Exclusive privileges for your business.
G&F Visa Infinite Business Card
Earn 2 points for every $1 spent every time you use the Visa Infinite Business Credit Card.
Here's an overview of the services we offer:
With an operating line of credit, you can purchase inventory, finance receivables, or flex with seasonal demands.
A line of credit can be a great way to finance your accounts receivable, cover daily operating expenses, take advantage of supplier discounts, avoid overdue payment penalties and reduce interest costs.
Features of an operating line of credit from G&F:
No matter your needs, we can customize options to fit your business. Our experienced and knowledgeable team of lending professionals will work with you to achieve the financial stability you desire. Our Business Relationship Managers have an appreciation and knowledge of business communities throughout the Lower Mainland. Talk to us about our competitive lines of credit today!
Save time and money when you're processing payroll.
Businesses with several employees may need a solution that manages their employees’ time as well as their payroll. This often involves staying on top of extensive legislation and paperwork.
ADP can provide payroll services for small (1-49 employees), mid-sized (50-999 employees), and large (1,000+ employees) companies.
You will also receive assistance from ADP should you need to communicate with the Canada Revenue Agency. ADP will work directly with the agency on behalf of your business.
You provide the hours your employees worked, ADP will take care of the rest. Finally, an affordable solution that allows you to focus on your core business, not administration.
Boost your sales volumes and make faster transactions backed by payment experts
You can expect competitive pricing and products, convenience, and personal service from our merchant services solution. By offering your customers the convenience of paying with their debit or credit card, you can improve your service, build customer loyalty, and increase sales.
- New, lower interchange rates — Benefit from interchange rates as low as 0.87%*. Effective May 2020 through to May 2025
- Fast access to funding — Breathe easy knowing that the payments you process today will be funded as early as the next business day.
- Payment technology to suit your needs — Get the right solutions to minimize fraud and chargebacks and lower your interchange rates.
- 90-day satisfaction guarantee — Feel confident with your decision with our 90-day guarantee. You can exit penalty-free if you’re not satisfied.
- Support right from the start — Get the support you need at every step including dedicated account management, training and customer support 24/7/365.
*Quoted interchange rate applies to emerging market merchants on consumer credit card transactions; otherwise the new average interchange rate will be between 1.4-1.5%, depending on transaction and credit card type. Rates apply to Canadian transactions that qualify at the Consumer Electronic Interchange level, as set by Visa and Mastercard. Transactions that do not qualify for this interchange level will be subject to an interchange differential/downgrade fee.
Assessment fees apply to Canadian transactions. Other fees/taxes may apply. Global Payments reserves the right to determine qualified merchants and is under no obligation to approve a merchant.
Attract and retain valuable talent by adding Group Health Benefits to your compensation package.
Gulf & Fraser Insurance Services (a subsidiary of G&F Financial Group) has partnered with leading Canadian Underwriters to provide G&F business members with comprehensive healthcare or group RRSP benefits for you and your employees.
Why invest in group health or RRSP benefits for your employees?
Not only do group benefits help you retain the best talent, they will also improve the well-being and productivity of your employees and allow you to focus on growing your business.
In fact, a study by Canada Life Group Insurance showed that 25% of respondents believe that helpful employee benefits and perks would have the biggest positive impact on their work productivity. Your premiums may also be tax-deductible as a business expense.
Signing up is simple.
Contact a G&F Wealth Protection Planner to get group benefits set up for your employees. We will meet with you to determine the group benefits program that best suits the needs of your business and employees.
Call 604-419-8888 to get started.
Disclaimer: Insurance products are available through G&F Financial Group Insurance Services Ltd., a wholly-owned subsidiary of G&F Financial Group. This website is for informational purposes only and is not intended to provide specific insurance, financial, investment, tax, or other advice to you, and should not be acted or relied upon in that regard. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.
Use G&F’s wire transfer service to transfer funds to and from financial institutions world-wide.
Make business payments to other countries quickly and easily. Choose from single or multiple, one-time, recurring, or future-dated payments. G&F can set up advanced online payment services to help you send funds quickly and securely.
Send and receive money quickly, conveniently, and safely using your phone or computer with Interac® e-transfers. All you'll need to know is the recipient's email or mobile number. No account information is required. You can also transfer on-the-go, using G&F's mobile banking app.
See our FAQs for more information on e-transfers, including transaction limits and additional features such as Request Money.
Automated funds transfer
Fast, secure, and economical, PaymentStreamTM AFT streamlines your payment processing.
With our convenient and cost-effective online cash management service, you can automatically deliver or receive payments to and from accounts held at other financial institutions. (This service is also known as AFT, CAFT, EFT, pre-authorized payments and pre-authorized debits.)
Convenient and hassle free, you can use the PaymentStreamTM AFT service for a variety of purposes:
- Depositing your employees' payroll directly into their accounts
- Collecting monthly/scheduled membership fees (e.g., health club)
- Collecting monthly/scheduled maintenance fee or rent (e.g., strata fees)
- Making recurring payments to your suppliers
- Collecting donations as a charity or other not-for-profit organization
- Collecting payments from your customers
PaymentStreamTM services are offered in partnership with Central 1 Credit Union. PaymentStream™ is a web-based application which uses two-step security. Some benefits of PaymentStream™ include comprehensive risk controls, a retention history of up to 18 months and the ability to download AFT reports in CSV and PDF formats.
