How You Get Banking Infrastructure That Matches Your Revenue
You're running a $2M to $50M business on banking tools designed for a Fortune 500. That ends here. Saltic builds commercial banking around your cash conversion cycle — not a product sheet written for a company ten times your size.
Talk to us about your setup →How We Structure Your Banking to Match Your Operations
Every product below was built because a real client needed it. Not because a product committee approved a roadmap. Our six-person team designs each structure around how your business actually moves money — payroll timing, receivable cycles, vendor terms, seasonal fluctuations. Here's what that looks like.
Commercial Operating Accounts & Treasury Management
Purpose-built for high-transaction-volume businesses. No per-transaction fees on the first 500 monthly debits and credits — that covers most companies doing under $15M in revenue without a single overage charge. Same-day fund availability on domestic deposits. Dual-signatory controls configurable at account level, with thresholds you set: require two signatures above $25K, single below. Integration with QuickBooks Online, Xero, Sage Business Cloud, and FreshBooks via daily bank feeds — intraday sync available on request.
Zero-balance account configurations let you maintain sub-accounts for payroll, taxes, and vendor disbursements without idle balances scattered across multiple ledgers. Automated end-of-day sweeping consolidates excess funds into your primary operating account or an interest-bearing position. Cash position dashboards update intraday — your CFO sees real-time collected balances, pending debits, and projected end-of-day positions without calling anyone. Sweep accounts move funds above or below thresholds you define: cap your operating account at $200K and route everything above into an overnight position automatically. Earnings credit rate calculations apply against monthly service charges, meaning your deposit balances actively reduce your banking costs. See the current earnings credit methodology on our rates page.
Account analysis statements delivered monthly — every fee, every credit, every earnings credit offset, transparent. No line items you can't trace back to a specific transaction or service.
Explore treasury tools →Working Capital & Receivables-Based Financing That Reflects Who Pays You
Revolving facilities structured around your cash conversion cycle — not a generic template. A manufacturer with a 90-day production cycle gets a different structure than a staffing agency with 45-day receivables. A government contractor with 120-day payment terms but investment-grade counterparties gets another. Marcus Belayneh, our Director of Credit & Working Capital, underwrites on receivables quality, contract backlog, and revenue predictability — the fundamentals that actually predict repayment.
Advance rates range from 75% to 90% based on counterparty credit profile. This isn't a flat discount applied uniformly. An invoice from a government health authority or a publicly traded grocery chain is valued differently than one from a two-year-old startup with no payment history. We assess each debtor independently and set advance rates accordingly. The result: facility costs typically run 40–60% lower than equivalent factoring arrangements, and your customers never know about the facility. You retain the relationship entirely. Average decision time for facilities under $500K: 4.3 business days. Compare that to the 18–25 business days you'd wait at a major Canadian bank.
Positive pay fraud protection comes standard on all disbursement accounts — every cheque issued is verified against your authorized list before clearing. Commercial real estate loans cover owner-occupied properties and investment holdings, with terms from 5 to 25 years, fixed or variable from 5.25%. Commercial vehicle financing for fleet operators — individual units or full fleet acquisition. Full details on facility rate ranges.
Equipment lease schedules and commercial loan closing packages prepared in-house by our credit team. No third-party broker fees. No origination surprises.
See facility structures →Payment Processing & a Digital Banking Platform Built for Operators
POS terminal provisioning for card-present transactions at 1.89% + $0.10. E-commerce gateway integration for online sales at 2.29% + $0.15. PAD collection for recurring billers — CPA-compliant, automated, with configurable retry logic for failed collections. Batch EFT processing for payroll and vendor disbursements at $0.50 per item. Same-day domestic wire at $15. International payment routing through correspondent banking at $35 per outgoing wire, with full beneficiary tracking and SWIFT confirmation. Volume discounts negotiable above $50K monthly processing — see the complete payment processing rate card.
RESTful API access gives your development team direct integration with account data, transaction initiation, and reporting. Connect your ERP system, build custom dashboards, automate reconciliation workflows. Priya Sandhu, our Head of Digital Banking, built this infrastructure from the ground up after five years at Shopify — API documentation is public, endpoints are versioned, and there are no per-call fees on standard requests. If your team can consume a REST API, they can build anything from automated vendor payments to real-time cash position alerts.
ISO 20022 payment messaging compliant — the global standard that's replacing legacy formats. FedNow instant payment rails ready for when Canadian adoption accelerates. Reg CC commercial funds availability applied per deposit type, with same-day availability on electronic credits. Commercial deposit pricing tiers reduce your per-transaction costs as relationship volume grows — your banking gets cheaper as your business scales, not more expensive.
Business account statements and quarterly business financial reviews delivered on schedule. Your named contact walks you through the numbers — not a generic report dropped into your inbox.
Review payment solutions →How Every Service Connects Into One Banking Relationship
The three core services above handle 80% of what most commercial clients need. The services below fill the gaps — and they all run through the same platform, the same named contact, and the same account analysis statement. No fragmentation. No separate logins.
Sub-Account & Virtual Account Structures
Segregate funds by project, property, client, or department without opening separate bank accounts. Single master account, multiple named sub-ledgers — each with independent reporting, balance tracking, and allocation rules. Property managers use this to maintain trust-compliant tenant deposit segregation. Construction firms track project-level cash flow. Co-ops allocate shared revenue. Each sub-account costs $10/month with unlimited transactions within the master. Your dashboard shows consolidated and individual positions simultaneously.
