries, or project-based revenue. See how our treasury tools integrate with TBL Connect in the technology section below.

A multi-location professional practice managing expenses across 5 sites was losing visibility into spending patterns and missing rebate opportunities. Their existing card program buried rebate calculations in quarterly statements with a 90-day lag. The office manager had no way to set per-cardholder category limits — an associate dentist was expensing $2,400/month in supplies with no approval workflow, while another location was routinely over-purchasing because nobody could see consolidated spend data in real time.

We deployed a commercial card program with real-time spend visibility through TBL Connect. Each cardholder received custom category limits with automated alerts when thresholds were approached. Automated commercial card rebate tracking replaced the manual quarterly reconciliation. Annual rebate recovery increased from $1,200 to $8,400 — a 600% improvement — simply because the practice could now see and control where money was going.

We provide:

• • Corporate Visa cards with customizable spend limits per cardholder
• • Commercial card rebate programs with quarterly reporting and real-time tracking
• • Real-time transaction feeds into accounting platforms (QuickBooks, Xero, Sage)
• • Category-level spend analytics for purchase order financing decisions
• • Integration with existing expense management workflows
• • Instant card provisioning for new employees — activated in under 2 hours

Every card program includes transparent fee disclosure — no hidden charges, no buried interchange markups.

An aerospace component manufacturer in Oakville was paying $1,400/month in FX conversion fees on USD receivables. Their Big Five bank applied a 1.8% spread on every conversion — buried in the exchange rate, never disclosed on any statement. The company invoiced roughly $280K USD per month to three American OEMs and had no visibility into whether the rate they received was competitive, or even close to mid-market.

We deployed automated hedging tied to invoice issuance through TBL Connect. Every time a USD invoice was generated in their ERP, our system automatically locked a 60-day forward contract at a disclosed spread of 0.35%. FX costs reduced by 61% — from $1,400/month to $546/month — saving $10,248 annually. More importantly, the CFO could now see exactly what every conversion cost, in real time, with full audit trail.

We provide:

• • Spot FX, forward contracts (up to 24 months), and FX options
• • Automated hedging programs linked to invoice issuance via ERP integration
• • Trade finance documentation and letters of credit (import and export)
• • Purchase order financing for import/export operations
• • 28 currencies with real-time rate transparency — no hidden markups
• • Rate alerts, direct trade execution, and historical FX exposure reporting
• • Multi-currency accounts to hold USD, EUR, GBP without forced conversion

Purpose-built for Canadian SMEs with U.S. or international operations. Registered with FINTRAC — full compliance documentation available on request.

A civil engineering firm in Etobicoke was winning $5M+ municipal contracts but struggling with cash flow gaps between milestones. Their bank required 90 days' notice for facility increases and charged 0.75% standby on undrawn amounts. When they won a $6.2M road rehabilitation contract with the Region of Peel, they needed an additional $1.5M in working capital within 30 days. Their bank said it was not possible.

We built a $3.8M project-based revolving facility with $1.5M pre-approved accordion expansion, triggered automatically by uploading signed contracts into TBL Connect. The accordion feature eliminated the need for 90-day advance requests — new projects simply expanded the facility within pre-agreed parameters. We also connected with their surety providers (Trisura, Intact, and Aviva) through pre-qualified frameworks, reducing surety bond turnaround from the industry-standard 15–20 days to just 5 business days. Utilization-based pricing meant they paid zero standby fees on the accordion portion when it was not in use.

We provide:

• • Project-based revolving credit with accordion features
• • Milestone-based drawdown scheduling tied to progress billings
• • Commercial construction loan structuring for contractors and developers
• • Pre-qualified surety frameworks with Trisura, Intact, and Aviva
• • Performance bond facilitation in 5–10 business days
• • Utilization-based pricing — no standby fees on undrawn amounts
• • Holdback management and statutory lien tracking for Ontario construction projects

For construction, engineering, and government contracting. See how construction clients describe working with us on our testimonials page.

A last-mile delivery company in Brampton needed $2.1M for 34 EV delivery vans. Traditional lenders discounted EV collateral by 40–50% because their residual value tables were based on ICE vehicles — they had no model for battery degradation curves, warranty structures, or the rapidly evolving EV resale market. Three banks declined outright. Two offered to finance half the fleet with a 100% personal guarantee.

We developed a custom collateral valuation model based on FleetCarma residual data, manufacturer warranty coverage (8-year/160,000 km battery warranty from the OEM), and projected total cost of ownership savings versus diesel equivalents. The model accounted for fuel cost arbitrage, reduced maintenance schedules, and federal iZEV incentives. Full fleet financed at Prime + 1.85% with a blended chattel mortgage and corporate guarantee structure that kept the owner's personal exposure under $400K. Fleet utilization dashboards through TBL Connect now show real-time mileage, charging patterns, and asset depreciation against the financing schedule.

