Finance Work That
Knows Your Industry.
A CPA-backed team with genuine specialization across 25+ Ontario industries — SaaS and tech startups, e-commerce, real estate, restaurants, medical clinics, professional services, construction, manufacturing and more. Because a generic P&L tells you nothing if the person building it doesn't know your business.
A Generic Accountant Costs More Than a Specialist.
The gap between generic finance work and industry-specific finance work isn't about pricing. It's about what the numbers actually tell you — and what decisions they let you make.
Revenue recognized correctly
SaaS revenue is earned over time. E-commerce revenue is earned at fulfillment. Construction revenue is earned by percentage-of-completion. Get any of these wrong and every downstream number is wrong too.
KPIs that match your business
Restaurants track prime cost and food cost percentage. SaaS tracks MRR, ARR, LTV/CAC, cohort retention. Real estate tracks IRR, cash-on-cash, cap rate. Different industries need different dashboards — and generic ones show you nothing useful.
Cash flow tuned to your cycle
Construction has multi-month receivables and progress billing. E-commerce has seasonal inventory buildups. SaaS has upfront annual payments with deferred revenue. Each cash cycle needs a different forecast model.
Compliance you actually qualify for
SR&ED for tech. Cannabis excise tax. WSIB for construction and trades. Agricultural income tax rules. Restaurant HST on prepared food vs groceries. Each industry has its own regime — and its own opportunities.
Benchmarks investors expect
A VC looks at your CAC payback and knows in 15 seconds whether it matches the industry norm. A lender does the same with your gross margin. An industry-fluent finance partner benchmarks your numbers before the reviewer does — and fixes what needs fixing.
Software stack that matches
Stripe and Chargebee for SaaS. Shopify and Amazon integrations for e-commerce. Buildium for real estate. Toast and Square for restaurants. Jobber and ServiceTitan for trades. The right stack means less manual work and better data.
Specialists Assigned to Your File — Not Generalists Guessing.
Most Ontario accounting firms are organized by task. You get a bookkeeper who books entries for restaurants, tech companies and real estate investors in the same afternoon. The person who touches your file doesn't specialize in your vertical — they specialize in bookkeeping generally, which means every industry they see is treated roughly the same way. This is why generic bookkeepers routinely misstate SaaS revenue, fumble restaurant tip pooling, ignore construction progress billing, and miss SR&ED eligibility for tech clients.
Ledgerive is organized differently. Our senior leads specialize by industry, not by task. When you engage us, your file is assigned to a lead who has already run finance for dozens of businesses in your vertical — someone who knows what a healthy CAC payback looks like for a Toronto SaaS startup, what food cost percentage a Mississauga restaurant should be targeting, what cap rates GTA multi-family investors are currently underwriting to, and what SR&ED narratives actually survive CRA scrutiny in your specific tech sub-sector.
That specialization shapes every deliverable. Your bookkeeping chart of accounts is tuned to your industry from day one — SaaS gets deferred revenue and MRR categorization, e-commerce gets marketplace fee separation, real estate gets property-level P&L, restaurants get sales channel and daypart breakdown, construction gets job-level costing. Your KPI dashboard tracks the metrics your industry actually cares about, not a generic template. Your cash flow model matches your industry's payment cycle. Your business plan and financial model speak the language your industry's investors and lenders expect to hear.
The 25+ industries listed on this page are the ones with genuine depth — dedicated landing pages, prior engagements, and a specialist lead ready to run your file. If your industry isn't listed, ask on the discovery call. We've done adjacent work across many more verticals, and if we're not the right fit, we'll tell you honestly and point you toward someone who is.
Every Ontario Industry We Serve.
Organized into five categories by operating pattern. Each industry has its own dedicated landing page with vertical-specific expertise, KPIs, software stack and case history.
Category 1Technology & Digital
5 industriesSaaS & Tech Startups
B2B SaaS, PLG, vertical SaaS. MRR/ARR waterfalls, cohort retention, LTV/CAC, deferred revenue, SR&ED.
E-commerce & DTC
Shopify, Amazon, Etsy, DTC brands. Marketplace fee separation, inventory accounting, CAC payback, contribution margin.
Fintech
Lending, payments, wealth-tech, embedded finance. Reg compliance, capital ratios, complex revenue recognition.
Digital & Marketing Agencies
Retainer + project revenue mix, utilization tracking, WIP accounting, gross margin per client.
