Financial Services to
Grow Your Ontario Business.
Fractional CFO, bookkeeping, business plans and investor-grade financial models — delivered by a senior CPA-backed team focused on one thing: taking your business to its next stage. From first clean books through Series A raises, BDC financing and succession planning.
A Finance Partner, Not a Cost Centre.
Six things that separate us from the accountant down the street, the offshore agency competing on price, and the Big-4 firm treating you like a rounding error.
CPA-supervised, senior-led
The senior lead you meet on the discovery call is the person you work with. No first-year assigned after you sign, no offshore handoff, no help-desk queue.
Growth-focused, not compliance-only
We don't just close your books and file HST. Every engagement is built around measurable business outcomes — capital unlocked, margin surfaced, owner time freed, decisions clarified.
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.
Canadian program fluency
BDC, CSBFP, Futurpreneur, OINP, SUV, SR&ED, IRAP, FedDev, OCI, industry grants. We build every deliverable around what the specific Canadian reviewer wants to see.
Investor-grade output
Our books, models and plans survive due diligence — because the same team also sits on the other side of the raise. Nothing we deliver breaks in a data room.
Local, Toronto through Windsor
We serve the 12 largest Ontario cities with genuine local knowledge — industry clusters, funding programs, immigration realities, real estate markets. Not a call centre pretending.
Four Growth Vectors. Every Engagement.
Every Ledgerive engagement — whether you start with bookkeeping, a business plan, a financial model or a Fractional CFO — is designed to move your business forward on these four dimensions.
Get Your Week Back
We take bookkeeping, HST, payroll and CRA correspondence completely off your plate — properly, monthly, on time. Most owners get back 15 to 25 hours a week that used to disappear into their books.
- Monthly close by the 15th of the following month
- HST/GST filed on time, every quarter
- Payroll, T4s and CRA correspondence handled
- Books ready for financing or sale at any moment
Unlock Real Capital
Lender-ready business plans and investor-grade financial models built for exactly what BDC, CSBFP, Canadian banks, VCs, angels and grant reviewers actually want to see. Our clients close raises and loans that generic plans get rejected on.
- BDC, CSBFP, Futurpreneur & bank loan plans
- OINP Entrepreneur Stream & Start-Up Visa plans
- Seed and Series A investor plans & decks
- SR&ED and IRAP strategy and claims
Actually Know What Makes Money
Real job costing, unit economics, per-SKU margin analysis and customer profitability. Most businesses are running blind on which products, jobs and customers actually make money — we surface it, then help you act on it.
- Job costing & project margin analysis
- SaaS MRR/ARR, LTV/CAC and cohort retention
- Per-SKU and per-customer profitability
- Location-level P&Ls for multi-unit businesses
Scale Without Guessing
Fractional CFO leadership at a fraction of a full-time hire. 13-week cash flow forecasts, monthly board-quality reporting, scenario modeling for big decisions, fundraise support end-to-end. You get the finance leadership every scaling business needs.
- 13-week rolling cash flow forecast
- Monthly board / owner reporting package
- Scenario modeling for hiring, financing, acquisition
- Fundraise and M&A support end-to-end
Four Services. One Senior Team. Every Growth Stage.
Instead of stitching a bookkeeper, an accountant, a plan writer and a CFO together yourself, get all four from one senior CPA-backed team that already talks to each other.
Fractional CFO Services
Executive-level finance leadership without the six-figure salary. We run cash flow, KPIs, fundraising, lender relationships and board reporting for growing Ontario businesses — freeing you to run the business instead of running the finance function.
- 13-week rolling cash flow
- Monthly board package
- Budget vs actuals reporting
- KPI dashboard & commentary
- Investor & lender relationships
- Scenario & sensitivity modeling
- Weekly leadership call
- Fundraise & M&A support
Bookkeeping Services
Monthly bookkeeping done right in QuickBooks Online, Xero, Wave or Sage — with HST filing, payroll and CRA-ready records that never leave you scrambling in April. Catch-up bookkeeping for behind-schedule books also available.
- Monthly transaction categorization
- Bank & credit card reconciliation
- HST/GST filing & compliance
- Payroll, T4s & ROEs
- Accounts payable & receivable
- Monthly financial statements
- Multi-entity & inter-company
- SR&ED-ready expense tagging
Business Plan Services
Lender-ready, investor-ready and immigration-ready business plans written for exactly what BDC, CSBFP, banks, VCs, angels and immigration reviewers want to see in Canada. Every plan built around a specific reader with a specific decision to make.
- Executive summary & opportunity
- Market analysis with real data
- Detailed operating model
- 5-year financial projections
- Sensitivity & risk analysis
- Management & team narrative
- Funding request & use of funds
- Appendices & supporting exhibits
Financial Modeling Services
Three-statement models, SaaS MRR/ARR waterfalls, DCF valuations, real-estate pro formas and joint-venture waterfall models built to survive investor and lender due diligence. Every model comes with defensible assumptions and clean documentation.
- 3-statement integrated model
- Revenue & unit economics build
- Scenario & sensitivity tabs
- Assumption documentation
- Charts & investor summary
- DCF & valuation output
- Cap table & dilution modeling
- Model walkthrough call
Where You Are. Where You're Going.
Businesses grow through predictable stages. Each stage needs different finance work. Here's what we deliver at every stage of your journey — and how you move from one to the next.
