Four Services. One Senior Finance Team.
Fractional CFO, bookkeeping, business plans and investor-ready financial models — delivered by CPAs who already understand how BDC, CSBFP, Futurpreneur, SR&ED and the CRA actually think. Fixed fees. Senior-only staffing. Serving startups and SMBs across all 12 largest cities in Ontario.
One finance team instead of four vendors you have to project-manage.
Most Ontario founders end up stitching a bookkeeper, a CPA firm, a business plan writer and a fractional CFO together on their own. Four contracts, four email threads, four people who don't talk to each other, and four versions of “that's not my job” when something breaks.
Ledgerive delivers all four as a single service line, with a senior lead who owns the relationship end-to-end. Your books feed the model. The model feeds the plan. The plan drives the raise. And your Fractional CFO already knows every number by name.
The result: fewer meetings, faster fundraises, cleaner audits, and finance decisions that don't wait weeks for a coordinator to book a call.
Fractional CFO Services
Executive-level financial leadership for Ontario SMBs — without the $180,000+ full-time salary. We embed a senior CFO into your leadership team on a fixed monthly fee, run your cash flow, own your KPIs, and prepare you for whatever's next: a raise, an acquisition, a lender, or just a Monday you don't dread.
Ideal for
Ontario businesses doing $500K–$20M in revenue, or pre-revenue startups preparing to raise a seed or Series A round.
Signature deliverables
- 13-week rolling cash flow forecast
- Monthly board / investor package
- KPI dashboards you'll actually read
- Budget vs actuals with variance analysis
- Fundraise support (deck, model, data room)
- Banker & BDC relationship management
- M&A due diligence & valuation
- Strategic finance for pricing & hiring calls
Bookkeeping Services
Monthly bookkeeping done properly in QuickBooks Online, Xero or Wave, with HST/GST filing, payroll, and CRA-ready records that never leave you scrambling in April. We're QuickBooks Pro Advisors and Xero Certified — but more importantly, we know Ontario tax, not just accounting theory.
Ideal for
Ontario sole proprietors, incorporated small businesses, and growing SMBs who need reliable monthly books plus CRA compliance handled — with no surprise year-end mess.
Signature deliverables
- Monthly transaction categorization & reconciliation
- HST/GST filing (quick method or regular)
- Payroll setup & monthly runs (T4/T4A)
- Accounts payable & receivable management
- Monthly P&L and balance sheet
- Year-end package for your tax accountant
- Catch-up bookkeeping (months or years of backlog)
- CRA audit prep & representation support
Business Plan Services
Lender-ready and investor-ready business plans written for what Canadian reviewers actually want to see — not repurposed US templates. We've written plans that unlocked BDC loans, CSBFP financing, Futurpreneur approvals, Ontario PNP files, SR&ED narratives, and VC term sheets. If your last plan got rejected, we can usually tell you why on the discovery call.
Ideal for
Ontario founders raising capital, applying for a Canadian bank/BDC loan, filing a business immigration application, pitching investors, or building a strategic 3–5 year roadmap.
Signature deliverables
- Executive summary tuned to the reviewer
- Market & competitive analysis (Canadian data)
- Operations & management plan
- 3-year monthly financial projections
- Funding request & use-of-funds breakdown
- Sensitivity & scenario analysis
- Grant & program eligibility mapping
- Professional design & investor pitch deck
Financial Modeling Services
Investor-grade three-statement models, SaaS MRR/ARR waterfalls, DCF valuations, real-estate pro formas, and scenario models built to survive due diligence. Every model we build has to answer one question: would a sharp CFO on the other side of the table find a hole in this? If yes, we don't ship it.
Ideal for
Founders raising capital, teams building 3–5 year strategic plans, real-estate investors underwriting deals, and businesses preparing for sale, acquisition, or refinancing.
Signature deliverables
- 3-statement model (P&L, BS, CF) driver-based
- SaaS metrics: MRR/ARR, LTV/CAC, cohort retention
- E-commerce unit economics & contribution margin
- Real-estate pro forma & IRR analysis
- DCF valuation with multi-scenario sensitivity
- Fundraise waterfall & cap table modeling
- Budget vs actuals variance model
- M&A LBO / acquisition model
Fixed Fees. No Surprise Invoices.
Three engagement tiers designed around where you actually are. Custom scopes and bundles quoted on the discovery call — pricing below is a realistic starting range for Ontario clients.
Foundation
For small businesses that just need the books done properly and CRA obligations handled.
Starting from · 6-month term
- Monthly bookkeeping (up to 100 transactions)
- Bank & credit card reconciliation
- Monthly P&L and balance sheet
- HST/GST filing (quarterly)
- Year-end package for your tax accountant
- Slack/email support (48-hr response)
Bookkeeping + Advisory
For growing SMBs that need clean books plus a monthly finance conversation with a senior lead.
