Business Consulting & CFO Services

Growing Businesses Make Important Decisions Every Day.

Hiring, pricing, investing, borrowing, expanding — these decisions deserve more than gut instinct. Capital Tax provides virtual CFO and business consulting services that turn financial information into practical insight.

500+ Clients Served

Year-Round Support

10+ Years in Practice

CPA & CMA Designated

What We Offer

More Than Bookkeeping, Strategic Financial Support

Accounting tells you what happened. Strategic financial support helps you understand why, and what to do next. We provide the financial insight growing businesses need to make smarter decisions.

Profitability & Margins

What's driving your profits — and what isn't? We analyze your numbers to find the answers.

Cash Flow Management

A profitable business can still run out of cash. We help you stay ahead of your cash position at all times.

KPI Reporting

Track the numbers that actually matter for your business — not just the ones on your tax return.

Virtual CFO Services

Financial Leadership Without the Full-Time Cost

Get flexible, strategic financial leadership tailored to your business — without the overhead of a full-time CFO.

Financial strategy — connect financial information to business goals
Cash-flow management — monitor current and future cash needs
Budgeting & forecasting — plan ahead and measure performance
KPI reporting — track the numbers that matter most
Management reporting — turn accounting data into useful insights
Strategic decision support — evaluate major decisions financially

Budgeting & Forecasting

Plan Ahead and Stay in Control

We build and maintain financial forecasts that help you plan revenue, manage expenses, and prepare for what’s coming — so you’re never caught off guard.

Revenue and expense planning
Profitability monitoring and targets
Cash flow forecasting and requirements
Seasonal planning and working capital
Hiring and expansion capacity modeling
Financial goal tracking and variance review

Feasibility Studies & Business Planning

Model It Before You Commit to It

Considering a new location, service, equipment, market or larger team? We model different assumptions and scenarios to help you understand potential financial outcomes before committing resources.

Revenue and operating cost assumptions
Capital requirements and financing needs
Cash-flow projections for new ventures
Break-even analysis
Profitability projections and scenario modeling
Sensitivity analysis — what happens if revenue is lower than expected?

Profitability & Cash-Flow Analysis

Understand What Drives Your Business

We analyze what’s driving your profitability and cash position — so you can make better decisions about pricing, hiring, expansion, and operations.

Product and service margin analysis
Customer and location profitability
Labour and overhead cost analysis
Pricing review and contribution margins
Cash in — customer payments, sales, financing
Cash out — payroll, suppliers, taxes, debt
Cash position — today and projected forward

Consulting Questions

Common Business Consulting & CFO Questions

What is a virtual CFO and does my business need one?

A virtual CFO provides strategic financial leadership on a part-time or project basis — without the cost of a full-time hire. If you’re making important financial decisions (hiring, expansion, borrowing, pricing) without a clear financial picture to back them up, a virtual CFO arrangement can provide exactly that.

How is business consulting different from accounting?

Accounting records and reports what has happened. Business consulting helps you decide what to do next — using financial data, industry knowledge, and strategic analysis. We often do both, connecting your numbers to your decisions.

Can you help me prepare financials for a bank loan?

Yes. We help prepare the financial components of financing applications — including historical financial statements, cash flow projections, and business plans. We present your numbers clearly and accurately to support your financing request.

How much do consulting services cost?

Consulting and virtual CFO services are typically quoted by project or on a monthly retainer basis, depending on scope and frequency. Book a free consultation and we’ll discuss your needs and provide a clear proposal.

Take the Next Step

Let's Take Taxes Off Your Plate.

Your first consultation is free. No pressure, no commitment, just a conversation about how we can help your business thrive.

Mon–Fri 10am–6pm · Sat 11am–4pm · Scarborough, Ontario

Chartered Professional Accounting firm serving businesses and individuals across Ontario. Tax, bookkeeping, incorporation, and advisory, all under one roof.

CPA · CMA · QuickBooks ProAdvisor