2020 — present · Ottawa, Ontario
Reclaim Your Cash Flow: A Transparent Approach to Business Banking
Most business banks treat you like a number in a portfolio of 90+ accounts. We refuse. Lacroix Accesd Affaires serves commercial clients with $2M–$75M in annual revenue across Ontario and Quebec — manufacturing, professional services, logistics, government contracting — and we assign a dedicated banker to every single one. No rotation. No call center. One direct phone number.
Hold Your Banking Partner Accountable With Real Numbers
We track these metrics monthly and report them internally. They're not aspirational — they're auditable. Ask your current bank for theirs.
From First Call to Dedicated Banker in 5 Steps
Every client goes through the same structured onboarding. No shortcuts. No surprises. The process was designed by Marc-Antoine Lacroix after twelve years on the client side of banking — he knows exactly where other banks drop the ball.
Discovery
We map your cash flow patterns, transaction volumes, FX exposure, and pain points in a 45-minute call with a senior team member. No forms. No sales pitch. No junior associate learning on your dime. You'll speak with someone who has adjudicated commercial credit and built cash management architectures — not someone reading from a script.
Architecture
We design a multi-account structure — zero-balance accounts, automated sweeps, disbursement controls, payroll segregation — built around how your money actually moves. Jonathan Firth, our Director of Treasury & Cash Management, designs every architecture personally. If you need FX management, Amina Deschênes maps your currency exposure and identifies where you're overpaying.
Transparency
You receive a complete fee schedule before signing anything. Every line item, every transaction charge, every wire cost — itemized, explained, and published. Monthly statements use plain-language descriptions. We don't bundle fees into opaque packages. If you're currently paying $800/month in charges you can't identify, you'll understand exactly why that changes with us.
Onboarding
KYC verification, beneficial ownership documentation, signing authority setup, and full online banking access — configured with role-based permissions for your team — in 5–7 business days for standard Canadian-incorporated businesses. Complex multi-entity structures may take longer due to FINTRAC enhanced due diligence requirements.
Relationship
Same banker, direct phone number, same-day response guarantee. Not a call center. Not a queue. Not a new face every 18 months. Your relationship manager knows your business well enough to spot problems before you call — and you can reach them at (646) 885-6220 during business hours.
See What $68,000 in Savings Looks Like: Real Client Results
These are real outcomes from real businesses in Ontario and Quebec. Each case study documents the specific problem, the solution we built, and the measurable financial impact. Full details available on our business banking page.
Ready-mix Concrete Manufacturing · $18M Revenue
Béton Laurentien Inc.
Problem: 300+ supplier payments per month routed through a single chequing account. Cash-flow visibility was poor — available balances were unpredictable day-to-day. Operating line utilization was chronic and expensive, driven by government receivables on net-60 and net-90 terms creating persistent timing gaps.
Solution: Zero-balance account structure with separate disbursement and collections accounts feeding a master concentration account. Automated sweep thresholds calibrated to seasonal demand patterns. $2.5M revolving facility restructured with a margining formula tied to verified government receivables instead of a flat borrowing limit.
Result: 37% reduction in operating line utilization. $68,000 saved in annual interest costs. Forecast accuracy improved from ±15% to ±4%, eliminating the need for emergency draws during quarterly payroll peaks.
Read the Full Case Study →What CFOs and Founders Say After Switching
Unedited quotes from commercial clients who moved their banking to Lacroix Accesd Affaires. Each one references a specific outcome — not a vague sentiment.
Every Service You Need — Without the Products You Don't
We don't offer personal banking, consumer mortgages, or RRSP accounts. That deliberate focus means every product below is built exclusively for commercial operations. Four service tiers — Foundations, Growth, Enterprise, and Trade & International — scale with your business.
Sharpen Your Edge: Analysis for Mid-Market CFOs
Practical analysis for businesses with $2M–$75M in revenue. No fluff, no gated content, no email-capture walls. Written by the same team that manages your accounts.
June 2026
The Hidden Cost of Banking Inertia
A detailed breakdown of the cumulative costs mid-market businesses absorb by defaulting to a Big Five bank — FX spreads averaging 150–250 basis points above mid-market, bundled fee packages that obscure $800+/month in avoidable charges, and the indirect cost of credit decisions that take 10–15 business days instead of 2.4. Includes a worked example for a $12M manufacturing company.
May 2026
Zero-Balance Accounts Explained
Why your single chequing account is a cash management liability, and how businesses with $200K+ in monthly payables can improve forecast accuracy from ±15% to ±4% using a ZBA structure with automated sweeps. Drawn from our work with Béton Laurentien — a real-world implementation, not a textbook example.
April 2026
FX Hedging for Canadian SMEs
Forward contracts, natural hedging, and spot-rate timing — explained without a finance degree. Includes a worked example on $150K/month USD payables showing how a structured FX program with institutional spreads saved one client $31,000 annually. Written by Amina Deschênes, our Manager of Trade Finance & FX.
March 2026
What Your Bank Isn't Telling You About Demand Facilities
Most Canadian operating lines are callable at any time — your bank can demand full repayment with little notice. What businesses can do about it through covenant negotiation, relationship structuring, and facility design. Practical strategies for companies with $2M–$75M in revenue who can't afford a surprise call.
Your Cash Flow Deserves Better Than a Call Center
34 clients onboarded in our first 8 months. 97% still bank with us. $186M in commercial facilities under management. One dedicated banker who answers the phone. See why businesses with $2M–$75M in revenue are making the switch.
Request Your Complimentary Account ReviewImportant Disclosures
Deposit products offered through Lacroix Accesd Affaires Ltd. are structured through arrangements with CDIC-member financial institutions. Deposits held at CDIC-member institutions are eligible for deposit insurance coverage up to applicable limits.
Service fees may apply — see our complete schedule of fees for details. A copy of our fee schedule is provided to every client prior to account opening.
Lacroix Accesd Affaires Ltd. | Ontario Business Registration No. 1046782-9 | FINTRAC MSB Registration No. M20125847 | 706 Albert Street, Ottawa, Ontario K1R 7G5
Registered under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act. Supervised by FINTRAC (Financial Transactions and Reports Analysis Centre of Canada). Operating in compliance with all applicable federal and provincial regulatory requirements.