+
Years of CPA excellence
What we advise on
- Business plans and financial projections for financing or growth
- Budgeting, forecasting, and cash flow management
- Business performance analysis and KPI development
- Fractional CFO and financial advisory on retainer
- Business valuation for purchase, sale, or partnership entry
- Strategic planning and profitability improvement
- Financing support and lender-ready financial packages
Serving Woodbridge, Brampton, and Kitchener
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Clients served across Ontario
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Office locations in Ontario
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-Star
Google rated by real clients
The Problem
Most small businesses have an accountant. Very few have an advisor.
There is a significant difference between a firm that files your taxes and one that helps you understand why your margins are shrinking, whether you should take on a new location, how to structure a business purchase, or what your company is actually worth to a buyer. Most small business owners in Ontario have the former. Very few have access to the latter, because advisory services are traditionally the preserve of large firms serving large clients.
At Johri CPA, management consulting is not a separate division. It is a natural extension of the financial relationship we already have with our clients. Because we manage your books, file your returns, and understand your structure, we start every advisory conversation from a position of real knowledge, not a generic framework applied to a business we met last week.
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Making major decisions without financial modelling
Whether you are considering a new hire, a second location, a large equipment purchase, or a pivot in your business model, the financial impact needs to be modelled before the decision is made, not assessed after the fact.
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Applying for financing without a lender-ready package
Banks and alternative lenders require current financial statements, detailed projections, and a credible business plan. Walking into a financing conversation without a professionally prepared package significantly reduces your chances of approval and affects the terms you are offered.
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Not knowing what your business is worth
Whether you are considering selling, taking on a partner, resolving a shareholder dispute, or planning your estate, an accurate business valuation is essential. Most business owners either overestimate or significantly underestimate what they have built.
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Growing without a plan
Revenue growth without a financial plan often makes a business less profitable, not more. Cash flow tightens, margins compress, and working capital runs short. Proactive financial planning prevents the growing pains that derail otherwise successful businesses.
Our Advisory Services
Strategic financial guidance for every stage of your business.
Select a category to explore what we offer. Not sure which applies to your situation? Book a free consultation and we will help you identify where to start.
Business Plan Preparation
A professionally prepared business plan combines a clear description of your business model with realistic, defensible financial projections. We prepare plans for bank financing, government grants, investor presentations, and internal strategic planning.
- Executive summary and company overview
- Market analysis and competitive positioning
- Management team and operational plan
- Three-to-five year financial projections
- Sensitivity analysis and assumptions
Financial Projections and Forecasting
Detailed income statement, balance sheet, and cash flow projections built from your actual financial history and realistic assumptions. We model multiple scenarios so you understand the range of outcomes before committing to a path.
- 12-month and three-year projections
- Revenue and expense assumption documentation
- Scenario modelling (base, upside, downside)
- Monthly cash flow forecast
- Projection review and update service
Financing Package Preparation
When approaching a bank, credit union, BDC, or alternative lender, the quality of your financial package matters as much as your credit history. We prepare lender-ready packages that present your business in the strongest honest light.
- Current financial statements (NTR or reviewed)
- Tax returns for prior three years
- Business plan with projections
- Management discussion and analysis
- Debt service coverage ratio analysis
- Loan amount justification
Grant and Incentive Programme Support
Ontario and federal governments offer a range of business grants, loans, and incentive programmes including SR and ED tax credits, CSBFP loans, and regional development funding. We identify which programmes apply to your business and help prepare the required documentation.
- SR and ED (Scientific Research and Experimental Development) claim preparation
- Canada Small Business Financing Program (CSBFP) support
- Ontario and federal grant identification
- Application documentation and financial schedules
Start-Up Financial Planning
New businesses face financial decisions with long-term consequences before they have revenue to guide them. We advise on initial capitalisation, operating cost structure, break-even analysis, and the financial milestones that matter most in the first two years.
