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?

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.

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!

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!

Why Topspin Finance

  1. We Speak Service Business, Not Just Finance We track what matters for your business: profitability by client and project, cash flow cycles, utilization rates, and client concentration. We understand project-based revenue and why people costs dominate your P&L.

  2. We Give You Answers, Not Just Reports We don't just hand you numbers—we translate them into decisions. Should you hire? Raise prices? Fire a client? We help you answer those questions with data, not gut feel.

  3. We Scale With You (No Handoffs, No Gaps) You get the full financial stack under one roof: Bookkeeping → Controller → Fractional CFO. As you grow from $1M to $25M, we grow with you. No handoffs. No gaps.

  4. You Get a Partner, Not a Vendor Proactive insights, plain English, real availability, and we're invested in your success. We flag issues before they become problems and celebrate your wins.

  5. We're Built for Canadian Service Businesses We focus exclusively on Canadian service-based businesses—agencies, consulting firms, professional services, and trades. We understand your business model, tax environment, and cash flow cycles.

    The Bottom Line: You don't need another bookkeeper who just reconciles accounts. You need a financial partner who understands service businesses and helps you make smarter decisions. That's Topspin Finance.

We work with Canadian service-based businesses - from agencies to engineering firms to professional services - who are tired of:

  • Not knowing which clients or projects are actually profitable

  • Having revenue but no cash

  • Making hiring and pricing decisions based on gut feel, not data

  • Feeling like they're working harder but not getting ahead financially

Who We Work With

WE PARTNER WITH

Xero logo in a blue circle

Are you ready to watch your business flourish?