Financial Services for
London Businesses.
A senior CPA-backed team delivering Fractional CFO, bookkeeping, business plan and financial modeling services to London medical and dental clinics, insurance and financial services firms, B2B SaaS startups, Western University spin-outs, professional services, agri-food operators and manufacturers — from Downtown London and Old North through Byron, Masonville, Hyde Park, Wortley Village and White Oaks.
Built for London's Healthcare, Insurance & Tech Reality.
London runs on medical practices, insurance and financial services, a growing B2B SaaS ecosystem, professional services, and a durable agri-food and manufacturing base. Our finance work is built for exactly that reality — not for a generic Canadian small business.
CPA-supervised, senior-led
Every London engagement is led by a senior CPA. No junior handoffs, no offshore delegation. You work with someone who's already run finance for London businesses at your stage.
Medical & dental clinic depth
OHIP billing reconciliation, dental insurance, associate splits and buy-outs, medical or dental professional corporation (MPC/DPC) tax planning, group practice financials — the finance discipline London's healthcare ecosystem actually needs.
Insurance & financial services fluency
Commission reconciliation, trailer income tracking, book-of-business valuation for succession or sale, MGA and brokerage finance. London's insurance-industry heritage is real — and so is our depth serving it.
B2B SaaS & Western spin-out fluency
MRR/ARR waterfalls, cohort retention, LTV/CAC, SR&ED and IRAP funding, cap tables, investor-grade models. London's B2B SaaS ecosystem is earlier-stage than KW's, and our support is tuned to exactly that stage.
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.
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.
What London Businesses Actually Face.
London, Ontario is one of the most distinctive business markets in the province — and one that gets consistently underestimated by generic accounting firms who treat every city outside the GTA the same way. London runs on healthcare — one of Ontario's largest and most sophisticated medical ecosystems, anchored by London Health Sciences Centre (LHSC), St. Joseph's Health Care London and the Schulich School of Medicine at Western University. It runs on insurance and financial services, a heritage industry rooted in London's history as a major Canadian insurance centre. It runs on an emerging B2B SaaS and technology ecosystem, anchored by Western University research and TechAlliance of Southwestern Ontario. And it runs on professional services, agri-food operators and manufacturers connected to the broader Southwestern Ontario economy.
London medical and dental clinics face finance realities most generic accountants routinely fumble. OHIP billing reconciliation, dental insurance billing, associate compensation splits, professional corporation (MPC/DPC) tax structuring, group practice financials, associate buy-outs and clinic acquisitions — every one of these requires healthcare-industry expertise. A generic bookkeeper will misclassify OHIP receivables, miss corporate structuring opportunities that save meaningful tax, and give you a P&L that tells you nothing about which associates are actually profitable.
London's insurance and financial services firms — brokerages, MGAs, financial planning practices, wealth management firms — have their own finance realities. Commission-driven revenue, trailer income streams, book-of-business valuation for succession or sale, MGA reconciliations, and relationship-heavy client economics. Generic accountants treat these businesses like any other services firm, and the owner finds out at succession or sale that they don't actually know what their book is worth.
The city's B2B SaaS and Western University spin-out ecosystem is growing quickly — earlier-stage than Kitchener-Waterloo's deep-tech density, but real and accelerating. These companies need MRR waterfalls, cohort retention analysis, LTV/CAC discipline, SR&ED and IRAP funding strategy, cap tables, and investor-grade financial models built for seed and Series A raises. The finance work here looks nothing like what a London medical clinic or insurance brokerage needs — and generic firms rarely handle any of it well.
Layered on all of that: London is owner-operator country. Full-time CFO compensation in Southwestern Ontario runs into six figures very quickly, and most London businesses under $20M in revenue and pre-Series-B SaaS startups simply cannot justify that hire. What they need is senior finance leadership at Fractional pricing, industry-specific expertise across London's actual industry mix, and a partner that already knows the healthcare, insurance, SaaS and professional services realities shaping the city's economy. Ledgerive was built for exactly that.
Signs Your London 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 London business — and how to tell.
You Need a Fractional CFO When…
Your business is growing past the point where the owner can hold the entire finance function in their head — but a full-time Southwestern Ontario CFO hire isn't the right answer yet.
- Your medical or dental practice is growing past $2M and associate splits, MPC/DPC planning and clinic acquisitions are getting complex
- Your insurance brokerage or financial services firm is preparing for succession, book-of-business valuation or acquisition
- You're a Western University spin-out or B2B SaaS company preparing for a seed or Series A raise
- Owner, family shareholders or investors want monthly reporting that actually shows what's happening
You Need Ledgerive Bookkeeping When…
Your books are behind, wrong, or eating time you should be spending running the practice, brokerage or startup — and every month that goes by makes it worse.
- Your OHIP receivables aren't reconciling, dental insurance is a mess, or associate splits aren't tracked properly
- Commission reconciliation is broken and trailer income is not tracked to source
- HST filings are late, wrong, or you don't know if they're right
- You need clean books to apply for financing, close a raise, sell the practice, or bring on a partner
You Need a Business Plan When…
You have a real deadline — a lender application, a grant window, an investor meeting, 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 a clinic acquisition or expansion
- You're a B2B SaaS founder or Western spin-out preparing an IRAP, SR&ED strategy or grant application
- You're preparing an Ontario PNP Entrepreneur Stream or Start-Up Visa application
- A previous business plan was rejected and you need it rebuilt to actually get approved
You Need a Financial Model When…
Someone with money — investor, lender, buyer, partner — is going to look at your numbers, and the spreadsheet you built at 2 a.m. won't survive their questions.