- Start-up cost and capitalisation planning
- Break-even and runway analysis
- Initial pricing and margin structure
- Owner draw and compensation planning
- First-year cash flow management
Real Estate and Capital Investment Analysis
Major capital purchases and real estate decisions require rigorous financial analysis. We model the purchase vs. lease decision, financing impact, depreciation treatment, and after-tax return on investment before you commit.
- Buy vs. lease analysis for equipment and real estate
- Net present value and internal rate of return calculations
- Financing impact on cash flow
- CCA (capital cost allowance) tax implications
- After-tax ROI modelling
Fractional CFO Services
For businesses that need senior financial leadership but are not ready to hire a full-time CFO, we provide fractional CFO services on a monthly retainer. We attend management meetings, advise on financial decisions, oversee the finance function, and bring CFO-level rigour to businesses of any size.
- Monthly financial review and advisory meeting
- KPI monitoring and variance analysis
- Cash flow management and forecasting
- Banking and lender relationship support
- Strategic financial input on major decisions
Profitability Analysis and Margin Improvement
If your revenue is growing but profit is not, the problem is usually in the cost structure, pricing model, or product and client mix. We identify where margin is being lost and develop a plan to recover it.
- Gross margin analysis by product, service, or client
- Overhead cost review and benchmarking
- Pricing strategy assessment
- Unprofitable client and contract identification
- Contribution margin modelling
Budgeting and Variance Analysis
A budget is only useful if it is tracked against actual results. We build your annual budget, monitor monthly performance against it, and provide clear variance analysis that tells you not just what happened but why.
- Annual budget preparation and approval process
- Monthly budget vs. actual reporting
- Variance analysis with narrative explanation
- Rolling forecast updates
- Departmental and project-level budgets
Cash Flow Management
Cash flow problems are the leading cause of small business failure in Canada, even in businesses that are profitable on paper. We identify the gaps between income and outflows, build a cash flow calendar, and advise on working capital management.
- 3-week rolling cash flow model
- Receivables and payables cycle analysis
- Working capital optimisation
- Seasonal cash flow planning
- Credit facility sizing and timing advice
KPI Development and Business Performance Reporting
We identify the key performance indicators that actually drive value in your specific business and build a reporting framework around them, so management has the right information at the right time to make decisions.
- KPI identification for your business model and industry
- Custom management dashboard design
- Monthly performance reporting package
- Benchmarking against industry norms
- Quarterly strategic review meetings
Business Restructuring Advisory
When a business faces financial difficulty, rapid growth, a change in ownership, or a strategic pivot, its financial structure often needs to change alongside it. We advise on restructuring options, debt management, and the financial implications of major operational changes.
- Financial viability assessment
- Debt restructuring options analysis
- Operational cost reduction planning
- Stakeholder communication support
- Turnaround plan preparation
Business Valuation
An accurate, defensible business valuation is essential for a sale, a partnership entry, a shareholder buyout, an estate plan, or a divorce proceeding. We prepare valuations using earnings-based, asset-based, and market-comparable approaches.
- Earnings-based valuation (EBITDA multiple and discounted cash flow)
- Asset-based valuation for holding companies and asset-heavy businesses
- Market comparables analysis
- Valuation report suitable for legal and banking purposes
- Purchase price allocation
Business Sale Preparation
Selling a business requires preparation that begins long before you speak to a buyer. We advise on how to present the business financially, identify and address issues that will arise in due diligence, and structure the transaction for optimal tax treatment.
- Normalised earnings presentation (add-backs and adjustments)
- Information memorandum financial section
- Due diligence file preparation
- Capital gains exemption eligibility review
- Earn-out structure modelling
Business Acquisition Support
Buying a business is one of the most significant financial decisions an entrepreneur can make. We conduct financial due diligence, assess the quality of earnings, identify hidden liabilities, and advise on the optimal acquisition structure.
- Financial due diligence and quality of earnings analysis
- Working capital peg assessment
- Hidden liability identification
- Share purchase vs. asset purchase analysis
- Post-acquisition integration planning
Shareholder Dispute and Buyout Advisory
When shareholders disagree on the value or direction of a business, a neutral financial expert is essential. We provide independent valuation, financial analysis, and advisory support for buyout negotiations and dispute resolution.
