Your Business Banking Division Deserves a Sharper Strategy
You've watched competitors capture the owner-operated and family-run market while your institution's commercial pipeline stalls. Here's why that matters: the gap between where your division is and where it could be isn't about effort — it's about methodology.
Start the ConversationWhere We Focus Our Analysis
Every engagement begins with a specific problem your institution faces. Think of it this way: a general practitioner can identify symptoms, but a specialist traces them to root causes. That's the difference between generic advice and what we do.
Deposit Growth Strategy
Your institution's deposit base is the engine that funds every commercial loan. We map your current portfolio composition, identify segments with untapped potential, and build acquisition strategies that deliver measurable growth within 12 months.
Commercial Credit Underwriting
Inconsistent underwriting decisions cost banks in both lost deals and elevated risk. We audit your credit decisioning framework, benchmark it against peer institutions, and retool your policy documentation to sharpen approval accuracy.
Cash Flow Management Advisory
Owner-operated businesses live and die by cash flow. We help your relationship managers deliver treasury management plans that solve real liquidity problems — the kind that turn a one-product client into a full-relationship account.
SBA Lending Consulting
SBA programs remain underutilized at most community institutions. We build your team's fluency in 7(a), 504, and Express products, streamline your application pipeline, and help you capture a borrower segment that larger banks routinely overlook.
Why Institutions Choose Roy Capital
You've called three consulting firms. Two sent generic proposals that could have been written for any bank in any province. The third never followed up. That's why we operate differently — every engagement starts with your institution's specific data, not a templated playbook.
Here's why that matters: when a consultant doesn't understand the difference between a $200M credit union's commercial portfolio and a $2B regional bank's, their recommendations miss the mark. We calibrate every deliverable to your asset size, market position, and competitive landscape.
Rigorous, Not Theoretical
Our recommendations are built on portfolio data and peer benchmarks — not industry platitudes. Every finding comes with a source, a comparison, and a specific action item your team can execute.
Built for Community Lenders
Since 2016, our sole focus has been banks and credit unions serving owner-operated and family-run businesses in British Columbia. That specialization means faster ramp-up time and deeper insight.
Profit and Principle
Profit is important, but it's not the only metric we track. We price engagements fairly, prioritize sustainable growth over short-term gains, and volunteer 5% of our billable hours to community financial literacy programs across Vancouver.
What Our Clients Report
"Roy Capital reviewed our commercial credit policy over a six-week engagement. Within the first quarter after implementation, our approval-to-close ratio improved from 62% to 78%. The credit policy review document alone justified the entire engagement fee."
— Director of Commercial Lending, Vancouver-based Credit Union
"Their deposit growth strategy identified three underserved segments in our market area that we had completely overlooked. We added $14M in new business deposits in the first year — a 22% increase over our prior 12-month total."
— SVP of Business Banking, Regional Bank, British Columbia
"The SBA lending consulting engagement restructured our entire application workflow. Processing time dropped from 34 days to 19 days, and our SBA volume increased 41% year-over-year. The ROI was clear within six months."
— Chief Lending Officer, Community Bank, Lower Mainland