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    Owners, Karl & Amy Allen-Muncey

    Libro is here to serve

    Libro offers more than just products - we offer advice and solutions for many of your business needs.

    • Insurance

      Insurance

      Libro wants to help you own your life - the right combination of insurance will make that life more secure.

      Business Loan Insurance - a variety of coverage options to protect your business borrowings.

      Life Insurance - protect yourself, your family and your assets all from the comfort of your home or business.

      Contact a Libro Coach to learn more about all your insurance options.

      Contact a Coach
    • Investing

      Investing

      There comes a point for every business owner when you want excess cash or retained earnings to start generating additional income. That doesn't mean you're taking risks - but you do expect more than standard savings accounts will pay.

      Your Libro Coach will introduce you to a Libro Financial Planner or Investment Specialist who can help you grow your money without taking unnecessary risks.

      Libro offers a full range of investments:
      Mutual Funds*, GICs and Term Deposits, Access to Credential Direct® Online Brokerage & Premium Savings

      *Mutual funds are offered through Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment will be returned to you. Mutual Funds are not guaranteed, their values change frequently, and past performance may not be repeated.

    • Business MasterCard

      Business MasterCard

      • Businesses can enjoy the benefits of a MasterCard® for corporate or employee expense accounts
      • Earn a percentage of your monthly net retail transactions with optional cash back feature
      • $0 annual fee without cash back
      • $75 annual fee with cash back
      • Introductory 3.99% interest rate on balance transfer
      • Interest rate is 16.99%

      See a full list of our MasterCard options here

    • Online Banking

      Business Banking

      For many small- and medium-sized businesses Libro’s new Online Banking offers a business view to help you focus on your business finances. Switch back and forth from personal to business banking without having to sign in and out. It will enable you to focus your attention on the task at hand.

      Commercial Online Banking

      Commercial Owners who require various access levels for their staff may be better served by leveraging Libro's new Commercial Online Banking.

      Segregation of roles

      Commercial Online Banking allows you to administer your own users within the system, providing you complete control over your staff's access levels.

      Advanced Auditing & Security

      Keep better track of when transactions were completed, along with which user actually completed the transactions.

      Cash Management

      Control account limits and put rules in place to have your cash work more effectively for you.

    • Employer Services

      Employer Services

      Competing for good people is an increasing challenge for the majority of local and small to mid-sized businesses. Payroll, Group RRSP and other services give you options and advantages.

      Payroll Service

      Commercial owners with employee payroll requirements (even with just one employee) will benefit from our employer payroll service. Features include:

      • Automated payroll processing. Information can be transmitted online (or offline)
      • Regular payroll is transferred electronically from employer's Libro account to each employee's credit union or bank account
      • Payroll taxes are tracked and filed
      • Expertise in compensation and benefits
      • Related services like job costing, labour distribution, management reports, and administrative and benefit information

      Group RRSP Services

      With the high cost of pension plans, a group RRSP might be the ideal solution for your employees. Contact your Coach for details.

      Business Planner

      Use the Libro Business Planner to help you analyze your business strategy, the market you operate in and your financial plan. It will also help us understand your business and your goals, and the role Libro can play in helping you achieve them.

    • Merchant Services

      Merchant Services

      Libro would like to help your business succeed in every way possible. That is why we have partnered with First Data, a leader in payment processing solutions, to offer you easy and affordable merchant processing programs to meet today's consumer demands.

      As a business owner, you need to accept payments for the goods and/or services you provide. First Data Canada has the right payment acceptance solution for your needs.

      Point-of-Sale (POS) Terminals: First Data offers a selection of high-speed terminals, available in wired models, as well as short and long range wireless. All models are contactless and are also programmed to accept ApplePay™ and mobile wallets.

      Mobile Pay Plus: Accept credit card and Interac debit anywhere you have wireless coverage with First Data’s Mobile Pay Plus. This handheld device connects with your iPhone®, Android® or iPad®. Mobile Pay Plus is a cost-effective solution leveraging the cost of the hardware (your mobile device) with an existing data plan. Available with flat-rate billing option!

      E-commerce & Virtual Terminals: If your business provides goods and services AND you have a company website, why aren’t you using eCommerce? First Data provides e-commerce processing to merchants that wish to accept payment through their website in both Canadian and US dollar transaction processing.

      Universal POS PC Based System: Universal POS provides a simple, affordable, and powerful "end-to-end" point of sale (for retail and restaurant) and inventory control system for any size establishment. UPOS is a high-performance system that helps you manage your business and increase your profits., UPOS offers all the benefits you see in today's sophisticated POS systems with the added bonus of cash register simplicity at a value that can't be matched.

      Gift Cards: Prepaid gift cards are one of the fastest growing revenue opportunities in Canada. The First Data Gift Card program is affordable and is suited for small and medium sized businesses.

      First Data Customer Perks: First Data’s CustomerPerks™ is a complimentary discount program to help merchants save on a wide range of products and services. Save $1,000’s from a growing list of over 1,200 brand name merchants and local shops nationwide. CustomerPerks is available online or through a convenient mobile app.

    • Succession Planning

      Succession Planning

      Your Libro Coach would be happy to work with you and your team of advisors to design a succession plan for your business or farm.

      Financial issues relating to succession planning can be complicated - especially when they involve your life and your future. Often, the complications come from the stress and uncertainty you might feel when you are making important financial succession planning decisions. Your Libro coach will advise you and your family on the financial aspects of your succession plan, to help you with these decisions.