FOXWORTH CONSULTING
Independent Banking Advisory for Companies That Outgrew Generic Advice
Since 2020, our six-person team has helped mid-market companies across British Columbia and Alberta recover $14.2 million in banking fee reductions and improved facility terms. Fixed-fee engagements. Zero bank commissions. Every dollar of advice paid for by you — not by the institutions we negotiate against.
See what we've done for 42 mid-market companies →
Cascade Pacific Logistics
Northline ManufacturingReal Companies. Measurable Recoveries. Lasting Knowledge.
Every engagement includes an educational component — not as an afterthought, but as a core deliverable. These clients didn't just save money. They learned how to manage their banking independently. That's the standard we hold ourselves to across all six service lines.
Before Foxworth Consulting, I would sit across from our banker and nod along. After the engagement, I can read our account analysis statement, I know what our borrowing base should look like, and I negotiated our last facility renewal myself. Nadia's team didn't just fix our banking — they taught us how banking works.
We were 72 hours from a covenant breach triggering cross-default across three construction loan facilities. Derek Tsang was in our boardroom the next morning with a plan. We resolved the situation without a single draw delay. I sleep better knowing the covenant dashboard his team built is now part of our monthly reporting.
We thought we were getting a fair deal on our $40 million credit facility because we'd been with the same bank group for years. Foxworth Consulting showed us — with actual comparable data — that our advance rates, covenants, and fees were all below market. The renegotiation recovered over $600,000 in value across the facility term.
23 Years on the Bank's Side of the Table — Now Exclusively on Yours
Three members of our team spent a combined 23 years inside the commercial banking divisions of CIBC, TD, and Scotiabank. They know how banks price products, evaluate credit risk, build fee schedules, and make internal approval decisions. Derek Tsang spent eleven years on commercial lending desks. Marcus Riel spent six years pricing commercial deposit and lending products. Priya Sandhu managed corporate treasury operations at Finning International and Ledcor Group.
That institutional knowledge is now deployed exclusively for our clients — mid-market companies with $8M to $400M in annual revenue across 16 industries in British Columbia and Alberta. We earn our fees from you, never from banks. No referral arrangements, no placement commissions, no soft-dollar relationships of any kind. When we tell you a fee is above market or a covenant is unnecessarily restrictive, that assessment is unencumbered by any bank-side incentive.
Every engagement is fixed-fee, scoped in advance, and documented in a letter of engagement before work begins. Every deliverable passes through three rounds of internal review. And every engagement includes a knowledge transfer component so your team can maintain the improvements long after we leave. We engineer our own obsolescence — and our 97% client retention rate proves that's exactly why companies keep coming back.
Six Ways We Make Opaque Banking Fees Transparent
Most mid-market companies overpay for banking services by 15–40% in at least one category. They don't know it because fee structures are deliberately opaque — buried in account analysis statements most CFOs file without reading, tucked into covenant definitions that vary between lenders, and layered into commitment fees that are rarely benchmarked. We make all of it transparent. Here are six ways we do that.
Banking Relationship Audit
A complete, line-by-line inventory of every banking product, account, fee schedule, and service agreement your company holds — across all institutions. We catalogue every fee charged over the prior 12 months, evaluate product utilization rates, and identify overlaps or gaps. Most companies discover $50,000–$200,000 in annual overpayment. The average finding: a 27% reduction in total annual banking costs. Duration: 4–8 weeks.
Explore this service →Credit Facility Structuring
You walk into your next credit negotiation with benchmarked term sheets, a prepared credit narrative, and someone who's sat on the bank's side of the table. We prepare the credit application package, build the borrowing base model, benchmark proposed terms against anonymized data from real mid-market facilities, and coach management through lender presentations. The information asymmetry disappears. Duration: 6–16 weeks.
Explore this service →Treasury & Cash Management
How money moves into, through, and out of your organization — redesigned for visibility and speed. Cash concentration, zero-balance accounts, controlled disbursement accounts, ACH origination with NACHA compliance, lockbox services, and payment optimization. Particularly potent for multi-location businesses or companies transitioning from owner-managed cash handling to structured treasury operations. Duration: 4–10 weeks.
