Business Banking That Knows Your Industry
A relationship manager with a direct phone number. Industry-specific underwriting that accounts for seasonal revenue, receivables, and sector trends. Every lending decision made locally at our Surrey headquarters — not forwarded to a centralized office 4,000 km away.
Built for Owner-Operators Earning $250K to $10M
Four service categories. One relationship manager. Zero runaround. Every product below is available at all five branch locations across the Fraser Valley.
Business Operating Accounts
Tiered transaction pricing that scales with your volume — so you're never overpaying during slow months or hitting surprise caps during busy ones. Merchant POS solutions with next-day settlement. Business Visa with custom spending limits per cardholder. Integrated payroll through direct deposit or bulk e-Transfer. Your assigned relationship manager handles the entire setup — and stays with you for the life of the account.
50 transactions included at $14.95/month. Additional transactions at $0.65 each, or upgrade to unlimited at $29.95/month. Electronic-only accounts for registered non-profits at $0/month with unlimited e-Transfers.
Commercial & Equipment Lending
$50K–$2M for established businesses with at least 24 months of operating history. Seasonal cash flow analysis that recognizes your industry's rhythm — construction, agriculture, hospitality, professional services. Receivable-based structuring for practices and firms with predictable billing. Equipment-secured lending with no personal real estate guarantees for qualified applicants carrying a debt service coverage ratio of 1.25× or higher. Average turnaround: 5–14 business days from complete application to funding commitment.
Every application is reviewed by a human underwriter — Thomas Grenier, Priya Dhillon, or David Okafor — not an algorithm. They'll call you directly if they have questions.
Business Lines of Credit
Revolving credit facilities from $25K to $500K for working capital, inventory purchasing, or bridging receivables gaps. Flexible draw schedules — draw what you need, repay on your terms, only pay interest on what's outstanding. Industry-aware underwriting that accounts for seasonal revenue patterns, sector-specific margins, and multi-year trends — not just the last quarter's P&L statement.
Prime + 1.25% to Prime + 2.75%, based on risk profile and collateral structure. Annual review with your relationship manager to adjust limits as your business grows. No early repayment penalties. No draw fees.
Non-Profit & Community Accounts
Fee-reduced banking designed specifically for registered charities, societies, and community organizations across British Columbia. $0 electronic transactions — unlimited e-Transfers, bill payments, and direct deposits at no charge. GIC rate bonus of 0.15% above posted rates for registered non-profits holding term deposits of $25K or more. Board treasurer training sessions twice per year — led by our CFO, Angela Chen, covering cash management, CRA reporting requirements, and reserve fund strategies.
We currently serve over 35 non-profit organizations across Surrey, Delta, Langley, and Abbotsford, including youth sports leagues, cultural societies, and community health organizations.
Stop Waiting Six Weeks for an Answer: Without vs. With RosalBank
Without RosalBank
- Six-week loan reviews with no status updates
- A new rep every 18 months due to branch rotation
- Decisions made in Toronto by someone who's never visited Surrey
- Personal home guarantee required on equipment loans
- Rates you have to negotiate — the posted rate is just a starting point
- Generic financial templates that ignore your industry
With RosalBank
- 8-day average turnaround from complete application to decision
- Same relationship manager, period — no rotations
- Decisions made at 14921 90 Avenue, Surrey by people who live here
- Equipment-secured lending, no home guarantee for qualified applicants
- Posted rate is the real rate — no negotiation required
- Industry-specific underwriting that understands your revenue cycle
The Difference
Speed. Continuity. Clarity.
Our commercial lending team lives in the communities they serve. Thomas Grenier knows Surrey's industrial corridors — from the Bridgeview warehouse district to the Newton business parks. Priya Dhillon reads your financials with a CPA's precision, spotting opportunities your last bank missed. David Okafor ensures every loan meets Qualified Mortgage lending standards and structures repayment schedules around your actual cash flow.
Three people. One conversation. A decision you can plan around. That's the model we've followed since Marco Rosal founded this bank in 2014, and it's the reason 94% of our business clients stay year after year.
Numbers That Prove the Model Works
Since 2014, RosalBank has grown through referrals — not advertising. These are the metrics our business clients care about most.
Real Businesses That Saved Thousands by Switching
C
Cascade Plumbing & Heating — $175K Equipment Loan
Problem: Previous bank wanted 6 weeks for review, prime + 2.80% on the rate, and a personal home guarantee against the owner's Surrey residence — all for a fleet of service vans and diagnostic equipment that held strong resale value.
Solution: Thomas Grenier reviewed Cascade's three years of financials, recognized the steady seasonal pattern in their revenue, and structured the loan secured entirely against the equipment. 8-day turnaround from application to funding commitment. Prime + 1.60%. No home guarantee.
Result: 23% more service calls enabled by the new fleet. Annual revenue grew from $3.2M to $3.94M in 12 months. Interest savings of $4,200/year compared to the competing offer.
F
Fraserview Dental — $420K Clinic Buildout
Problem: Existing bank priced the tenant improvement loan as unsecured at prime + 3.25% because the leasehold improvements couldn't be collateralized under their standard model. The bank also required a personal guarantee from both partners and a 15% down payment.
