Snow-covered mountains reflected in a tranquil blue lake with a pine forest in the background.

You're Busy Billing. We'll Make Sure You're Actually Making Money.

Fractional CFO and bookkeeping built for Canadian service businesses—from agencies to engineering firms to trades.

We help service-based business owners answer the questions their accountant can't.

Which clients and projects are actually profitable?
Can I afford to hire?
Am I pricing right?
Why do I have revenue but no cash?

Book a Financial Review

Choose the level of financial clarity and decision support your business needs.

Foundation – “I want to trust my numbers”

Who it’s for:

Early-stage or steady businesses that need clean, reliable financials and basic guidance, without complexity.

Includes:

Monthly bookkeeping & reconciliations (QuickBooks & Xero)
Accurate month-end close
Core financial statements (P&L, Balance Sheet, Cash Flow)
Light monthly review (high-level insights, red flags)
Email support for clarification questions

What it solves:

"My accountant says I'm profitable but I have no cash" syndrome.

Growth – “I want to make better decisions”

Who it’s for:

Growing businesses that want regular insight, context, and guidance, not just reports.

Includes:

Everything in Foundation
Monthly financial review call (45 min)
Trend analysis & variance explanations
Cash flow visibility (what’s coming vs. going)
Decision support for hiring, pricing, and spend
Proactive insights—not just answers to questions

What it solves:

Should I hire another person or will that kill my margins?" answered with confidence.

Scale – “I want a financial partner”

Who it’s for:

Established businesses that want hands-on financial leadership, tighter controls, and forward-looking insight.

Includes:

Everything in Growth
Deeper monthly advisory sessions
Cash flow forecasting & scenario planning
KPI tracking tied to business goals
Profitability by job, client, or service line
Priority access & ongoing decision support
CFO-style insight without full CFO cost
Your business performance vs industry peers

What it solves:

"I want to grow strategically, not just get busier" planning.

Curious to know how we work?

Our Client Success Stories

Solar Installation Contractors, Ontario

We were struggling with cashflow surprises and profit inconsistencies. Working with Topspin Finance has given us a clear financial roadmap and better control over margins. We’re finally able to shift from reactive to strategic — quoting more confidently, planning new hires, and positioning the business for long-term success.
Susan | Owner, Twilli Handmade Leather Products

We’ve enjoyed working with Topspin Finance over the last 6 months. Caroline is passionate about our business and is very knowledgeable. As someone who hates accounting, I like how Caroline brings insights on how we can move our business forward in simple English. Looking forward to our continued partnership.
Ivy Choo | Owner, Aunty Nita Design Consultants

Caroline took over my bookkeeping earlier this year, and I’m thoroughly pleased with her services. She is consistently accessible, knowledgeable, efficient and professional. From the start, Caroline has been impressively timely; she has a very streamlined approach to tasks and makes communication easy. I would highly recommend Topspin Finance!
Clarisse McGowan | Owner & CEO Clarisse Hair Salon Group

Caroline is very professional and strategic, and very experienced in accounting and finance. She delivered our cash flow forecast and annual budget within the agreed upon time and walked us through the numbers until we understood. I feel confident running my business since then. Highly recommended!

Read a Case Study

$six step cashflow playbook. A fractional CFO holding a pen.$

THE TOPSPIN EFFECT

We provide the financial leadership your business needs by driving strategy, guiding decision making and improving processes.

It's that simple!

LEARN MORE ABOUT US

Why Topspin Finance

We Lead: Proactive finance team that runs the process for you.
Beyond Bookkeeping: We build your full financial operating system.
Scales With You: Support evolves as your business grows.
Clear Strategy: Insights that drive confident decisions.

We’re not just another accounting service. We’re your financial co-pilot - helping you take control of your numbers and chart a smart path forward.

$1M–$25M Revenue: Businesses scaling beyond basic bookkeeping.
Owner-Led: Founders who want clarity without managing the finances themselves.
Growth-Minded: Committed to better systems, strategy, and long-term success.

If your business is growing faster than your finance function can handle, we’re here to help.