Financial Services for
Windsor's Border Economy.
A senior CPA-backed team delivering Fractional CFO, bookkeeping, business plan and financial modeling services to Windsor tool and die shops, auto parts suppliers, cross-border logistics and USD/CAD-exposed businesses, Essex County greenhouse operators, Lake Erie North Shore wine producers, hospitality operators and multi-generational family businesses — from Downtown Windsor and Walkerville through LaSalle, Tecumseh, Amherstburg, Leamington and Kingsville. Bilingual English-French support available.
Built for Windsor's Cross-Border, Tool & Die and Agri-Food Reality.
Windsor runs on tool and die precision, auto parts supply, cross-border trade with Detroit, Essex County greenhouses and wine country agri-food. Our finance work is built for exactly that reality — not for a generic Canadian small business.
CPA-supervised, senior-led
Every Windsor engagement is led by a senior CPA. No junior handoffs, no offshore delegation. You work with someone who's already run finance for Windsor businesses at your stage — including the cross-border complexity that most Canadian accounting firms don't handle well.
Tool & die + precision manufacturing depth
Job-level costing for one-off tooling projects, standard cost vs actual for repeat production, engineering change order tracking, WIP/finished-goods valuation, SR&ED for tool and die R&D, multi-tier automotive supplier discipline. Windsor's tool and die shops get precision-specific finance.
Cross-border & USD/CAD fluency
USD/CAD currency management, natural hedging analysis, cross-border sales tax (US State-by-State vs GST/HST), CUSMA/USMCA compliance, customs and duty treatment, related-party transfer pricing, US Federal and State tax nexus analysis. If Detroit is your market, we speak your finance language.
Essex County agri-food expertise
Greenhouse capex modeling (construction, energy retrofits, automation), OMAFRA grants, seasonal labour costing (SAWP and TFW programs), US-bound export pricing and duty treatment, wine production costing, multi-generational family agri-food dynamics. Leamington through Kingsville, we know the industry.
Fixed fees, no billable-hour games
Fixed monthly retainer for CFO and bookkeeping. Fixed project fee for business plans and models. What we quote is what you pay — no scope creep, no invoice surprises, no six-minute increments. Every quote in writing after the discovery call.
All four services under one roof
Bookkeeping, CFO, business plan and financial modeling from the same team, using the same numbers, telling the same story. No coordinating three firms who each know a piece of your business. Bilingual English-French service available.
What Windsor Businesses Actually Face.
Windsor is unlike any other business market in Canada — the tool and die capital of North America, the country's busiest US-Canada land border crossing, home to Ford Windsor Engine Plant and Stellantis Windsor Assembly Plant, and the anchor of an auto parts and precision manufacturing ecosystem that ships product across the Ambassador Bridge and the new Gordie Howe International Bridge every hour of every day. It's also the gateway to Essex County — home to the largest greenhouse concentration in North America (Leamington and Kingsville), the Lake Erie North Shore wine region, and a multi-generational agri-food economy that exports a large share of its output south of the border.
Windsor tool and die shops face a specific finance reality most other Canadian accountants don't understand. Job-level costing for one-off tooling projects that might take months to complete. Standard cost vs actual variance analysis for repeat production runs. Engineering change order tracking that affects both scope and cost. WIP and finished-goods inventory valuation. SR&ED claims for tool and die R&D and automation work. Multi-tier automotive supplier finance discipline (Tier 1, Tier 2, Tier 3) where each program has its own economics. Without proper job and program-level costing, tool and die shops routinely discover after year-end that "profitable" programs actually lost money on machine time or engineering hours.
Windsor cross-border businesses — selling into Detroit, serving US customers, or operating on both sides of the border — face finance complexity that Toronto or GTA accountants routinely fumble. USD/CAD currency management when receivables come in USD but expenses are in CAD (or vice versa), including natural hedging analysis to minimize forward contract costs. Cross-border sales tax — every US state has its own rules on economic nexus, and Wayfair-era thresholds mean Canadian businesses often owe US State sales tax they don't know they owe. CUSMA/USMCA compliance for goods crossing the border, including rules of origin documentation. Related-party transfer pricing between Canadian and US entities to comply with both CRA and IRS. US Federal and State tax nexus analysis. Every one of these requires a finance partner who's already worked on both sides of the border.
Windsor auto parts suppliers serving Ford Windsor and Stellantis Windsor Assembly (plus the broader Big Three ecosystem across the border) live and die on program economics. Purchase order pricing that has to survive multi-year contracts with commodity price fluctuation. Just-in-time delivery costing. Warranty accrual accounting. PPAP (Production Part Approval Process) cost tracking. Take-or-pay contract structuring. A generic accountant applying a straightforward manufacturing template will consistently misprice your programs and mis-forecast your working capital needs across multi-year OEM cycles.