Explore this service →Covenant Compliance & Monitoring
Covenants are the tripwire in every lending agreement — and the definitions vary significantly between lenders. We interpret tangible net worth calculations, DSCR definitions, and EBITDA adjustments specific to your agreements, build compliance dashboards, model future scenarios against your actual covenant thresholds, and prepare you before the 2 AM panic call to your banker. Ongoing retainer or project-based.
Explore this service →Banking RFP Management
Ready to change banks or re-bid your services? We draft the RFP, pre-qualify candidates (Schedule I banks, Schedule II banks, and BC credit unions like Vancity, Coast Capital, and BlueShore), build the apples-to-apples comparison matrix with weighted evaluation criteria, and facilitate final selection. Most mid-market companies change banks once every 5–10 years. We've managed the process dozens of times. Duration: 8–14 weeks.
Explore this service →Fee Benchmarking & Negotiation
Focused analysis of what you pay versus what you should pay — using anonymized, aggregated data from real mid-market engagements across 42 companies and 16 industries. Account maintenance fees, transaction charges, wire fees, merchant processing rates (interchange-plus versus blended pricing), cash management service fees, and commitment fees. About 30% of our clients start here before expanding to a full audit. Duration: 3–4 weeks.
Explore this service →Growing company under $15M in revenue? Our Banking Foundations program builds scalable banking infrastructure in four weeks — starting at $15,000.
Numbers. Not Promises.
Every figure below is documented and verifiable. We don't use industry surveys or generic benchmarks. These numbers come from real engagements with real mid-market companies — the same data quality we bring to every client project.
In documented annual banking fee reductions and improved facility terms delivered to clients since our founding in 2020
Client retention rate — companies that finish one engagement come back for more or move to a quarterly retainer
Mid-market companies served across British Columbia and Alberta, spanning 16 distinct industries from agri-foods to digital media
Average reduction in total annual banking costs identified during initial Banking Relationship Audit engagements
From First Call to Lasting Results in Three Steps
We've refined this process across 42 engagements. It's designed to deliver maximum clarity with minimum disruption to your operations — and to leave your team stronger than we found them.
15-Minute Scoping Call
You describe your banking situation. We listen, ask targeted questions, and assess whether there's genuine value we can add. If there isn't, we'll tell you — we've turned away companies when the opportunity didn't justify the engagement fee. If there is, we quote a specific fixed fee and document the scope, timeline, and deliverables in a letter of engagement before any work begins. No pitch deck. No pressure. No ambiguity.
Forensic Analysis & Execution
Our team digs into your banking data — fee schedules, account analysis statements, credit agreements, covenant definitions, payment processing rates — with the thoroughness of people who've sat on both sides of the table. Every deliverable passes through three rounds of review. Nadia Foxworth reviews all credit facility recommendations personally. Derek Tsang cross-checks all fee benchmarking against his internal pricing models built from 11 years at CIBC and TD.
Knowledge Transfer & Independence
You receive actionable deliverables — not a 200-page report that gathers dust. More importantly, we walk your team through the reasoning, the math, and the trade-offs so they can maintain improvements independently. Thirty days of post-engagement support is included. Access to our quarterly education workshops continues at no charge. The goal: you understand your own banking well enough to negotiate your next facility renewal without us.
Join 42 Companies That Stopped Overpaying for Banking
Every engagement starts with a 15-minute call. No pitch deck. No pressure. We listen to your banking situation, and if we can help, we tell you exactly how, how long, and how much. If we can't add value that justifies our fee, we'll say so — our reputation depends on honesty, not volume.
Book Your Free 15-Minute Strategy Call Or call us directly at (778) 546-4467 | contact@fxwrthcnsltng.comServing mid-market companies from our Surrey, BC headquarters — with on-site engagements across British Columbia and Alberta.