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John Pelley is a co-founder of Colibri Financial Services Agents, a Bedford, Nova Scotia firm that provides independent, outsourced fractional treasury-manager services — reviewing and negotiating banking fees, loan structures, and merchant-services costs on behalf of businesses. The firm accepts no compensation from financial institutions and charges based on the savings it identifies. He joined the podcast to discuss fractional treasury management and how business owners can review banking fees, loan structures, and merchant-services costs.