Tax Accountant for Factoring Companies in Ontario and Across Canada
A factoring company’s books have to answer one question on every single deal: which part of what you charged is exempt and which part is taxable. The discount taken on purchasing an invoice sits on the financial-service side, and whether a supply is a financial service is defined in ETA section 123(1), while the separately charged service, administration, wire and processing fees are the taxable line and must be split out. That characterisation is not automatic: it depends on how your programme is actually structured, so we determine it, document it and build the ledger to match. Because you then make both exempt and taxable supplies, you are a mixed supplier, and your input tax credits must be apportioned on a fair and reasonable basis. Underneath that we keep the advance out of expenses, the collection out of revenue, reserve holdbacks as a liability owed to your client, and discount income earned across the collection period. Flat-fee, no hourly billing, CPA Ontario, 1300+ five-star.
AFFORDABLE Factoring Company Tax Accountant
A factoring company earns in two layers, and the tax treatment of each layer is different. The discount taken on purchasing a receivable sits on the financial-service side, and whether a supply is a financial service is defined in ETA section 123(1). The separately charged service, administration, wire and processing fees do not sit there; they are the taxable line and must be split out. We do not treat that split as a given, because the characterisation depends on how each programme is actually structured, so we determine it, document it in writing and build the chart of accounts to match. What follows from the split is the duty we lean on hardest: if you make both exempt and taxable supplies you are a mixed supplier, and your input tax credits must be apportioned on a fair and reasonable basis, with the method documented and applied consistently every period. Get that wrong and you are either charging HST on revenue that never carried it or claiming credits against revenue that cannot support them.
Underneath the split sits a balance sheet most factors keep loosely. The advance you pay out today is not an expense and the customer’s payment sixty days later is not revenue — the purchased invoice is an asset, and only the discount and fee layer touches the income statement. The reserve holdback is a liability owed to your client until it is released, not income. Discount income is earned across the collection period rather than on the day you funded. And on a recourse programme, an uncollected invoice is a chargeback back to the client, not a quiet write-off by you. At Gondaliya CPA, we build factoring books that answer all of it, providing AFFORDABLE flat-fee support across Ontario and Canada.
Let us handle the numbers so you can focus on funding the deals that actually pay you.
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Accounting That Understands How a Factoring Company Actually Works
Funding invoices comes with financial realities a standard retail or service company never faces. Your revenue arrives in two layers with two different HST answers; the money you advance is an asset purchase rather than a cost; a slice of every deal is held back and owed to your client; and the one commercial fact that drives your whole loss picture is whether the programme is recourse or non-recourse. At Gondaliya CPA, we understand the financial reality of a factoring company and provide practical, factor-focused solutions across the GTA and all of Ontario.
Stay Compliant and Minimize Your Factoring Company Tax
For a factoring company, staying onside with CRA and paying the least legal tax are the same job. We keep every filing on schedule while classifying your discount income, your fee income, your advances and your holdbacks the way the rules actually require, so nothing is missed and nothing invites a reassessment.
Accounting & Tax Experts for Factoring Companies
- AFFORDABLE + Fully Registered CPA Firm
- Business and Corporate Tax Expert
- Small & Medium Business Expert
- Accounting, bookkeeping, and tax filing
- Certified CPA
- 1300+ 5-star Google reviews
- 30-Day Money-Back Guarantee
- 60-Day Fees Matching Policy
Why Choose Our Accounting Services for Factoring Companies?
Tax Planning — Discount Income & Structure
We keep active income under the $500,000 Small Business Deduction at roughly 12.2% in Ontario, set the salary-and-dividend mix, plan the section 85 rollover on incorporation, and protect the $1.25M Lifetime Capital Gains Exemption on a future sale.
Consulting — Exempt and Taxable Revenue
Our bookkeeping posts discount income and each separately charged fee to its own revenue line, carries advances as purchased receivables, holds reserve holdbacks as a liability, and supports a documented input-tax-credit apportionment.