Foundation
- Clean monthly bookkeeping
- HST & payroll compliance
- CRA correspondence handled
- QBO or Xero setup
- Corporate structure basics
Growth
- Job costing & unit economics
- Monthly management reporting
- Cash flow forecasting
- Lender-ready plans & models
- BDC / CSBFP / bank financing
Scale
- Fractional CFO leadership
- Board-quality reporting
- Investor-grade models
- Seed / Series A fundraise
- KPI dashboards & forecasting
Exit-Ready
- Business valuation
- Succession planning
- Family holding structures
- Buyer due-diligence prep
- Transaction support
Real Milestones. Real Ontario Businesses.
Concrete outcomes our clients have reached with Ledgerive alongside them. Not vague "we help you grow" language — actual milestones that changed their business.
Cross $1M in revenue with clean books
Move from owner-managed chaos to a real monthly close, HST discipline and CRA-ready records — the foundation every next milestone needs.
Secure BDC or CSBFP financing
Lender-ready plan and financial model built for what BDC or CSBFP reviewers actually want to see. Approvals on first submission are the norm, not the exception.
Close your seed or Series A raise
Investor-grade MRR waterfalls, LTV/CAC, cap table, cohort retention — plus a Fractional CFO who's already sat on the other side of the term sheet.
Get approved for OINP or Start-Up Visa
Ontario Immigrant Nominee Program and Start-Up Visa business plans that pass Ontario and federal reviewer scrutiny on the plan alone.
Surface which products actually make money
Real job costing, SKU-level margin, customer profitability. Most businesses find out they're losing money on 20-30% of what they sell — we surface it and help you decide what to do.
Grow to $10M+ with real operating leverage
Board-quality monthly reporting, 13-week cash flow, scenario modeling for major decisions. Scale without hiring a full-time CFO before you're ready.
Claim SR&ED and IRAP successfully
SR&ED technical narratives written with your engineers, filed clean, surviving CRA review. IRAP funding strategy for R&D-intensive companies.
Value your business for sale or succession
Defensible business valuation for arm's-length sale, family succession, next-generation buy-in or partner buy-out. Numbers that hold up in negotiation.
Prepare for buyer due diligence
Clean historical books, quality of earnings support, financial model tied to source data. Reduce the buyer's "risk premium" and hold your negotiated price.
The Four Ways Ontario Founders Handle Finance.
Every column is a real trade-off — not a strawman. Look at the quality dimensions that actually matter for growth, not just the numbers on an invoice.
| DIY (You + QuickBooks) | Cheap Freelancer | Big-4 / Big CPA Firm | Ledgerive | |
|---|---|---|---|---|
| Senior CPA on your account | — | Rarely | Yes, but limited hours | Always, senior-led |
| Fixed monthly fee, no hourly surprises | Yes (your time) | Sometimes | No — hourly billing | Yes, written in advance |
| Response time to urgent questions | N/A | Days to weeks | 1–3 business days | Same day, always-on Slack |
| Growth advisory included | No | Rarely | Extra scope, extra fee | Included in every engagement |
| Industry specialization | No | Sometimes | Sometimes | Yes — vertical-specific work |
| Investor-grade output (survives DD) | No | Rarely | Sometimes | Always — that's the standard |
| Canadian program fluency (BDC, SR&ED, OINP) | No | Rarely | Compliance only | Yes — strategy + execution |
| Onboarding speed | Immediate (you) | 2–4 weeks | 4–8 weeks | 3–5 business days |
| Rush turnaround available | N/A | Rarely | Rarely, extra cost | Yes, when it matters |
| All four services under one roof | No | Usually one | Yes but siloed | Yes — one team, one story |
From First Call to First Deliverable in the Same Week.
A clear, four-step onboarding designed to get you results in the first month — not the first quarter.
Free 30-min discovery call
We walk through your business, your current setup, 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 QuickBooks, Xero, bank feeds and prior financials. First deliverable — usually a cash snapshot — lands the same week.
Weekly cadence + monthly close
Standing weekly call, always-on Slack, monthly close by the 15th, quarterly business reviews. No help-desk queue, no offshore relay, no junior handoff.
Industries & Locations We Serve.
Deep specialization across the industries that actually define Ontario's economy — with genuine local presence across the 12 largest Ontario cities.
Industries we serve
Vertical-specific finance work — click any industry for a dedicated page.
Ontario locations we serve
Genuine local knowledge across all 12 largest Ontario cities.
What Ontario Founders Say After 90 Days.
Ledgerive rebuilt our books in three weeks and put a Fractional CFO alongside our team. Six months later we closed our Series A with the model they built. Best hire we made pre-raise.
Our BDC loan application was rejected twice by a generic accountant. Ledgerive rewrote the plan and financial model with real trades-industry benchmarks — approved on the third try.
I finally understand my numbers. My CFO sends me a one-page dashboard every Monday and I can actually make decisions from it. Should have hired them years ago.
Questions Ontario Founders Ask.
Straight answers to the questions that come up on nearly every discovery call.
What financial services does Ledgerive offer?
How does Ledgerive actually grow my business?
Which service should my business start with?
Do you serve businesses outside the GTA?
Are you familiar with Canadian lender and grant programs?
How quickly can we get started?
What accounting software do you support?
Do you sign an NDA before the discovery call?
How do you handle pricing?
Your growth partner is one call away.
30 minutes. No pitch deck. No pressure. Just a real conversation about what your business needs next — and whether we're the right team to help you get there.