Your Confidence Deserves Evidence, Not Promises

Deposit Growth Strategy 16-week engagement

"Our business deposit portfolio had been flat for three years — $82M, barely moving. Roy Capital's segmentation analysis identified that 68% of our commercial accounts held deposits at competitor institutions for treasury services we already offered but had never positioned effectively. Within 12 months of implementing the targeting matrix, we captured $14.2M in new business deposits. Our cost of funds on the new accounts averaged 22 basis points below our institutional average. The engagement fee paid for itself within the first quarter."

— SVP of Business Banking, Regional Bank, British Columbia (Assets: $940M)

Commercial Credit Underwriting Advisory 12-week engagement

"Before the engagement, our commercial loan approval timeline averaged 34 business days. Our credit policy hadn't been updated since 2019, and different underwriters were applying different interpretations of the same risk rating criteria. Roy Capital audited every section of the policy, redesigned the approval authority matrix, and conducted calibration exercises with our six-person underwriting team. Post-implementation, our average approval timeline dropped to 18 business days, and inter-rater reliability on sample files improved from 61% agreement to 87%. Two of our underwriters told me it was the most useful training they'd received in a decade."

— Chief Lending Officer, Community Bank, Lower Mainland (Assets: $420M)

SBA Lending Consulting 14-week engagement

"We were processing an average of 4 SBA loans per quarter — nowhere near our market potential. The pipeline assessment revealed that 40% of eligible inquiries were being routed to conventional products because our relationship managers lacked the training to identify SBA-qualified borrowers. Roy Capital restructured our intake workflow, trained the team on 7(a) and Express eligibility criteria, and built a pre-qualification screen that reduced unnecessary document collection by half. Within two quarters, our SBA volume increased to 11 loans per quarter, and our processing time dropped from 31 days to 17 days. We're now building the track record to pursue Preferred Lender status."

— Director of Commercial Lending, Credit Union, Fraser Valley (Assets: $310M)

Cash Flow Management Advisory 10-week engagement

"Our products-per-relationship ratio in the commercial division was 1.8 — well below the 3.0 we knew was achievable. The issue wasn't product availability; it was how our team presented those products. Roy Capital built segment-specific treasury management plan templates for our five largest industry verticals and trained our relationship managers to lead with cash flow diagnostics instead of product pitches. In the 12 months following implementation, our products-per-relationship climbed to 3.2, and commercial fee income increased by $380,000. One of our relationship managers told me the conversation framework 'finally made treasury management make sense' to her clients."

— EVP of Commercial Banking, Regional Bank, Vancouver Island (Assets: $780M)

Deposit Growth + Credit Policy (Combined) 22-week engagement

"We engaged Roy Capital for a combined deposit growth and credit policy engagement because the two problems were interconnected — our portfolio concentration was limiting deposit growth, and our credit policy wasn't calibrated for the business segments we needed to attract. The diagnostic revealed that our risk rating framework was systematically overcautious on three industry categories that represented our highest growth potential. After policy recalibration and a targeted deposit strategy for those segments, we added $8.7M in new commercial deposits and originated $12.4M in new commercial loans — all within risk parameters that our examiners subsequently validated. The combined engagement cost was significant, but the return was multiples of the investment."

— President and CEO, Community Credit Union, Greater Vancouver Area (Assets: $560M)

Treasury Management Plan Development 8-week engagement

"Roy Capital's treasury management plan templates gave our team a structure that didn't exist before. Prior to the engagement, each relationship manager approached treasury conversations differently — some well, most not at all. The standardized templates reduced preparation time from hours to minutes and gave our newer RMs the confidence to have consultative conversations they'd been avoiding. Treasury service adoption among existing commercial clients increased 44% in the first six months. The plan templates are now a permanent part of our onboarding process for new hires."

— VP of Treasury Services, Regional Bank, British Columbia (Assets: $1.1B)