Financial Services
Across Ontario.
A senior CPA-backed team delivering Fractional CFO, bookkeeping, business plan and financial modeling services across 12 Ontario cities — from Toronto's Bay Street to Ottawa's federal corridor, Hamilton's manufacturing base to Kitchener-Waterloo's tech ecosystem. Remote-first delivery, GTA on-site, same senior team in every city.
Ontario-Deep. Not Canada-Wide-Shallow.
The reason Ledgerive works is because we don't try to serve every market in Canada equally. We know Ontario cold — its lenders, its programs, its adjudicators, its tax landscape — and that shows up in every deliverable.
Deep Ontario specialization
Every engagement is led by a senior CPA who already knows Ontario tax, Ontario lenders, and the Ontario programs your business will apply to. No generic Canada-wide guesswork.
Ontario capital market fluency
BDC Ontario offices, Ontario-based CSBFP lenders, the major banks' Toronto and Ottawa commercial teams, Ontario VCs, MaRS, Futurpreneur — we work with them regularly, in their format, on their timelines.
Ontario Immigrant Nominee Program (OINP)
Ontario is Canada's most immigrant-founded business province. We regularly build OINP Entrepreneur Stream and federal Start-Up Visa business plans and support new immigrant-founded Ontario businesses through the full launch.
Remote-first + GTA on-site
Weekly calls, always-on Slack, secure document sharing for every engagement. On-site quarterly reviews across the GTA at no extra charge. Rest-of-Ontario on-site available on request.
Fixed fees. No city premiums.
A $3M Toronto SaaS company pays the same as an equivalent $3M London tech startup. Pricing is based on business size and scope — not on where you happen to be headquartered.
All four services under one roof
Bookkeeping, CFO, business plan and financial modeling — one senior team, one set of numbers, one story across every deliverable. No coordinating three firms who each know a piece of your business.
Why Focus on Ontario First.
Ontario is Canada's largest business market. Home to more than 15 million people and over 400,000 small and medium-sized businesses, it accounts for roughly 38% of Canada's total economic output — more than any other province, by wide margin. If you're building a growing business in Canada, statistically you're probably doing it in Ontario.
But the province is not one market. It is at least three: the Greater Toronto Area, where Bay Street financial services, King West tech and MaRS-adjacent startups define the pace; Ottawa, where federal government, defence and public-sector-adjacent business shape the economy; and the rest of Ontario — Hamilton's manufacturing heritage, London's healthcare and insurance base, Kitchener-Waterloo's post-BlackBerry tech ecosystem, Windsor's automotive corridor, and the growing GTA-edge cities of Oakville, Burlington, Vaughan and Markham. Each has its own cost structure, its own capital availability, and its own local programs.
A finance partner who says “we serve all of Canada” usually knows none of them well. A finance partner who focuses on Ontario knows which BDC office adjudicates your file, which Ontario bank commercial team is most receptive to your industry, which Ontario grant programs you actually qualify for, and how Ontario HST, WSIB and EHT intersect with your P&L differently than they would in BC or Alberta. That local knowledge is the difference between a business plan that gets approved and one that gets ignored.
Ledgerive was built around exactly that principle. We deliver four core services — Fractional CFO, bookkeeping, business plan writing, financial modeling — to 12 Ontario cities, with senior CPA leads, fixed fees, and a remote-first delivery model that works whether your business is in the Bay Street tower or a Kitchener co-working space. Expansion to British Columbia, Alberta and Quebec is on the roadmap — but Ontario stays the deep specialty.
Every Ontario City We Serve.
Grouped into three coverage tiers — each city has its own dedicated landing page with local context, industry focus and neighborhood detail.
Tier 1GTA Core & Federal Capital
3 citiesToronto
Canada's largest business market. Bay Street, MaRS, King West, Liberty Village. 6.7M+ GTA population, 40%+ of Canadian VC deals.
Toronto servicesMississauga
Corporate HQ concentration, Pearson Airport economy, growing tech corridor. Ontario's 3rd largest city with ~800K residents.
Mississauga servicesOttawa
Federal government, defence, public-sector-adjacent business, and a serious tech ecosystem (Kanata, Bayview Yards). ~1M metro.
Ottawa servicesTier 2GTA Expansion & Major Regional Cities
5 citiesBrampton
Fastest-growing large city in Canada. Diverse SMB base, strong immigrant entrepreneur community, major logistics and trades presence.
Brampton servicesHamilton
Manufacturing heritage plus a new wave of health-tech, food-and-bev and creative SMBs. Redwing steel to McMaster spin-outs.
Hamilton servicesLondon
Healthcare, insurance, education (Western University) and a rising tech scene. Strong medical device, life sciences and B2B SaaS presence.
London servicesMarkham
Ontario's high-tech capital — Canadian HQs for global tech, plus a deep SMB base across life sciences and professional services.
Markham servicesVaughan
Construction, real estate development, logistics and family-owned SMB stronghold. Vaughan Metropolitan Centre reshaping the market.
