Navigate Your Region: A Local-First Approach
British Columbia & Alberta — two provinces, one team, zero compromise on quality
Schedule a consultation at our Surrey office →Since founding Foxworth Consulting in 2020, we've served mid-market companies across British Columbia and Alberta — 42 companies spanning 16 industries, from Fraser Valley logistics operators to Calgary energy services firms. Our Surrey headquarters at 14365 108 Avenue is the operational hub — where quarterly workshops happen, where every deliverable gets its three rounds of review, where the coffee machine runs nonstop. But we're on-site wherever the engagement requires. Geography doesn't dilute our process. It expands our reach. Every client receives the same team of six, the same fixed-fee structure, and the same obsessive attention to detail — whether the meeting room window overlooks the North Shore Mountains or the Bow River.
Two Regions. One Standard.
Surrey, BC — Headquarters
14365 108 Avenue, Surrey, British Columbia V3T 5A1
Monday–Friday, 8:30 AM – 5:00 PM Pacific
Full team of 6 — Nadia Foxworth (Founder & Principal Consultant), Derek Tsang (Senior Banking Strategist), Priya Sandhu (Treasury & Cash Management Consultant), Marcus Riel (Banking Product Analyst), Angela Chen (Client Engagement Manager), and Tom Berezowski (Research & Data Associate). All six team members operate from this location — no satellite offices, no subcontractors, no outsourced analysts.
Dedicated client meeting space available for in-person engagements, discovery sessions, and collaborative workshops. The room accommodates up to twelve people and includes presentation equipment for lender rehearsals and term sheet walkthroughs. Coffee is always on. Parking is free in the building lot.
Quarterly client education workshops hosted on-site — half-day sessions covering topics like account analysis statement interpretation, covenant compliance mechanics, and merchant processing economics. Open to all current and past clients at no charge. Prospective clients are welcome at a nominal $200 fee. See our Resources page for the upcoming workshop schedule.
- Banking Relationship Audit
- Credit Facility Structuring & Negotiation
- Treasury & Cash Management Design
- Covenant Compliance & Monitoring
- Banking RFP Management
- Fee Benchmarking & Negotiation
- Banking Foundations (Growth-Stage)
All seven service lines are delivered from this location. See current pricing for engagement fee ranges.
Logistics and transportation, manufacturing, healthcare services, real estate development, digital media and technology, agri-foods and agricultural processing, construction and trades, professional services. Our BC client base spans companies from $2M growth-stage firms using our Banking Foundations program to $200M+ enterprises requiring comprehensive Banking Relationship Audits across multiple institutions.
Schedule I banks (Western Canada divisions — RBC, TD, BMO, Scotiabank, CIBC commercial branches throughout the Lower Mainland and Fraser Valley), BC credit unions (Vancity, Coast Capital, BlueShore Financial, Westminster Savings), and Schedule II banks with commercial operations in the province. We know the branch-level commercial lending appetites — which institutions are aggressively pursuing mid-market manufacturing clients, which credit unions have competitive commercial real estate term lending, and the quirks of doing business in the Lower Mainland, Fraser Valley, Okanagan, and Vancouver Island markets. This granularity comes from 42 real engagements, not industry reports.
34 companies currently or previously served across the province — from the Fraser Valley to the Okanagan, with the majority concentrated in the Metro Vancouver and Surrey corridors.
Alberta — Service Region
Calgary, Edmonton, Red Deer, Lethbridge, and surrounding communities. The majority of our Alberta engagements are concentrated in the Calgary–Edmonton corridor, though we've served clients as far south as Lethbridge and as far north as Grande Prairie for specialized credit facility advisory work.
On-site engagement periods (typically 2–5 day visits) combined with remote advisory between visits. Discovery sessions, lender meetings, and knowledge transfer workshops are conducted in person at your offices. Analysis, benchmarking, deliverable preparation, and the three rounds of internal review happen at our Surrey headquarters. Travel costs are included in fixed engagement fees for all Alberta clients — no surprise line items on invoices, no expense reports to review, no mileage charges. One fee. One scope. One letter of engagement. See our Pricing page for details on how Alberta engagement fees are structured.
Derek Tsang, MBA, CFA — based in Surrey, travels to Alberta for all client engagements. Derek spent eleven years in commercial banking at CIBC and TD before joining Foxworth Consulting in 2021, and brings first-hand knowledge of how Alberta's commercial lending desks evaluate credit risk across energy-adjacent and non-energy sectors alike. Read more about Derek and the team.
- Banking Relationship Audit
- Credit Facility Structuring & Negotiation
- Treasury & Cash Management Design
- Covenant Compliance & Monitoring
- Banking RFP Management
- Fee Benchmarking & Negotiation
- Banking Foundations (Growth-Stage)
Every service available in BC is available in Alberta — identical scope, identical deliverables, identical team. The only variable is the on-site travel schedule, which is coordinated with your team during scoping.
