A 5% move in USD/CAD on CAD 3M in annual payables is CAD 150,000. For most Canadian importers, that number is carried, not managed.
The conversation is always the same. The bank calls. The bank quotes a rate. The person deciding, often the controller, often the founder, decides on the spot: no policy in front of them, no view of how much exposure is already covered, no record of what last quarter's coverage was.
That is not a treasury function. That is a recurring guess.
The enterprise tool was built for someone else.
Enterprise treasury platforms start near CAD 50,000 a year and assume a dedicated treasury team. For a Canadian business doing CAD 20M in revenue with one finance lead, that is not a fix. It is one more reason to default to the bank's agenda.
The layer in between.
A finance team of one should be able to:
- See every exposure in one place, tagged by pair, maturity, and materiality.
- Hold a written policy that states, in plain English, what share of each bucket should be covered.
- Walk into the next bank call already knowing the exposure, the gap, and the coverage policy requires.
15 minutes a day.
15 minutes a day. A defensible number instead of a forecast guess.
We built it from both sides of the desk: years in foreign exchange across traditional bank FX, institutional FX, and fintech partnerships, and a long line of finance leaders saying the existing tools were too expensive, too generic, or too tied to one provider's execution.
No execution incentive.
PolicyFX does not execute, and it never will. Our incentive is your discipline, not your trade volume.
When it works, the next quote is better informed, the next board pack is shorter, and month-end is no longer a surprise.