- You're a B2B SaaS or Western spin-out raising capital and need an investor-grade model with MRR waterfall and LTV/CAC
- You're valuing a medical or dental practice for acquisition, sale or associate buy-in
- You're an insurance brokerage building book-of-business valuation for succession or sale
- You're underwriting a London real estate deal or considering a major decision — new clinic, big equipment purchase, acquisition
Four Services. One Senior Team. All Delivered in London.
Each of the four Ledgerive service lines is delivered end-to-end for London clients — separately when you need one, bundled when you need more.
Fractional CFO in London
Executive-level finance leadership for London medical practices, insurance and financial services firms, B2B SaaS startups, Western spin-outs and family-owned SMBs — without the full-time hire. Cash flow, lender and investor relationships, budgeting, board and owner reporting every week, every month.
- 13-week rolling cash flow forecast
- Monthly owner / board / investor reporting package
- BDC, bank, IRAP & SR&ED strategy support
- Weekly leadership call + always-on Slack
Bookkeeping in London
Monthly bookkeeping, catch-up bookkeeping, HST filings and payroll for London businesses — tuned to medical clinics (OHIP reconciliation), dental practices, insurance brokerages (commission reconciliation), SaaS startups, professional services and family businesses. QuickBooks Online, Xero, Wave or Sage, reviewed by a CPA.
- Monthly bookkeeping in QBO or Xero
- OHIP & dental insurance reconciliation
- SR&ED-ready expense tagging for tech
- London payroll & T4 processing
Business Plans in London
Lender-ready and investor-ready business plans for London founders — BDC, CSBFP, banks, IRAP, clinic acquisitions, Ontario PNP, Start-Up Visa, VC and grant plans written for exactly what each Canadian reviewer wants to see.
- BDC / CSBFP / bank loan plans
- Medical & dental clinic acquisition plans
- IRAP & SR&ED strategy narratives
- Ontario PNP, Start-Up Visa & VC plans
Financial Modeling in London
Investor-grade financial models for London founders — SaaS MRR waterfalls, medical and dental practice valuations, insurance book-of-business valuation, London real-estate pro formas, cap tables and fundraise models built to survive due diligence.
- SaaS & MRR/ARR models with LTV/CAC
- Medical & dental practice valuations
- Insurance book-of-business valuation
- London real-estate pro formas & cap tables
London Industries & Neighborhoods We Cover.
Deep specialization across the industries that actually define London's economy — and physical presence available across every London neighborhood on request.
London industries we serve
Our deepest London expertise — click any vertical for the industry landing page.
London neighborhoods we cover
Remote-first for everyone. On-site quarterly reviews available across every area below on request.
Remote-First, London-Ready.
The engagement rhythm every London client can expect — designed around your Slack, your calendar, and your London location.
Free 30-min discovery call
We walk through your business, your London context, your priorities and your deadlines. Honest answer on fit inside the call itself — not a follow-up email.
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 London QuickBooks, Xero, bank feeds 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 London when you want them. No help-desk queue, no offshore relay.
What London Founders Say After 90 Days.
Our dental practice had grown to four associates and my previous accountant couldn't tell me which associates were actually profitable after their splits. Ledgerive rebuilt everything with real associate-level reporting, redesigned our compensation model and set up our DPC properly. Tax savings alone in the first year exceeded their entire engagement fee.
Our insurance brokerage was preparing for succession and I didn't actually know what my book was worth. Ledgerive built us a real book-of-business valuation, cleaned up commission reconciliation and gave us a defensible number for negotiation. The buyer's due diligence didn't change our number by a single dollar.
We're a Western spin-out building B2B SaaS and had never properly claimed SR&ED. Ledgerive drafted the technical narratives with our developers and filed the claim clean. That single line item extended our runway by six months — and gave us the confidence to go into our seed raise with real numbers.
Our family food processing business had grown to $9M and we couldn't tell which product lines were actually profitable. Ledgerive built us a real cost model, monthly reporting we can use, and a bank relationship that let us finance a new production line. Three months in and we finally know which SKUs make money.
Questions London Businesses Ask.
Straight answers to the questions that come up on nearly every London discovery call.
Do you have an office in London, Ontario?
Which London, Ontario industries do you specialize in?
Are you familiar with London-specific business programs?
Do London, Ontario businesses need a full-time CFO or a Fractional CFO?
Do you work with London, Ontario medical and dental clinics?
Can you help London insurance and financial services firms?
Can you help London B2B SaaS startups and Western University spin-outs?
How is London different from Toronto or Kitchener-Waterloo for finance work?
How quickly can you get started with a London, Ontario business?
Do you sign an NDA before the discovery call?
How do you handle pricing?
Ready to get finance right for your London business?
30 minutes. No pitch. Just a real conversation about your London business, your next 12 months, and whether we're the right team to deliver the finance work behind them.