Starting from · 6-month term
- Full monthly bookkeeping (up to 400 transactions)
- Payroll for up to 10 employees
- HST/GST filing & T4 preparation
- Monthly financial review call with a senior lead
- Basic 12-month cash flow forecast
- KPI dashboard (Fathom or LiveFlow)
- Slack/email support (24-hr response)
Full Fractional CFO
For companies raising capital, running an M&A process, or scaling past $2M with real complexity.
Starting from · 6-month term
- Everything in Growth
- 13-week rolling cash flow forecast
- Monthly board / investor package
- Fundraise support: model, deck, data room
- Budget vs actuals with variance analysis
- Banker & BDC relationship management
- Same-day support
Ledgerive vs the Alternatives.
The four ways Ontario founders typically handle finance, side by side. Every column is a real trade-off — not a strawman.
| DIY (You + QuickBooks) | Cheap Freelancer | Big 4 / Big CPA Firm | Ledgerive | |
|---|---|---|---|---|
| Typical monthly cost (CAD) | $0 (your time) | $200–$600 | $4,000–$15,000+ | $495–$3,995 |
| Senior CPA on your account | — | Rarely | Yes, but 2 hrs/mo | Always |
| Fixed monthly fee (no hourly surprises) | Yes | Sometimes | No — hourly billing | Yes, written |
| Fractional CFO strategy included | — | — | Separate engagement | Included in Scale tier |
| BDC / CSBFP / Futurpreneur fluency | Learn as you go | Unlikely | Yes | Yes, primary specialty |
| SR&ED / IRAP support | — | — | Yes (add-on fee) | Yes, included in Scale |
| Investor-grade financial models | — | — | Yes | Yes, project or included |
| Response time (business days) | Instant (yourself) | 2–5 days | 3–7 days | Same day (Scale) / 24 hr |
| Cancellation notice | — | Varies | Annual retainer | 30 days after 6-mo term |
Industries & Cities We Know Cold.
Every service on this page is delivered by someone who's already done it in your vertical and your city.
Industries
Deep experience across 25+ Ontario verticals. Pick yours for an industry-specific page.
Ontario Cities
Active local coverage across the 12 largest cities in Ontario, with province-wide remote support.
From First Call to Full Ownership in a Week.
The exact steps between the moment you book a call and the moment we start delivering — nothing hidden.
Free 30-minute discovery call
You walk us through your business, current setup, and what you're actually trying to solve. We ask the specific questions that let us scope accurately — not a sales script. If we're not the right fit, we say so and refer you somewhere better.
Written proposal within 48 hours
A clear scope, timeline and fixed fee sent by email. No games, no anchoring tactics, no “up to” pricing. If you want changes, we revise once for free.
Kickoff & system access
NDA signed, engagement letter countersigned, and we get access to QuickBooks/Xero, your bank feeds, and any stakeholders we need to work with. Typically completed within 3 business days.
First deliverables inside 30 days
First reconciliation, first HST filing, first draft of the business plan or model, or first month of CFO cadence — depending on scope. You never wait a quarter to see value.
Ongoing cadence & quarterly reviews
Monthly reporting, always-on Slack/email access, and a formal quarterly review where we look back at what worked, what didn't, and adjust scope up or down. Scale up or down whenever you need.
What Ontario Founders Say About Working With Us.
We came to Ledgerive after two failed BDC applications. They rewrote the plan and rebuilt the model in three weeks. Approved on the next submission — for more than we originally asked for.
Bundling bookkeeping and CFO under one team was the single best finance decision we've made. Our books, model and board deck now agree with each other for the first time ever.
I used to spend the first two weeks of every quarter chasing my old bookkeeper. Now I get a one-page dashboard every Monday and quarterly reviews I actually look forward to.
Their SR&ED work paid for two full years of Fractional CFO fees inside the first claim. That was before we even talked about the fundraise they helped us close six months later.
Frequently Asked Questions.
The service-specific questions Ontario founders ask us most — answered honestly.
Which service should I start with?
Can I bundle multiple services together?
What's the difference between a bookkeeper, an accountant, and a Fractional CFO?
Do you work with pre-revenue startups?
Are your prices really fixed, or do they change?
How long is a typical engagement?
Do you support US and international clients too?
What accounting software do you support?
Do you sign an NDA before the discovery call?
How do I get started?
Pick a service, or let us tell you which one to start with.
30 minutes. No pitch deck. No pressure. Just a real conversation about what your business needs — and whether we're the right team to help.