Solution: Priya Dhillon structured the loan against patient receivables and BC Dental Association fee guide projections, demonstrating predictable cash flow from an established patient base of 2,800 active records. Prime + 1.85%, 10% down, no personal guarantee beyond the practice assets.
Result: $5,880/year in interest savings. Clinic reached cash-flow positive in five months — two months ahead of projections. The expanded space added two operatories, increasing appointment capacity by 40%.
What Business Owners Across Surrey Actually Say
"We applied for a business line of credit at our old bank and waited five weeks with no answer. No updates, no phone calls — just silence. At RosalBank, Thomas reviewed our financials, asked specific questions about our seasonal revenue pattern in the HVAC shoulder season, and gave us a commitment within nine days. The rate was lower, the terms were clearer, and I've had the same direct phone number for Thomas since day one."
"I needed tenant improvement financing for a new clinic location on 152nd Street. My existing bank treated it like an unsecured personal loan — high rate, personal guarantees on everything, and they wanted me to put up my house. RosalBank structured the loan against practice receivables and the fee guide. Priya understood our billing cycle better than my own accountant. The clinic was cash-flow positive in five months, and I didn't lose a single night of sleep over it."
Every Tool Your Business Needs — No Add-On Fees
Direct Phone Number — No Queue
Your relationship manager's direct line is printed on the business card they hand you at your first meeting. No 1-800 queue. No phone tree. No repeating your account number to a stranger in a call center. When you dial that number, the person who picked up your application is the person who answers. If they're with another client, they call back the same day — guaranteed.
Commercial-Grade Security
Multi-factor authentication on every business banking login — desktop and mobile. Real-time transaction alerts via SMS or email for every withdrawal, transfer, and payment above your chosen threshold. Fraud monitoring tuned specifically for commercial patterns — payroll cadences, vendor payment schedules, seasonal spikes in purchasing. Our security team, led by Samira El-Masri, monitors alerts 24/7 and contacts you directly if something looks unusual. Learn more on our security resources page.
Quarterly Financial Health Reviews
Every business client receives a quarterly review framework. Your advisor walks through cash flow trends, debt service coverage ratios, upcoming obligations, and opportunities you might not have considered — refinancing at a lower rate, restructuring payment schedules, or opening a high-interest reserve account for surplus cash. This isn't a sales pitch. It's a diagnostic session designed to keep your business financially healthy and positioned for growth.
Tax Reporting — On Time, Every Time
T5s, T4As, and every form your accountant needs — prepared accurately and delivered on schedule. Loan amortization tables, annual interest summaries, and transaction history exports available on demand through online banking. Downloadable in CSV, PDF, or direct integration formats compatible with QuickBooks, Xero, and Sage. No more chasing your bank during tax season.
Know Your Customer — One Visit
KYC verification for business accounts takes one visit at any of our five branch locations. Bring incorporation documents (certificate of incorporation or partnership agreement), two pieces of government-issued ID for each signing authority, and your CRA business number. We handle the verification, set up your account structure, issue business Visa cards, and configure online banking access — all in the same appointment. Most business accounts are fully operational within 48 hours.
Business Mobile Banking — Built In-House
Mobile cheque deposit for amounts up to $25,000/day. Bulk e-Transfers for payroll or vendor payments — up to 200 recipients per batch. Payroll approvals with dual-authorization for businesses requiring two-signature controls. Built in-house by Samira El-Masri's technology team at our Surrey headquarters — not licensed from a third-party vendor. Designed for speed, security, and the specific workflows business owners actually use. Available on iOS and Android.
Industry-Specific Expertise Across Key Sectors
Our commercial lending team has deep experience in the industries that drive British Columbia's economy. We understand the revenue cycles, margin structures, and capital needs unique to each sector.
Trades & Construction
Equipment financing, progress draw facilities, and seasonal lines of credit structured around project timelines. We understand holdback schedules, bonding requirements, and the cash flow gaps between milestone payments.
Healthcare & Professional Practices
Tenant improvement loans, practice acquisition financing, and receivable-based credit lines. Fee guide projections, MSP billing cycles, and patient volume data inform our underwriting — not just your personal credit score.
Hospitality & Food Service
Working capital lines that account for seasonal tourism patterns. Equipment leasing for commercial kitchens. POS integration with same-day settlement. We've financed restaurants, catering companies, and boutique hotels across the Fraser Valley.
Transportation & Logistics
Fleet financing from $50K to $2M. Fuel card programs. Seasonal credit facilities that flex with shipping volumes. We structure repayment around your contract schedules, not arbitrary monthly installments.
Retail & E-Commerce
Inventory financing, merchant services with competitive interchange rates, and revolving credit lines scaled to buying seasons. Integrated POS systems with real-time reporting through your business banking dashboard.
Commercial Real Estate
Term commercial mortgages for owner-occupied properties, investment properties, and mixed-use developments. Competitive rates, flexible amortization up to 25 years, and local appraisers who understand Fraser Valley market values.
Your Relationship Manager's Direct Number
It's on the business card. Not a 1-800 queue. Not a call center. The person who reviews your application is the person who picks up the phone. Walk into any of our five branches, or call right now — we'll connect you with the right specialist in under two minutes.