Creator Economy
Content creators, YouTubers, podcasters, course sellers, coaches. Multi-platform revenue, brand deals, incorporation strategy.
Category 2Professional Services & Healthcare
6 industriesLaw & Consulting Firms
Billable hour tracking, WIP, trust accounts, partner distribution, LLP tax treatment.
Medical & Dental Clinics
OHIP billing reconciliation, dental insurance, associate splits, incorporation and professional corporation.
Accounting & Bookkeeping Firms
White-label back-office for accounting practices — take on capacity without hiring.
Therapy & Mental Health
Solo practitioners & group practices. Insurance billing, split fee structures, professional corporation strategy.
Veterinary Clinics
Medical + retail revenue, inventory (drugs & supplies), associate vet compensation, corporate structuring.
Beauty, Salon & Wellness
Salons, spas, med-spas, fitness. Chair rental vs employment, tip pooling, retail-plus-service mix.
Category 3Real Estate, Construction & Trades
5 industriesReal Estate Investors
Rental portfolios, flips, multi-family, development. Property-level P&L, IRR, cap rate analysis, financing waterfalls.
Construction & General Contractors
Job costing, progress billing, WIP, retainage, WSIB, subcontractor management, CRA holdbacks.
HVAC, Trades & Service Companies
Plumbers, electricians, HVAC, cleaning. Route pricing, service contract revenue, dispatch software integration (Jobber, ServiceTitan).
Property Management
Multi-property trust accounting, owner statements, tenant deposits, Buildium & AppFolio integration.
Landscaping & Snow Removal
Seasonal cash cycle, contract vs project revenue, equipment financing, snow contracts & salt inventory.
Category 4Hospitality, Retail & Consumer
4 industriesRestaurants, Cafes & Bars
Prime cost, food cost %, labor %, tip pooling, Toast/Square integration, LCBO/AGCO compliance for licensed venues.
Retail & Multi-Location Stores
Location-level P&L, inventory turnover, shrinkage, POS integration (Shopify POS, Square, Lightspeed).
Hotels & Short-Term Rentals
Airbnb & VRBO operators, boutique hotels, B&Bs. Occupancy, ADR, RevPAR, MAT tax compliance in Toronto and Ontario.
Cannabis (Retail & Producers)
Excise tax, AGCO/OCS compliance, section 280E-adjacent Canadian rules, licensed producer bookkeeping.
Category 5Traditional Operations & Infrastructure
5 industriesManufacturing
Job costing, WIP, raw materials inventory, standard costing, capacity utilization, SR&ED for R&D-intensive manufacturers.
Trucking & Logistics
Per-mile costing, IFTA reporting, driver settlements, owner-operator vs employee, fuel & maintenance forecasting.
Agriculture & Agri-Food
Farming operations, agri-food processors, cash accounting rules, AgriInvest, AgriStability, capital gains exemption planning.
Automotive (Dealers & Service)
New/used vehicle margins, F&I revenue, service department, floor plan financing, parts inventory.
Nonprofits & Charities
Fund accounting, T3010 filing, donor restricted funds, grant compliance, board reporting for charitable organizations.
What Changes When Your Accountant Actually Knows Your Industry.
Six real examples of how industry-specific finance work delivers what a generic accountant misses — every time.
Industry-specific SaaS
Revenue booked monthly as service is delivered. Deferred revenue tracked as a real liability. MRR waterfall reconciles new / expansion / churn every month. Investor Q&A ready.
Generic accountant
Revenue booked when the annual payment hits the bank. Deferred revenue ignored or misclassified. When an investor asks "what's your MRR?" the founder has to build it in Excel over a weekend.
Industry-specific restaurant
Prime cost (food + labor) tracked weekly, benchmarked against 60–65% industry target. Daypart P&L. Tip pooling handled by CRA rules. Toast or Square integrated directly.
Generic accountant
Monthly P&L that shows "food cost too high" three months after the problem started. No prime cost dashboard, no daypart data, no benchmark to industry norms. Tips handled inconsistently.
Industry-specific real estate
Property-level P&L for every unit. Cap rate, cash-on-cash and IRR tracked per acquisition. Refinance and exit scenarios modeled. HST rebate on new builds captured.
Generic accountant
One consolidated P&L across all properties. No unit-level performance data. No IRR analysis. HST new-build rebate frequently missed. Financing decisions made on gut feel.
Industry-specific construction
Job-level costing across labor, materials, equipment and overhead allocation. Percentage-of-completion revenue. WSIB, holdbacks, subcontractor T4A. WIP schedule reconciled monthly.