Essex County greenhouse operators — from Leamington's tomato and pepper producers to Kingsville's cucumber and specialty crop growers — face finance realities unlike any other business. Capex-heavy investment cycles (a modern greenhouse can cost $2M+ per acre to build). Energy costing that swings with natural gas prices. SAWP and TFW seasonal labour programs with their own compliance and payroll requirements. OMAFRA grant applications for automation and energy retrofits. US-bound export pricing and duty treatment. Multi-generational family dynamics common across the Essex County agri-food base. Each needs finance work built for its specific reality — not a generic Ontario SMB template.
Layered on all of that: Windsor is owner-operator country. Full-time CFO compensation runs into six figures very quickly, and most Windsor tool and die shops, auto parts suppliers under $25M, cross-border businesses, greenhouse operators, hospitality operators and family businesses cannot justify that hire. What they need is senior finance leadership at Fractional pricing, industry-specific expertise across tool and die, cross-border, agri-food and family business, plus bilingual English-French capability for the significant Franco-Ontarian business population across LaSalle, Tecumseh and Amherstburg. Ledgerive was built for exactly that.
Signs Your Windsor Business Needs Ledgerive.
Not every business needs every service. Here's when each of the four Ledgerive service lines is the right answer for a Windsor business — and how to tell.
You Need a Fractional CFO When…
Your tool and die shop, auto parts business, cross-border operation, greenhouse or family business is growing past the point where the owner can hold the entire finance function in their head — but a full-time CFO hire isn't the right answer yet.
- Your tool and die shop is running multiple concurrent programs and you can't tell which programs are actually profitable
- You're selling into the US in USD, receivables and payables are running in two currencies, and you're getting hit on FX conversions
- Your greenhouse operation is planning a major capex (new range, energy retrofit, automation upgrade) and needs proper investment modeling
- Your family business is planning succession or bringing the next generation into ownership
You Need Ledgerive Bookkeeping When…
Your books are behind, wrong, or eating time you should be spending running the business — and every month that goes by makes it worse.
- Job costing for tool and die programs isn't tracked properly and you're guessing which programs made money
- USD and CAD accounts are mixed together with no consistent revaluation or reconciliation discipline
- Multiple related entities (US LLC, Canadian corp, greenhouse holdco, real estate co) with tangled inter-company balances
- You need clean books to apply for financing, close a cross-border deal, sell the business, or plan succession
You Need a Business Plan When…
You have a real deadline — a lender application, an equipment financing request, an OMAFRA grant window, or an immigration filing — and the plan has to be strong enough to actually get approved.
- You're applying for BDC financing, CSBFP or a Canadian bank loan for expansion or equipment
- You're a greenhouse operator preparing an OMAFRA grant application or major capex financing package
- You're a tool and die shop preparing equipment financing for a major machining or automation investment
- You're preparing an Ontario PNP Entrepreneur Stream or Start-Up Visa application
You Need a Financial Model When…
Someone with money — lender, equity partner, buyer, US customer, family partner — is going to look at your numbers, and the spreadsheet you built at 2 a.m. won't survive their questions.
- You're modeling a major greenhouse capex (new range, energy retrofit) that needs OMAFRA-defensible economics
- You're a tool and die shop bidding on a multi-year OEM program and need proper program economics with USD/CAD scenarios
- You're preparing a cross-border acquisition — buying a Detroit-area business or being acquired by a US buyer
- You're preparing a family-business valuation for succession, next-generation buy-in or arm's-length sale
Four Services. One Senior Team. All Delivered in Windsor.
Each of the four Ledgerive service lines is delivered end-to-end for Windsor and Essex County clients — separately when you need one, bundled when you need more.
Fractional CFO in Windsor
Executive-level finance leadership for Windsor tool and die shops, auto parts suppliers, cross-border operators, greenhouse producers, hospitality businesses and family enterprises — without the full-time hire. Program costing, USD/CAD cash flow, lender relationships, cross-border tax coordination, owner and family reporting every week, every month.
- Program & job-level margin reporting
- USD/CAD cash flow & hedging strategy
- BDC, equipment lender & SR&ED support
- Weekly leadership call + always-on Slack
Bookkeeping in Windsor
Monthly bookkeeping, catch-up bookkeeping, HST filings, USD/CAD reconciliation and payroll for Windsor businesses — tuned to tool and die (program + job costing), cross-border (dual-currency), greenhouses (SAWP payroll), and family businesses. QuickBooks Online, Xero, Wave or Sage, reviewed by a CPA. Bilingual EN/FR available.
