B2B Bank

What B2B Bank does

B2B Bank is a Schedule I Canadian bank and wholly-owned subsidiary of Laurentian Bank of Canada (TSX: LB), specializing in providing banking products and services exclusively through financial advisors and mortgage brokers rather than directly to retail consumers. The bank operates from Montreal and serves the Canadian market nationwide, with a headcount of 251–500 employees and a regional Business Development Manager footprint covering every province. Its product suite falls into four pillars: (1) investment lending, including RSP loans, TFSA loans, and general investment loans distributed via the EASE online application platform; (2) mortgages (standard, re-advanceable, and HELOCs) originated through mortgage brokers; (3) deposit and savings products, including a no-fee HISA, GICs with 1–5 year terms, and a no-interest chequing account; and (4) investment account services through B2B Bank Dealer Services (Investor Access, Advisor Access, Group Access portals) and the High Interest Investment Account (HIIA), sold exclusively through licensed financial advisors.

The business model is anchored on net interest income from lending (RSP, TFSA, and investment loans, plus mortgages) and spread income on deposits (HISA, GICs, chequing), supplemented by transaction fees (overdraft interest at 21%, NSF $10, stop-payment $12.50–$20, bank drafts $10, ATM fees for non-Exchange networks) and Dealer Services fees (discount brokerage commissions, managed account fees). All products are distributed through a channel-partner model supported by regional BDMs, an inside sales team, an online banking platform, and partnerships with THE EXCHANGE Network (3,500+ surcharge-free Canadian ATMs), the Accel Network (500,000+ US ATMs), Interac, Equifax, and the Canada Deposit Insurance Corporation. The bank is CDIC-insured and subject to the Financial Consumer Protection Framework.

The current strategic posture is shaped by the parent Laurentian Bank Financial Group's pending agreements with Fairstone Bank and National Bank, which introduce ownership-level uncertainty, while organic activity is focused on rate adjustments (HISA March 2025, Prime October 2025), continued platform modernization, and brand-trademark expansion across new deposit and business-banking variants.

Name

B2B Bank

Legal name

B2B Bank

Website

https://b2bbank.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

251–500 employees

Short description

B2B Bank is a Schedule I Canadian bank and subsidiary of Laurentian Bank of Canada that delivers investment loans, mortgages, savings products, and dealer services exclusively through financial advisors and mortgage brokers across Canada.

Ownership category

akta.pro rank

Product category

Advisor Banking Services

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

B2B Channel Partners & Referral Agencies (Cross-Industry Referral) (FSAEAMAN)

akta.pro secondary industry

Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)

Keywords

• Investment lending
• Advisor banking
• Mortgage financing
• Registered savings plans
• Dealer services platform

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: B2B Bank generates revenue through interest earned on investment loans, RSP loans, TFSA loans, and mortgages provided to clients through financial advisors and mortgage brokers.
2. Deposit Products: Revenue from GIC investments, High Interest Savings Accounts (HISA), and chequing accounts where the bank earns spread income on deposits.
3. Dealer Services Fees: Fee-based revenue from B2B Bank Dealer Services including discount brokerage commissions, managed account fees, and service charges for investment accounts.
4. Account and Transaction Fees: Various account fees including dormant account fees, stop payment fees, cheque supplies, bank drafts, and overdraft charges.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

B2B Bank is a Schedule I Canadian bank that provides investment loans (RSP, TFSA, and general Investment Loans), mortgages, savings products (HISA, GICs, Money Maximizer), chequing accounts, and investment account services exclusively through financial advisors, mortgage brokers, and dealer firms across Canada. The bank supports the borrowing-to-invest and mortgage financing needs of advisor clients via its EASE online application platform, dedicated regional Business Development Managers, and a B2B Bank Dealer Services back-office infrastructure for mutual fund and investment dealers.

Product overview

B2B Bank is a Schedule I Canadian bank and subsidiary of Laurentian Bank of Canada, offering a comprehensive suite of banking products and services to financial advisors, mortgage brokers, and their clients across Canada. The product portfolio consists of core lending products (Investment Loans, RSP Loans, TFSA Loans), mortgages (standard, secondary properties, HELOCs), savings products (HISA, GICs, Money Maximizer), and investment account services (HIIA, registered plans through Dealer Services). The EASE online platform provides streamlined digital loan applications, while Online Banking serves as the primary channel for daily banking operations. Dealer Services acts as a comprehensive platform for financial professionals, encompassing brokerage services, ETF trading, and various account management tools.