CRA Representation — HST & Bad-Debt Audit
When CRA questions your revenue characterisation, your apportionment method or a bad-debt write-off, we prepare the response, produce the working papers, and pursue relief on Form RC4288 where penalties came from a prior error.
Bookkeeping — Payroll & Growth
We run T4 payroll for underwriting, operations and collections staff, reconcile to the PD7A, issue ROEs on separation, and model the profit level where incorporating your factoring company genuinely pays off.
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Factoring Company Clients
Factoring Company Tax and Accounting Services in Ontario
Corporate Tax Filing (T2) for Factoring Companies
Professional T2 preparation with discount and fee revenue on the correct Schedule 125 lines, purchased receivables carried as an asset, and CRA compliance on every line.
Bookkeeping & Accounting for Factoring Companies
Factoring bookkeeping that separates discount income from each taxable fee, carries advances and holdbacks correctly, and delivers monthly reporting built for a factor.
Payroll Services for Factoring Companies
T4 payroll for underwriting, operations and collections staff with PD7A remittances, ROEs, ESA vacation pay and WSIB coverage handled correctly.
GST/HST Filing for Factoring Companies
AFFORDABLE handling of the exempt discount and taxable fee split, with a documented mixed-supplier input tax credit apportionment on every return.
Tax Planning for Factoring Companies
Smart tax planning to protect the Small Business Deduction, set salary and dividends, time the section 85 rollover, and prepare the company for sale.
Corporate Catch-Up Filing for Factoring Companies
File overdue T2 and payroll years, rebuild missing funding, fee and holdback records, and get back into CRA compliance with accurate catch-up support.
CRA Audit Resolution for Factoring Companies
Expert support for HST characterisation, input-tax-credit apportionment and bad-debt write-off audits, with RC4288 relief handled with confidence.
CPA Financial Statements (Notice to Reader) for Factoring Companies
CPA-compiled financial statements that banks and funding partners accept, presenting purchased receivables, holdbacks and your facility clearly.
Incorporation Services for Factoring Companies
Full incorporation including NUANS, articles, share structure, and the section 85 rollover of your existing book of funded receivables and goodwill.
Catch-Up Bookkeeping Services for Factoring Companies
Reconstruct months or years of funding, fee and holdback records, rebuild clean books, and restore monthly reporting for your factoring company.
US Corporation & LLC Tax Filing for Factoring Companies
Cross-border filing for factors funding United States debtors, covering Forms 1120, 1120-F and 5472 alongside your Canadian returns.
Voluntary Disclosure Program for Factoring Companies
Come forward on unreported discount and fee income through the CRA Voluntary Disclosures Program, filing Form RC199 to reduce penalties before an audit.
Accounting & Tax Services Tailored for Factoring Companies
Real, practitioner-level CPA expertise for invoice factoring companies, freight and staffing factors, construction and manufacturing funders and spot-funding operations across Ontario — built for how a factoring company actually runs.
- We prepare your T2 with GIFI, reporting discount income and separately charged fee revenue on their own Schedule 125 lines and the purchased receivables as an asset on Schedule 100, so CRA never reads an advance as a deduction.
- We keep the advance out of your expenses and the collection out of your revenue, because only the discount and fee layer belongs on the income statement, a correction that removed $310,000 of phantom revenue from one factor’s restated return.
- We claim the reserve for doubtful debts under ITA 20(1)(l) on purchased receivables where collection is genuinely in doubt, and one Ontario factor recovered $14,600 of tax across two open years the prior preparer had simply missed.
- We deduct a receivable that has become uncollectible under ITA 20(1)(p) in the year the debt is established as bad, rather than leaving it sitting in assets and inflating the taxable income your factoring company reports to CRA.
- We keep active income under the $500,000 Small Business Deduction limit so the first half-million of discount and fee profit is taxed near the 12.2% Ontario combined rate, watching the associated-corporation rules before CRA grinds that limit down.
- We build your chart of accounts so discount income, service fees, administration fees, wire fees and processing fees each post to their own revenue line, because an exempt and taxable split cannot be rebuilt later out of one lump.