We provide:

• • Commercial vehicle financing with custom collateral valuation
• • Equipment financing and chattel mortgages for industrial, medical, and technology assets
• • Fleet utilization dashboards through TBL Connect telematics integration
• • Blended facility structures combining chattel mortgages with corporate guarantees
• • Lease vs. buy analysis as part of facility structuring
• • EV-specific collateral models incorporating battery warranty and residual data

We finance what other banks do not yet understand. Our team's industry expertise means faster decisions on non-standard assets.

A dental practice group was acquiring two locations simultaneously — one in Burlington, one in Hamilton — with a 45-day deadline imposed by a retiring seller. Their Big Five bank wanted 14–16 weeks for two separate applications, each requiring independent appraisals, separate legal reviews, and adjudication by different regional credit teams. The two applications could not reference each other. The bank's process would have blown the deadline by 8 weeks, killing both deals.

We treated both as a single portfolio transaction with one credit agreement, one set of covenants, and coordinated legal review. Our three-person senior credit committee reviewed the consolidated package — combined practice revenues, cross-collateralization benefits, and the buyer's existing operating history — in a single session. $2.65M term sheet delivered in 11 days. Both acquisitions closed a week early. We also bundled $340K in renovation and buildout financing into the facility, so the buyer did not need to go back to the bank three months later for leasehold improvements.

We provide:

• • Practice acquisition financing (dental, veterinary, pharmacy, accounting, legal)
• • Multi-unit franchise acquisition structuring
• • CSBFP loan application packages for eligible businesses
• • Consolidated credit agreements with coordinated covenants
• • Renovation and buildout financing bundled into acquisition facilities
• • Financial advisory for business succession planning and pre-sale preparation
• • Seller financing coordination and vendor take-back structuring

Structures built for speed — because sellers do not wait. Our 97.3% client retention rate means we are building long-term relationships, not transactional deals. Hear from acquisition clients directly.

A staffing agency in Vaughan with 340 temporary placements across three subsidiary entities was running payroll manually through separate bank accounts — one per entity — with no automated reconciliation. Every two weeks, the owner spent a full day preparing three separate EFT files, manually verifying amounts against their ADP reports, and coordinating CRA source deduction remittances across three different CRA accounts. One missed remittance in 2023 resulted in a $4,200 penalty.

We built a consolidated payroll disbursement structure through TBL Connect with dedicated payroll sub-accounts for each entity, all sweeping from a central funding account. ADP integration automated the EFT file generation — payroll data flowed directly from ADP into TBL Connect, pre-validated and pre-authorized with dual-signature approval. CRA remittances were auto-calculated and scheduled 48 hours before each deadline with email confirmation. Payroll processing time dropped from 8 hours per cycle to 45 minutes. Zero missed remittances since onboarding.

We provide:

• • Dedicated payroll sub-accounts with automated funding from operating accounts
• • Direct integration with ADP, Ceridian, Wagepoint, and custom payroll systems
• • Automated CRA source deduction remittance scheduling with confirmation alerts
• • Multi-entity payroll structures with consolidated reporting
• • Vendor disbursement automation with scheduled recurring payments
• • Dual-authorization workflows with role-based access for payroll administrators
• • Full audit trail on every disbursement — exportable for year-end and CRA review

Designed for businesses with complex payroll — multiple entities, high headcount, or frequent pay cycles. Pairs naturally with our Treasury & Cash Management services above.

A medical device distribution company in Mississauga was holding $1.8M in operating reserves across two Big Five savings accounts earning 0.50% and 0.75% respectively. Their controller knew the rates were below market but had been told by their RM that "commercial deposit rates are standardized" and there was no room for negotiation. The company was leaving roughly $18,000 per year in interest income on the table — money that went straight to the bank's margin instead of the company's bottom line.

We restructured their deposit strategy with a tiered approach: $400K in a high-yield commercial savings account at 3.85%, $900K across a staggered GIC ladder (90-day, 180-day, and 1-year terms) yielding a blended 4.42%, and $500K in an operating account with an earnings credit rate that offset $6,200 in annual banking fees. Total annual interest income increased from $11,250 to $62,400. All deposits remained CDIC-insured up to applicable limits, and TBL Connect provided real-time visibility into maturity dates, auto-renewal options, and projected returns.

We provide:

• • High-yield commercial savings accounts with competitive posted rates
• • GIC laddering strategies for operating reserves and retained earnings
• • Earnings credit rate (ECR) programs that offset monthly banking fees
• • CDIC-insured deposits up to $100,000 per eligible deposit category
• • Automated maturity notifications and auto-renewal management through TBL Connect
• • Quarterly deposit optimization reviews with your dedicated relationship manager
• • Custom liquidity analysis balancing yield, accessibility, and covenant compliance

Your operating reserves should work as hard as you do. See our transparent pricing page for current posted rates and ECR structures.