Generic accountant
Cash-in / cash-out P&L that hides which jobs are profitable and which are losing money. No WIP schedule. Holdbacks missed. Subcontractor T4As late or wrong. Owner can't tell if the business is actually making money.
Industry-specific e-commerce
Marketplace fees separated from revenue. Contribution margin per SKU. Inventory valuation reconciled to Shopify/Amazon. Ad spend tracked to ROAS. CAC payback under 6 months monitored.
Generic accountant
Shopify deposits booked as revenue with fees buried in COGS. No per-SKU margin. Inventory count doesn't reconcile to platform. Ad spend booked without ROAS. Owner can't tell which products actually make money.
Industry-specific tech (SR&ED)
Eligible development work identified during the year, not backwards at tax time. Technical narrative drafted alongside development. Contemporaneous documentation. Full eligible claim captured.
Generic accountant
SR&ED filed as an afterthought. Claim assembled from memory in April. Half the eligible work missed. Technical narrative is thin. CRA challenges land and the claim gets reduced or denied.
Four Services. Every Industry. Same Standard.
Every Ledgerive service line is delivered with industry-specific expertise across all 25+ verticals — separately when you need one, bundled when you need more.
Fractional CFO by Industry
Industry-fluent Fractional CFO leadership — cash flow, fundraising, board reporting, KPIs and strategic decisions. Every engagement led by a senior CPA with prior operating experience in your vertical.
- Industry-benchmarked KPI dashboards
- Vertical-specific cash flow forecasts
- Fundraise support tuned to industry norms
- Board packages in the format your investors expect
Industry-Tuned Bookkeeping
Chart of accounts, revenue recognition and software stack all tuned to your vertical from day one. QuickBooks Online or Xero core, plus industry-specific integrations (Stripe, Shopify, Toast, Buildium, Jobber, etc.).
- Industry-specific chart of accounts
- Vertical software integrations
- HST filings tuned to your industry rules
- Industry KPI reporting monthly
Industry-Specific Business Plans
Business plans written with industry benchmarks baked in — market analysis using your vertical's real data, projections built on industry unit economics, use of funds that matches how your industry actually deploys capital.
- Industry-benchmarked assumptions
- Vertical-specific market analysis
- BDC / bank / VC / immigration versions
- SR&ED & grant plans by industry
Industry-Specific Financial Models
Models built with your industry's drivers — SaaS MRR waterfalls, e-commerce CAC/LTV, real estate IRR, construction WIP, restaurant prime cost. Not generic 3-statement templates dressed up as vertical work.
- SaaS MRR/ARR & cohort models
- Real estate pro formas with IRR
- Restaurant & retail unit economics
- DCF valuations by industry benchmark
Results Across Very Different Verticals.
Anonymized outcomes from real Ledgerive engagements across three different industries — proving the standard doesn't drop when the vertical changes.
Toronto B2B SaaS founder came to us with a broken model and no data room. We rebuilt the MRR waterfall, cohort retention and CAC/LTV analysis to SaaS-investor standards. Round closed 40% above initial target.
SaaS · TorontoMississauga restaurant group had been rejected twice by BDC — plans didn't understand restaurant economics. We rewrote the plan with prime cost benchmarks, daypart analysis and industry-realistic projections. Approved on the next submission.
Restaurants · MississaugaVaughan real estate investor bidding on a multi-family building needed a defensible pro forma. Ours showed 21% IRR base case, 14% downside with GTA cap rate sensitivity. Investor bid confidently, closed the deal, model now runs their whole portfolio.
Real Estate · VaughanAll 25+ Industries Delivered in All 12 Ontario Cities.
Industry specialization plus local Ontario knowledge. Pick your city for city-specific context, or explore your industry for vertical depth.
Common Questions About Industry Expertise.
Straight answers to the questions founders ask about how industry-specific finance work actually happens.
Why does industry-specific finance expertise matter?
What industries does Ledgerive specialize in?
What if my industry isn't listed?
Do you use different bookkeeping systems for different industries?
Can you help me raise capital in my specific industry?
How do you keep up with different industries' compliance and tax rules?
Do you work with pre-revenue startups in tech and other verticals?
Are your fees different for different industries?
Do you sign an NDA before the discovery call?
Ready for finance work that actually knows your industry?
30 minutes. No pitch. Just a real conversation about your business, your vertical, and whether we're the right team to run the finance work behind it.