Get insurance coverage for your business and have peace of mind in the event that something happens to you or your partner.
Key person insurance
Key person insurance provides assurances to business creditors and employees that the business will continue even if a key person passes away. The life insurance proceeds provide immediate cash to cover the business’s working capital needs and to find and train a suitable replacement for the key person who passed away.
Our Insurance Planner can also help you plan your future—and the future of your business—by giving you succession planning strategies which can protect the business owners and equity in the event of a death.
Business loan protection
A life insurance policy purchased for business loan protection can help a business negotiate loans and repay business debts with a tax free life insurance proceeds when a business owner or another key executive dies. It can also prevent a business owner or their estate from becoming liable for the business debts if the owner passes away.
Ensuring there is a plan for the eventual transfer of the business interest will help owners realize the full value for the business interest and it will also help the business and the remaining owners survive the transition. This succession plan is typically done through a buy-sell agreement.
Life insurance is an efficient way to fund the obligation that results from a buy/sell agreement when a shareholder or partner passes away. There are numerous possible ways to structure a buyout on death and life insurance funding plays an important role in ensuring the buyout occurs.
Funding capital gains
When an individual who owns shares in a corporation, a partnership interest, or business asset will be deemed to have disposed of these properties at death. Life insurance is an effective way to fund the tax liability that will arise with the disposition of these assets.
Listen to a Smart Money Podcast about protection for small businesses
As a small business owner, you can get so focused on keeping things running that you may not be aware of all the options available to protect your business should something unexpected occur. In this Smart Money Podcast, we talk with Steve Camele, G&F wealth protection planner, about five types of protection for your small business.
As a business owner, you've worked hard on creating a solid business plan. What about your personal financial plan?
Often overlooked from a business perspective, financial planning for owners is vital to protect their personal assets and plan for the future. Our team of wealth experts can develop a plan to meet your business and financial goals.
Through G&F's partnership with Aviso Wealth, we offer a full array of investments* including tax-efficient investments whether held in the business or personally. CalI 604-419-8888 and get started today!
*Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities. Online brokerage services are offered through Qtrade Investor. Qtrade Investor and Credential Securities are divisions of Credential Qtrade Securities Inc.
Looking for Business Banking services?
We can facilitate what you need with a simple phone call.
“I offer a holistic advisory approach, ensuring that businesses are well equipped with the knowledge and information that will help them make the right financial decisions. I simplify their world so that they become efficient and productive.”
Erfana brings several years of experience working with small to medium businesses. She’s had exposure to various business demographics such as retail, female entrepreneurs, real estate, manufacturing and professional services.
Erfana is known for her holistic approach in finding solutions for your business needs by offering tools and resources to help you make well informed decisions. She oversees advising on acquisitions, commercial property purchases/refinances along with business loans and operating lines of credit. Her experience enables her to anticipate operational needs every step of the way, helping members achieve efficiency and success.
Languages spoken: English
Areas covered: Surrey Region
“Everyone’s situation is unique. It is my job to offer you personalized and flexible solutions that go above and beyond the service you’ll get from traditional banks.”
Gonzalo has worked in the financial services industry since 2010. He specializes in providing business financing options and cash management solutions to small business owners, and insists on getting to know members thoroughly so that he has a solid understanding of their needs.
As someone who has dabbled in entrepreneurship, Gonzalo understands the challenges faced by small business owners in wearing many hats and trying to set up a proper business structure. When requested to, he helps members by connecting directly with their lawyers and accountants to work out the fine details, leaving members with more time to run their business.
Languages spoken: English, Spanish, Portuguese, Italian
Areas covered: North Burnaby, Brentwood, Port Coquitlam, Willoughby and South Burnaby
“Growing a small business demands evolving financing solutions. Something that worked a year ago might not work today. That’s why I make sure I get to know a member’s needs and always work with their best interests in mind.”
Lin primarily works with businesses in the import/export, construction and real estate sectors. Members benefit from her expertise in real estate investment and development as well as inventory purchasing.
Lin strongly believes in listening more than talking. Her questions to members are always on point and open-ended so that she can provide a holistic plan that aligns with their values.
Languages spoken: English, Mandarin
Areas covered: Richmond Centre, West Richmond and Metrotown
“Flexibility. It’s something I truly believe in. I strongly believe that it should always be members that pick and choose how they want to be serviced. Not the other way around.”
Harry is a generalist who works with a wide array of small- and mid-sized businesses that need advice on cash flow or borrowing to fulfil their operational goals.
Known for his proactive and accommodating approach, Harry assists business owners by anticipating their needs and managing workflows, guiding them towards greater success.
Languages spoken: English, Mandarin
Areas covered: 41st Avenue, West Broadway, Main and West End
Looking to finance a development project?
Work with a Commercial Account Manager if you're looking to finance an industrial, commercial or residential development project, or if you've got another type of project that needs funding.