- Independent business valuation for dispute purposes
- Financial analysis for mediation or legal proceedings
- Buyout price modelling and structuring
- Shareholder agreement financial provision review
- Expert report preparation if required
Succession Planning
Passing a business to the next generation or to a management team requires years of planning to maximise tax efficiency, preserve business value, and ensure continuity. We build and implement succession plans that work financially and operationally.
- Estate freeze and family trust structuring (with legal counsel)
- Lifetime capital gains exemption maximisation
- Management buyout financial modelling
- Key person insurance review
- Gradual ownership transition planning
Due Diligence Support for Investors and Lenders
Investors and lenders conducting due diligence on an Ontario business require independent financial analysis. We provide review engagements, financial statement analysis, and management interview support for third-party diligence processes.
- Financial statement review and analysis
- Normalised earnings assessment
- Working capital and cash flow analysis
- Management representation support
- Financial Q and A response preparation
Advisory starts with understanding your business, not applying a template.
Every management consulting engagement begins with a conversation, not a proposal. Here is how we work.
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Discovery Conversation
We spend time understanding where you are, where you want to be, and what is standing between the two. No intake forms. No templates. Just a focused conversation with a CPA who knows your numbers.
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Situation Assessment
We review your financials, identify the key issues and opportunities, and define the scope of work required. You receive a clear summary of our findings and a fixed-fee engagement proposal before any work begins.
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Analysis and Modelling
We build the financial models, projections, valuations, or plans required for your situation, using your actual data and realistic, documented assumptions.
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Recommendations and Review
We present our findings and recommendations in plain language, walk you through every number, and answer every question before you make any decisions based on our work.
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Implementation and Ongoing Support
For clients who want ongoing advisory support, we provide a monthly retainer engagement that includes regular financial reviews, management reporting, and access to senior CPA advice whenever decisions arise.
Who We Serve
Advisory is most valuable at the moments that define where your business goes next.
Management consulting is not a service most business owners use continuously. It matters most at inflection points: when you are growing, financing, selling, buying, restructuring, or planning for what comes after. We serve clients across all of these moments.
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Business Owners Seeking Financing
You need a business plan, projections, and a lender-ready financial package to support a bank loan, BDC application, or investor conversation. We prepare documentation that gives you the best chance of approval on favourable terms.
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Growing Businesses Outpacing Their Systems
Revenue is growing but profit is not keeping pace. You do not have the financial visibility to understand why, or the systems to manage cash flow as the business scales. We build the reporting and advisory infrastructure your growth requires.
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Business Owners Planning an Exit
You are thinking about selling in the next two to five years. The decisions you make now, about structure, retained earnings, and how you present your financials, will directly affect your sale price and your tax bill. We start this conversation early.
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Entrepreneurs Acquiring a Business
You are evaluating a business to buy and need an independent financial assessment of what it is actually worth, what is in the books, and what risks you are taking on. We provide the financial due diligence that protects your investment.
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Incorporated Professionals Building Wealth
You have been running your professional corporation for several years and want to understand how to use retained earnings efficiently, when to take income, and how to build long-term wealth through the corporation. We build the plan.
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Family Businesses Planning Succession
You are thinking about passing the business to your children or to a management team. The financial, tax, and operational dimensions of a successful succession require years of planning. We help you start at the right time with the right structure.
Some decisions are too consequential to make without a financial advisor in your corner.
If any of the following situations applies to you, a free consultation with our advisory team will clarify your options and give you a clear path forward.
- You are applying for a business loan or line of credit and need a professional financial package
- You are considering buying a business and want an independent view of what it is worth
- You are thinking about selling your business in the next one to five years
- You have a shareholder or partner dispute that requires a neutral financial assessment
- Your business is growing but cash flow is consistently tighter than expected
- You want to understand how to build personal wealth through your corporation more efficiently
Free consultation. No commitment required.
