For Canadian small businesses

Your business account
is full of money that
isn’t doing anything.

Not because you’re careless — because it’s already spoken for. Tax you’ve set aside. Payroll waiting for the next run. GST you collected in week one and remit in week seventeen. It all sits still, and it all has to stay reachable.

Book a 15-minute call → How it works

Fifteen minutes, no deck. We’ll tell you on the call if it isn’t a fit.

Committed isn’t the same as spent

You probably don’t think
you have idle cash.

Most owners don’t. But committed money still sits still for weeks or months before it leaves — and because it has to stay available, a GIC was never an option for it.

Tax set aside

Put away all year, handed over after year-end. It has to be there in full on the day it’s due.

Payroll

Works one day a month. The other twenty-nine it waits.

GST collected

Collected in week one, remitted in week seventeen. Four months of holding someone else’s money.

Invoice float

You get paid in 30 days and spend it in 60. The most predictable gap in your business.

Client deposits

Retainers and prepayments, held for weeks while the work gets done.

Peak season

Your good quarter carrying your quiet one, month after month.

The gap nobody budgets for

Paid in 30 days.
Spent in 60.

That gap is the most predictable thing in your business, and the least used.

Invoice paid day 0
Sitting still day 1–59
Spent day 60
How it works

Three steps, and
nothing gets locked up.

1

Open an account

Online, in a few minutes. No branch visit, no minimum balance, and no paperwork to post anywhere.

2

Move across what’s waiting

As much or as little as you like. Transfers in and out cost nothing, however often you do it.

3

Take it back when you need it

No notice period, no fixed term, nothing to break. The money is there on the day the bill is.

What you get

No lock-upNothing is tied up for a fixed term, so nothing has to be broken early.
No notice periodYou don’t have to tell us days in advance before touching your own money.
No minimum balanceNo tier to reach before the account does what it says.
$0 to move moneyIn or out, as often as you want, at no cost.
Counted dailyWorked out and added every day, not once a month.
You keep controlThe balance sits in an account only your business can move money out of.
The call

Fifteen minutes, no deck.

We ask what your cash cycle actually looks like, and tell you straight whether this fits. Often it doesn’t, and you’ll hear that on the call rather than three emails later.

  • What money you hold, and how long it usually sits
  • When you need to be able to reach it
  • What the account would and wouldn’t do for you
  • Your questions, answered plainly
Book a 15-minute call →

Questions we get

Can I get the money out quickly?

Yes. There’s no notice period and no fixed term, and moving money out costs nothing. That matters more than anything else for money with a due date on it.

Do I have to move everything?

No, and most businesses shouldn’t. Keep your working float where it is and move across the money you know isn’t needed for a few weeks.

Is this a bank account?

No. vildX is a software company, not a bank, and this isn’t a deposit account. We’ll walk you through exactly what it is, and what the risks are, on the call.

How long does setting up take?

A few minutes online. Most of the work is your usual business verification.

What does it cost?

Nothing to open, and nothing to move money in or out. We’ll go through the fee structure on the call so there are no surprises.

Worth fifteen minutes?

If your business holds money that sits still between collecting it and spending it, that’s the conversation.

Talk to us →