- Program & job costing for tool and die
- USD/CAD reconciliation & revaluation discipline
- SAWP & TFW payroll for greenhouses
- Windsor payroll & T4 processing
Business Plans in Windsor
Lender-ready, equipment-financing-ready, grant-application-ready and immigration-ready business plans for Windsor founders — BDC, CSBFP, banks, equipment lenders, OMAFRA grants, cross-border acquisitions, Ontario PNP, Start-Up Visa, family-business succession plans written for exactly what each reviewer wants to see.
- BDC / CSBFP / bank loan plans
- OMAFRA grant & greenhouse capex plans
- Cross-border acquisition & equipment plans
- Ontario PNP, Start-Up Visa & family-business plans
Financial Modeling in Windsor
Investor-grade and lender-grade financial models for Windsor founders — tool and die program economics, USD/CAD scenario analysis, cross-border acquisition models, greenhouse capex investment pro formas, family-business succession valuations and cap tables built to survive due diligence on both sides of the border.
- Tool & die program & job margin models
- USD/CAD scenario & hedging strategy models
- Greenhouse capex & energy retrofit pro formas
- Family-business succession valuations
Windsor Industries & Neighborhoods We Cover.
Deep specialization across the industries that actually define Windsor's economy — and physical presence available across Windsor and Essex County.
Windsor industries we serve
Our deepest Windsor expertise — click any vertical for the industry landing page.
Windsor & Essex County neighborhoods we cover
Remote-first for everyone. On-site quarterly reviews available across every area below.
Remote-First, Windsor-Ready.
The engagement rhythm every Windsor client can expect — designed around your Slack, your calendar, and your Windsor or Essex County location.
Free 30-min discovery call
We walk through your business, your Windsor context, cross-border dynamics, priorities and deadlines. Honest answer on fit inside the call itself — not a follow-up email. Bilingual EN/FR available.
Written proposal in 48 hours
Scope, deliverables, timeline and fixed fee — all in writing. If the scope needs to change, we redraft once for free. What we quote is what you pay.
Start in 3–5 business days
NDA signed. Access granted to your Windsor QuickBooks, Xero, bank feeds (USD and CAD), and prior financials. First deliverable — usually a cash snapshot — lands the same week.
Weekly cadence + on-site
Standing weekly call, always-on Slack, monthly close by the 15th, quarterly business reviews on-site across Windsor and Essex County when you want them. No help-desk queue, no offshore relay.
What Windsor Founders Say After 90 Days.
Our tool and die shop has run three generations and we'd never had proper program-level costing — just a P&L three months late that told us nothing about which OEM programs actually made money. Ledgerive rebuilt it with program economics, engineering change tracking, and machine-hour rates that actually reflect our shop. Six months in and we walked away from one program that had been losing us money for two years. Best decision I've made for the shop in a decade.
We're an auto parts supplier serving both sides of the border. Our previous accountant had no idea how to handle USD receivables, cross-border sales tax, or CUSMA rules of origin — we were leaving money on the table on every shipment. Ledgerive rebuilt our cross-border finance from the ground up. Our gross margin went up four points in the first quarter just from cleaning up how we handle currency and duty. Nothing about our business changed, we just finally have proper cross-border finance.
Our greenhouse operation was planning a major energy retrofit and OMAFRA grant application worth a few million dollars. Our previous plan had been politely returned twice. Ledgerive rebuilt the capex model with proper energy assumptions, defensible payback economics, and OMAFRA-formatted financials. Approved on the third submission and the retrofit went in six months later on time and on budget.
My father built our cross-border logistics business over 30 years — trucking between Windsor and Detroit every day. When he was ready to transition it to me and my brother, we needed proper valuation work, family holding structure that respected the US-Canada nature of our business, and real finance leadership rather than gut feel. Ledgerive handled all of it in both English and French for our Franco-Ontarian side of the family. Three years in and revenue is up 45% with the succession completely settled.
Questions Windsor Businesses Ask.
Straight answers to the questions that come up on nearly every Windsor discovery call.
Do you have an office in Windsor?
Which Windsor industries do you specialize in?
Are you familiar with Windsor-specific business programs?
Do Windsor businesses need a full-time CFO or a Fractional CFO?
Do you work with Windsor tool and die shops and auto parts suppliers?
Do you work with Windsor cross-border businesses selling into Detroit and the US?
Do you work with Essex County greenhouse operators and agri-food businesses?
Do you offer bilingual English-French support in Windsor?
How is Windsor different from London or the GTA for finance work?
How quickly can you get started with a Windsor business?
How do you handle pricing?
Ready to get finance right for your Windsor business?
30 minutes. No pitch. Just a real conversation about your Windsor business, your next 12 months, and whether we're the right team to deliver the finance work behind them. Bilingual English-French available.