Banking

John Pelley, co-founder of Colibri Financial Services Agents, describes fractional treasury management for small businesses. Listeners learn where companies commonly overpay, from banking fees to merchant services, and why loan structure rather than just the rate shapes the true cost of borrowing.

Cato Pastoll of Loop returns to tackle a stubborn problem: opening US bank accounts for Canadian businesses. He describes why traditional banks often require an in-person visit across the border, how a multicurrency card works, and what a bundled banking platform brings together in one place.

Currency specialist Shane Slater of FirmaFX explains foreign exchange from a business owner's perspective. He breaks down the real costs of converting currency, what hedging is and how it removes exchange-rate risk, and why hedging strategy depends on each business's margins and exposure.