Advisory and fractional CFO
Fractional CFO Services for Ontario Small Business
Last reviewed: August 2026
Most owner-managed businesses do not need a full-time CFO. They need someone to look at the numbers with them once a month and ask the questions nobody in the business is asking.
What this actually involves
Cash flow forecasting
A rolling 13-week view, so the HST payment and the corporate balance do not both land in the month your revenue drops. For seasonal trades this is the single most useful thing on this page.
Salary versus dividend planning
Rerun annually rather than set once. Ontario's 2026 corporate rate cut and the dividend tax credit reduction from January 2027 move in opposite directions, so a mix set before 2026 is worth rechecking.
Pricing and margin review
By job for contractors, by service line for clinics. Most owners discover at least one line they have been running at a loss, and it is usually the one they are busiest with.
Purchase and hiring decisions
Buy or lease, this year or next, in the corporation or personally, and what the first employee actually costs once CPP, EI, WSIB and the unproductive first three months are counted.
KPI reporting
Four or five numbers that matter for your business, reported monthly, in a format you will actually read. Not a 30-page management pack nobody opens.
Structure questions
Whether a holding company is worth it, when a second corporation makes sense, how to bring in a partner, and what needs to be true before any of that is a good idea.
When it is worth it, and when it is not
Worth it if: revenue is over roughly $750,000, you have staff, you are making decisions with real money attached, or the business is growing faster than the systems behind it.
Not worth it if: you are a one-person corporation with predictable revenue and no staff. At that stage the compliance package plus a proper year-end planning conversation covers it, and we will say so.