Steven and Dave spent over forty years between them on bank corporate desks, where the largest clients received the sharpest prices and a call whenever the market moved. Everyone else received a rate card.
The companies a floor below, importers, distributors and manufacturers with a few million dollars of exposure a year, carried the same risk with none of the counsel. In 2026 they left to build a desk for those companies: institutional pricing, a written hedging policy, and a dealer who knows the book.
The firm is independent and privately held, and based in Toronto.