12+
Years in Practice
Keeping Ontario businesses audit-ready since 2012.
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Ontario Offices
Woodbridge, Brampton, and Kitchener: in-person or virtual, wherever you are.
500+
Clients Served
From sole proprietors to incorporated businesses with multiple locations.
5-Star
Google Rating
Our clients rate us five stars, and many have been with us for over five years.
Common Questions
Questions we hear most often about business advisory services.
If your situation is not covered here, a free 20-minute consultation will give you a clear answer. No obligation.
Call 905-605-5272 or email info@johricpa.ca
A management consultant typically brings process, strategy, or industry expertise to a business. A CPA providing advisory services brings that strategic thinking alongside a deep, ongoing knowledge of your actual financial position, tax situation, and business structure. Because we already manage your books, file your returns, and understand how your corporation is set up, we do not need three months of onboarding to understand your business. Advisory conversations with our team start from a foundation of real financial knowledge, not a generic diagnostic.
A professional business plan with financial projections varies in cost depending on the complexity of the business, the depth of analysis required, and whether the plan is for internal use, bank financing, or investor presentation. We provide a fixed-fee quote after understanding your specific requirements. In all cases, we are transparent about scope and cost before any work begins, and we do not bill hourly surprises at the end of an engagement.
A lender-ready business plan prepared by Johri CPA includes an executive summary, company overview, market and competitive analysis, management team bios, operational plan, and a full set of three-to-five year financial projections with a supporting assumptions document. We also include a debt service coverage ratio analysis that demonstrates your ability to service the proposed debt, which is typically the first thing a bank lending officer looks at. Our plans are designed to anticipate and answer the questions a credit committee will ask.
A fractional CFO provides the financial leadership of a full-time Chief Financial Officer without the cost of a senior executive hire. For most small and medium-sized businesses, this means a monthly engagement that includes a financial review meeting, oversight of the bookkeeping function, variance analysis against budget, cash flow monitoring, input on major financial decisions as they arise, and support for banking and financing relationships. Business owners who engage a fractional CFO typically describe the result as finally understanding what is happening in their business financially, rather than just seeing the numbers once a year at tax time.
Business valuations use one or more of three approaches: earnings-based methods (applying a multiple to normalised EBITDA or using a discounted cash flow model), asset-based methods (for holding companies or businesses where tangible assets drive value), and market comparables (looking at transaction multiples for comparable businesses in the same industry). The accuracy of any valuation depends on the quality of the financial information and the reasonableness of the assumptions. A CPA-prepared valuation is well-suited for most small business purposes including sale negotiations, shareholder agreements, estate planning, and financing. For contested legal proceedings, a Chartered Business Valuator (CBV) designation may also be required, and we can refer to qualified CBVs in those situations.
Yes. The Scientific Research and Experimental Development (SR and ED) programme is one of the most valuable and underused tax incentives available to Canadian businesses. If your business conducts activities that qualify: developing or improving products, processes, or software through systematic investigation, you may be entitled to a refundable tax credit of up to 35% on qualifying expenditures. We identify eligible projects, prepare the technical and financial portions of the claim, and file it as part of your corporate tax return. Many of our clients in technology, engineering, and manufacturing sectors use this programme every year.
No. You are welcome to engage us for a specific advisory project such as a business plan, a valuation, or a due diligence review even if you are not a current tax or bookkeeping client. That said, many business owners who come to us for a one-time advisory engagement end up transitioning their full accounting relationship to our firm, because the advisory work reveals just how much value there is in having your CPA team manage all of your financial needs in one place.
Your financials have the answers. Let us help you find them.
Most business owners are sitting on more financial insight than they realise. The data is there. What is often missing is someone who can translate it into decisions. Whether you need a business plan, a valuation, a growth strategy, or a clearer picture of where your margins are going, Johri CPA brings both the financial expertise and the business context to make that conversation useful. Book a free consultation and let us show you what advisory looks like in practice.
Woodbridge: 905-605-5272
Brampton: 905-230-0115
Kitchener: 519-513-2423