Energy services (oilfield services, midstream operators, renewable energy developers), agriculture and agri-processing, logistics and transportation, construction and heavy civil, professional services. Alberta's industry mix creates banking challenges that differ meaningfully from BC — commodity-cycle-driven revenue volatility, seasonal cash flow patterns in agriculture, and lending covenants that must account for energy-sector uncertainty. We build those realities into every recommendation.
Alberta-specific lending appetites of Schedule I banks (including the distinct commercial banking cultures of Calgary vs. Edmonton branches), ATB Financial's unique position as an Alberta Crown corporation with competitive commercial lending products, and the growing presence of Schedule II banks in the province's mid-market. We understand how energy-sector volatility shapes commercial credit decisions — from advance rate compression during commodity downturns to the covenant structures that energy services companies negotiate differently than their BC counterparts. Our benchmarking data includes Alberta-specific fee comparisons, ensuring our recommendations reflect the actual market our clients operate in.
8 companies currently served — a number that's grown steadily since we began serving Alberta in 2024. Our Alberta engagements range from fee benchmarking for a $12M construction firm in Red Deer to a comprehensive Banking Relationship Audit for a $90M energy services company in Calgary.
We considered opening a Calgary office. Then we did the math. A local office adds overhead — rent, utilities, administrative staff — that gets passed to clients through higher fees. Our Alberta clients prefer a lower engagement fee over a local address they'd visit once. So we travel. Same team. Same process. Same obsessive three rounds of review on every deliverable. The only difference is the view from the meeting room window. When an Alberta client needs us on-site urgently — like a covenant breach situation — Derek is typically on a flight within 24 hours. The response time isn't limited by geography; it's driven by the urgency of your situation.
42 Companies Across Two Provinces
42 mid-market companies served across 16 distinct industries since 2020 — from Fraser Valley logistics firms and Lower Mainland healthcare groups to Okanagan agri-food processors and Calgary energy services companies. The banking challenges change with geography, industry, and scale. Our rigour doesn't. Every engagement receives the same fixed-fee structure, the same team of six, and the same three rounds of deliverable review that have generated $14.2 million in documented client savings across the combined footprint.
How a Multi-Region Engagement Works
Whether you're a BC company meeting us at our Surrey headquarters or an Alberta firm hosting Derek at your Calgary boardroom, the engagement follows the same structured process:
- Scoping call (15 minutes, no charge): We assess your banking situation, determine the right service line, and quote a specific fixed fee — confirmed in a written letter of engagement before any work begins.
- Discovery phase (on-site): For BC clients, this happens at our Surrey office or your location. For Alberta clients, Derek and relevant team members fly in for a 2–5 day on-site period to gather documentation, interview your finance team, and understand operational context that spreadsheets alone can't convey.
- Analysis & deliverable development (Surrey HQ): All analytical work, benchmarking, and deliverable preparation happens at headquarters — where our full team collaborates, cross-checks data, and puts every document through three rounds of review. Nadia reviews all credit facility recommendations personally. Derek cross-checks all fee benchmarking analyses.
- Presentation & knowledge transfer (on-site or remote): Findings are presented in person whenever possible. For Alberta, this typically means a return trip. We walk your team through the reasoning, the math, and the trade-offs — because an unread deliverable is a worthless deliverable.
- 30-day post-engagement support: Implementation questions answered at no additional charge. Access to our quarterly education workshops continues indefinitely.
The process is identical regardless of province. The only variable is travel logistics — and those are our problem to manage, not yours.
Regional Impact by the Numbers
Wherever Your Banking Needs Are
Same fixed fees. Same team. Same thoroughness. Same three rounds of review on every deliverable. Geography doesn't change our process — it just means Derek racks up more airline points. Every engagement starts with a 15-minute call. No pitch deck. No pressure. Just a candid conversation about your banking situation.
Schedule a Consultation at Our Surrey Office Or call (778) 546-4467 to discuss an Alberta engagementImportant Disclosures
Foxworth Consulting Ltd. is an independent financial consulting firm. We are not a licensed bank, credit union, deposit-taking institution, or mortgage broker. We do not accept deposits, originate loans, or hold client funds.
Foxworth Consulting Ltd. does not receive commissions, referral fees, or any form of compensation from financial institutions. All advisory fees are paid exclusively by clients.
Service fees vary by engagement scope — see our Pricing page for current engagement fee ranges and structures.
Foxworth Consulting Ltd. | BC Business Registration No. BC1287445 | Professional Liability Insurance Policy #PLI-2024-FWC-00892 through Sovereign Insurance
Registered Office: 14365 108 Avenue, Surrey, British Columbia V3T 5A1
Regulated under the British Columbia Business Practices and Consumer Protection Act. Members of the Institute of Management Consultants British Columbia.