Vaughan servicesTier 3Specialty & Emerging Ontario Markets
4 citiesKitchener-Waterloo
Post-BlackBerry tech ecosystem, Communitech, University of Waterloo. Canada's most concentrated deep-tech and SaaS hub after Toronto.
Kitchener-Waterloo servicesWindsor
Automotive corridor, cross-border trade, growing agri-food and manufacturing base. US-adjacent economics that others don't understand.
Windsor servicesOakville
Wealthy commuter base, professional services concentration, HQ of several major Canadian firms. Sophisticated SMB market.
Oakville servicesBurlington
Manufacturing, professional services and a growing tech SMB base between the GTA and Hamilton. Strong owner-operator community.
Burlington servicesSame Standard in Every City.
Delivery quality doesn't vary by city. What varies is the local context we bring to the work.
Remote-first delivery
Weekly video calls, always-on Slack or email, secure document sharing, live dashboards in Fathom or LiveFlow. Delivered by a senior CPA lead. Same standard in every Ontario city.
On-site quarterly reviews
For clients in Toronto, Mississauga, Brampton, Vaughan, Markham, Oakville and Burlington, on-site quarterly business reviews are available at no extra charge. Boardrooms, cafes, your office — you pick.
On-site by request
For Ottawa, Hamilton, London, Kitchener-Waterloo, Windsor and surrounding Ontario markets, on-site sessions are available on request. Travel arranged separately. Most clients don't need them — but the option exists.
Four Services. Every Ontario City.
Every Ledgerive service line is available end-to-end in all 12 Ontario cities we serve. Separately when you need one, bundled when you need more.
Fractional CFO Services
Executive finance leadership for Ontario startups and SMBs without the full-time hire. Cash flow, fundraising, board reporting, KPIs and strategic decisions — every week, every month, on a monthly retainer.
- 13-week rolling cash flow forecast
- Monthly board / investor package
- Ontario VC, BDC & bank support
- Weekly leadership call + always-on Slack
Bookkeeping Services
Monthly bookkeeping, catch-up bookkeeping, HST filings and payroll for Ontario businesses. QuickBooks Online, Xero, Wave or Sage — reconciled to the cent, closed on schedule, reviewed by a CPA.
- Monthly bookkeeping in QBO or Xero
- Ontario HST / GST filing & CRA correspondence
- Catch-up bookkeeping for behind-schedule books
- Ontario payroll & T4 processing
Business Plan Services
Lender-ready and investor-ready business plans for Ontario founders. BDC, CSBFP, Futurpreneur, Ontario PNP, Start-Up Visa, VC and grant plans — written for what each Canadian reviewer actually wants to see.
- BDC / CSBFP / bank loan plans
- Ontario PNP & Start-Up Visa plans
- VC / seed / Series A investor plans
- SR&ED, IRAP & grant business plans
Financial Modeling Services
Investor-grade financial models for Ontario founders — 3-statement, SaaS MRR waterfalls, DCF valuations, Ontario real-estate pro formas, cap tables and fundraise models built to survive due diligence.
- 3-statement & SaaS models
- DCF & valuation models
- Ontario real-estate pro formas
- Cap table & exit waterfall models
Real Results Across Ontario Cities.
Anonymized outcomes from real Ledgerive engagements spanning multiple Ontario markets — proving the standard doesn't drop outside Toronto.
Toronto-based B2B SaaS founder came to us three months out from a raise with a broken model and no data room. We rebuilt the model, prepped the pitch, and coached investor Q&A. Round closed 40% above initial target.
SaaS · TorontoMississauga restaurant group had been rejected twice by BDC. We rewrote the business plan, rebuilt the financial model to Canadian lender standards, and coached the meeting. Approved on the next submission for their full ask.
Restaurants · MississaugaKitchener-Waterloo fintech startup had never claimed SR&ED. Our first-year filing covered two years of Fractional CFO fees inside the first claim — before we even started their Series A raise six months later.
Fintech · Kitchener-WaterlooNext Provinces on the Roadmap.
Ontario stays the deep specialty. But senior finance leadership is national — and we're expanding.
British Columbia
Vancouver · Victoria · Burnaby · Surrey
Alberta
Calgary · Edmonton
Quebec
Montreal · Quebec City
Founder in one of these markets and need finance help before the dedicated launch? We take a limited number of out-of-Ontario clients ahead of formal expansion — book a discovery call and we'll tell you honestly if you're a fit.
Deep Vertical Knowledge in Every Ontario City.
25+ Ontario verticals with genuine specialization. Pick yours for a dedicated industry landing page.
Questions Ontario Founders Ask.
Straight answers to the most common questions about how we serve Ontario businesses.
Which cities in Ontario does Ledgerive serve?
My city isn't listed. Can you still work with my business?
Do you work on-site or remotely?
Why is Ledgerive Ontario-focused?
Will you expand beyond Ontario?
How do I know which city page applies to my business?
Are all four services available in every Ontario city?
How do you handle pricing across different Ontario cities?
Do you sign an NDA before the discovery call?
Ready to get finance right for your Ontario business?
30 minutes. No pitch. Just a real conversation about your Ontario business, your next 12 months, and whether we're the right team to deliver the finance work behind them.