Differentiator

Problem solved

Functional benefit

Brands

• EASE: Online RSP, TFSA and Investment Loan application platform
• B2B Bank Dealer Services

Products and services

• Investment Loans (RSP Loans, TFSA Loans and Investment Loans) Lending products that allow clients to borrow for investment purposes, including RSP loans to fund retirement savings contributions and TFSA loans for tax-free savings accounts, applied for through financial advisors and the EASE online platform.
• Mortgages Mortgage solutions for residential, secondary or vacation properties, and re-advanceable mortgages with HELOC options, arranged through mortgage brokers and advisors across Canada.
• High Interest Savings Account (HISA) Savings account offering competitive interest rates of up to 2.20% (as of March 2025), with no monthly fee and no minimum balance, CDIC-insured up to $100,000 per depositor per insured category.
• Chequing Account Daily banking account with no monthly fee, no minimum balance, free electronic fund transfers, bill payments, and INTERAC e-Transfer, with ATM access through THE EXCHANGE network.
• Guaranteed Investment Certificates (GICs) Non-registered and non-redeemable GICs with 1- to 5-year terms; minimum investment $100, maximum $500,000; annual interest rates ranging from 3.00% (1-year) to 3.75% (5-year) as of June 2026.
• High Interest Investment Account (HIIA) Investment savings account sold exclusively through licensed financial advisors offering competitive interest rates on investment balances and requiring a Distribution Agreement with B2B Bank.
• B2B Bank Dealer Services Back-office platform for dealer firms (mutual fund dealers, investment dealers and other financial institutions) that provides Investor Access, Advisor Access and Group Access portals, account services, ETF trading, discount brokerage, and fee-for-service options; encompasses B2B Bank Financial Services Inc., B2B Bank Securities Services Inc. and B2B Bank Intermediary Services Inc.
• Money Maximizer High-yield savings product offered through the B2B Bank banking services channel to professional and individual clients.
• Distribution Alliance Programs Programs that enable partner firms (life insurance companies, managing general agencies and deposit brokers) to distribute B2B Bank lending products including Mutual Fund Loans, Segregated Fund Loans and the RSP Loan Program.

Quantifiable outcome

• Access to over 3,500 surcharge-free ATMs nationwide through THE EXCHANGE Network
• +2 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• THE EXCHANGE NetworkcoreTechnology or IntegrationPartnership with THE EXCHANGE Network (operated by FICANEX Services Limited Partnership and Fiserv, Inc.) provides B2B Bank clients access to over 3,500 surcharge-free ATMs across Canada in every province and territory.
• Accel NetworkcoreTechnology or IntegrationAccel debit payments network partnership allows B2B Bank clients to access surcharge-free ATMs at select Accel ATMs in the United States, with over 500,000 ATMs available.
• Fairstone BankminorStrategic or Co-development PartnerLaurentian Bank (parent company) has entered into agreements with Fairstone Bank. No action required by B2B Bank clients.
• National BankminorStrategic or Co-development PartnerLaurentian Bank (parent company) has entered into agreements with National Bank. No action required by B2B Bank clients.
• EquifaxcoreTechnology or IntegrationEquifax credit verification services used to verify client identity and credit background during account applications and onboarding.
• Interac Corp.coreTechnology or IntegrationINTERAC and INTERAC Debit are registered trademarks licensed to B2B Bank for e-Transfer services and debit transactions.
• Canada Deposit Insurance Corporation (CDIC)coreOthersB2B Bank is a member of CDIC, which provides deposit insurance protection up to $100,000 per depositor per insured category for eligible deposits.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Laurentian Bank of Canada: Direct parent company and a Canadian Schedule I bank; overlaps in deposit products, mortgages, and investment lending, but offers a broader retail and commercial suite and competes with the advisor channel rather than serving it exclusively.
• National Bank of Canada: One of the Big-6 Canadian banks and the counterparty in Laurentian Bank's announced transaction; overlaps with B2B Bank in deposits, mortgages, and investment products but operates a much larger diversified franchise.
• Fairstone Bank: Canadian Schedule I bank (formerly Duo Bank of Canada) and the other named counterparty in Laurentian Bank's announced transaction; competes in deposits, lending, and consumer credit products.
• RBC Royal Bank: Canada's largest bank and a broad incumbent that serves both advisors and retail clients directly; overlaps with B2B Bank across mortgages, deposits, and investment products, but at vastly greater scale and with full direct-to-consumer distribution.
• TD Canada Trust: Major Canadian bank with deep mortgage and deposit franchises; relevant comparison for product mix and pricing benchmarks, though it competes for advisor-served clients rather than serving advisors.

Direct peers

• Manulife Bank of Canada: Canadian Schedule I bank that also serves advisors and their clients with mortgages, deposits, and investment lending, making it one of the closest direct comparisons to B2B Bank's B2B advisor-bank model.
• Equitable Bank: Canadian Schedule I bank focused on alternative mortgages, deposits (GICs, HISA), and reverse mortgages; competes with B2B Bank in broker-channel mortgages and retail deposit products.

Emerging players

• Questrade: Canadian self-directed brokerage and deposit-taking platform relevant to B2B Bank's Dealer Services and HIIA franchise; competes indirectly for advisor and self-directed investor deposits and account balances.
• Industrial Alliance (iA Financial Group): Canadian insurer and wealth manager with a dealer platform (iA Private Wealth) and segregated fund capabilities that compete with B2B Bank's Distribution Alliance Programs for life-insurance-channel lending.

Regional players

• Alterna Bank: Canadian Schedule I bank serving the credit union system with deposits and loans; relevant regional comparison for advisor-channel deposit and lending economics, though primarily serving Ontario-based credit unions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/b2b-bank
• Xx.com/b2b_bank

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about B2B Bank