FX & Cross-Border Payments That Save Real Money
Forward FX contracts up to 12 months — lock in your rate on a known future payable and eliminate currency risk from your P&L. Spot FX at 30–60 basis points tighter than big-bank posted rates, because your FX pricing reflects your total deposit and transaction relationship with Saltic. USD, EUR, GBP, CNY corridors with full beneficiary tracking and SWIFT confirmation. Lianne Arsenault, our VP of Payments & Treasury, manages FX execution directly — no third-party broker layer adding cost.
Payroll Disbursement That Runs Itself
CPA-compliant EFT file generation for direct deposit payroll. Processing integrates with Ceridian, ADP, and Wagepoint — upload your file, funds clear next business day. For clients with working capital facilities, automated payroll draws pull the exact amount needed on your scheduled pay date, eliminating manual transfers and the risk of missed payroll. A staffing agency in Hamilton uses this to fund $211K every Monday without touching a single button.
Compliance & Regulatory Support for Industries Others Won't Touch
Cannabis operators, fintech companies, money service businesses — industries other banks decline without explanation or string along for months before saying no. Saltic maintains dedicated compliance analysts who understand the regulatory landscape for high-risk-classified industries. Structured onboarding with clear documentation requirements communicated upfront — you'll know exactly what we need and why before you submit a single form. FINTRAC reporting expertise built into our operations team. If your industry is legal, we'll evaluate the relationship on its merits. If we can't serve you, we'll tell you on day one — not day ninety.
How Real Clients Solved Real Problems
Four businesses. Four different industries. Four banking structures that didn't exist before the client walked in. Every number below is from actual operating results — no hypotheticals, no projections.
Working Capital Unlocked by Counterparty Analysis
Meridian operated on 60–90 day payment terms but held receivables from investment-grade grocery chains and pharmaceutical distributors — counterparties with AA and A credit ratings. Their previous bank applied a blanket advance rate regardless of debtor quality. Saltic's credit team analyzed each counterparty individually and structured a receivables-based revolving facility at 85% advance rate for investment-grade debtors, with lower tiers for smaller accounts. The facility reprices quarterly based on the receivables portfolio composition, rewarding Meridian for maintaining high-quality customers.
Working capital: $620K → $1.4M. Access to funds: 12 days → 2 days. $87K annual fuel savings from early-payment discounts Meridian could now capture. Net financing cost: 42% lower than their previous factoring arrangement.
Seven Accounts Consolidated. FX Costs Slashed. Six Hours Recovered Weekly.
Seven separate accounts across two banks, high wire fees on European component purchases, and no FX optimization — their controller spent six hours every week just reconciling positions. Saltic deployed a two-tier treasury with a master operating account and project-level sub-accounts, daily end-of-day sweeps consolidating idle funds, correspondent banking FX for EUR component purchases at 45 basis points tighter than their previous bank's posted rates, and working capital aligned to their 90-day manufacturing cycle. Lianne Arsenault managed the migration personally, including bilingual documentation for their Quebec-based team.
Monthly banking fees reduced by $2,100. FX savings: $64K/year on ~€1.2M in annual component purchases. Weekly reconciliation: 6 hours → 45 minutes. All seven accounts visible on a single dashboard.
Four Producers, Four Banks, One Solution That Actually Reconciles
Four craft beverage producers shared a taproom and shared chaos. Four separate merchant accounts at four different banks, fragmented POS terminals, and monthly revenue-share variances that took two bookkeepers eighteen hours to untangle. Saltic unified processing under a single merchant account with SKU-level split settlement — each pint, each bottle, each flight automatically allocated to the correct producer's sub-account based on the product sold. Revenue-share percentages for shared taproom expenses calculated and distributed automatically at end of each business day.
Bookkeeping: 18 hrs → 3 hrs/month. Settlement discrepancies → near zero. Merchant rate: 2.65% blended average → 2.14% consolidated. Each producer sees their own revenue in real time on the Saltic dashboard.
$214K Saved Annually. 35 Staff Hired. Payroll Runs in 20 Minutes.
Weekly $211K payroll against net-45 receivables created a permanent cash gap. Their factoring company charged $385K annually — money that could have funded growth. Saltic structured a payroll-bridging facility with automated Monday draws triggered by confirmed shift data from Steeltown's scheduling system. The facility was underwritten at a lower risk tier because 89% of Steeltown's receivables came from government-funded hospitals and long-term care facilities — counterparties that don't default. Marcus Belayneh designed the structure in collaboration with Steeltown's controller, including a phase-out mechanism for any personal guarantee as the facility seasoned.
Financing costs: $385K → $171K (–$214K annually). Payroll processing: 4 hours of manual transfers → 20 minutes of automated verification. The $214K savings funded 35 additional nursing staff — directly expanding Steeltown's capacity to serve more facilities.
4.3 days. Average working capital decision for facilities under $500K. The industry average at major Canadian banks: 18–25 business days. That gap is the difference between capturing an opportunity and watching it pass.
Your Personal Banking Belongs Here Too
Your personal and business finances aren't separate universes — they're connected by your signature on every guarantee, every lease, every facility. Saltic offers personal banking for existing business clients: no-fee chequing, the same negotiated FX rates your business gets, personal credit facilities underwritten with your full relationship context, and a consolidated dashboard that shows both sides of your financial life. One login. One contact. One institution that sees the full picture.
See personal banking for business owners →How You Stop Waiting and Start Operating
You've read enough. You know whether this fits. Call us at (343) 348-7225 or fill out the form. The person who answers is the person who manages your account — not a call center, not a chatbot, not an intake coordinator who vanishes after day one. Meet the team who'll handle your relationship, then let's talk about what your first 30 days look like.