- We book the advance as a purchased receivable on the balance sheet rather than an expense, and the customer payment as a collection against that asset, so your income statement shows what you earned instead of gross cash movement.
- We record the reserve holdback as a liability owed to your client until it is released, not revenue, and we restated $86,000 of holdbacks one factoring company had been recognising as income for three straight quarters.
- We earn discount income across the collection period rather than on the day the invoice is purchased, so a ninety-day receivable does not throw an entire quarter of margin into the single month you funded it.
- We reconcile every funding, fee, holdback release and chargeback back to your client statements in QuickBooks Online or Xero, keeping the six years of records section 230 of the Income Tax Act requires behind every dollar reported.
- We run pay through Wagepoint for your underwriting, operations and collections staff, remit source deductions on the PD7A by the deadline, and keep you clear of the graduated late-remittance penalty that reaches 10% at its highest tier.
- We file T4 slips and the T4 Summary by the last day of February and reconcile them to the PD7A remittances already made, so a mismatch between what you withheld and what you reported never opens a payroll review.
- We register your factoring company for WSIB coverage from the first hire and keep the reporting current, because unregistered payroll surfaces at the worst moment and one client cleared $5,400 of accumulated arrears we caught early.
- We monitor Ontario Employer Health Tax once your annual payroll passes the $1,000,000 exemption, so a growing factor with thirty staff begins remitting on schedule rather than discovering the liability inside a year-end reconciliation.
- We separate employees from genuine independent contractors using the CRA control-and-integration factors, because misclassifying a collections officer can make your company liable for both halves of CPP and EI plus penalties on a payroll audit.
- We determine how your programme is actually structured before we file anything, because whether the discount taken on purchasing a receivable is a financial service under ETA section 123(1) turns on the substance of the arrangement rather than its label.
- Where the discount sits on the financial-service side it is exempt and carries no HST, and we record that conclusion in writing programme by programme so the position is provable on review instead of asserted after a query letter.
- We split out separately charged service, administration, wire and processing fees as the taxable line, because those are consideration for administrative work rather than for arranging finance, and mishandling HST on them is the error CRA finds first.
- Making both exempt and taxable supplies makes you a mixed supplier, so we apportion input tax credits on a fair and reasonable basis, document the method chosen, and apply it consistently every period rather than claiming the full amount.
- We test the $30,000 small-supplier threshold against your taxable fee revenue only, because exempt discount income is excluded from that calculation, so a factor funding millions is never pushed to register on income that never counted.
- We set the salary-versus-dividend mix for owners, paying enough T4 salary to build RRSP room while the balance flows as dividends, so combined tax stays near the 12.2% Ontario small-business rate rather than the 53.53% personal top rate.
- We complete the section 85 rollover on Form T2057 when you incorporate, moving your funded receivables, goodwill and equipment across at elected amounts, and one owner deferred $27,000 of tax that a straight sale of those assets would have triggered.
- We plan at least two years ahead so your shares qualify for the $1.25M Lifetime Capital Gains Exemption, purifying the company of the passive investments that quietly accumulate when undeployed funding capital sits idle between advances.
- We time the doubtful-debt reserve under ITA 20(1)(l) against a profitable year and release it in the correct period, so your taxable income follows the real collection experience of the receivables you actually bought.
- We time equipment and premises spending before your fiscal year-end, with office fixtures in Class 8 at 20%, the leasehold build-out in Class 13 and computers in Class 50, to give the largest first-year deduction available.
- We reconstruct discount income, separately charged fees and holdback movements from your funding records and bank statements where no bookkeeping exists across the unfiled years, so CRA cannot arbitrarily assess your factoring company on its own estimate.
- Late filing costs 5% of the balance owing plus 1% per month for up to twelve months, so we file your oldest unfiled T2 first to stop the penalty compounding, once saving a client $9,100 in penalties and arrears interest.
- We separate advances from expenses and collections from revenue across every reconstructed year, because gross cash treated as income inflates the tax owing, and untangling it cut one company’s restated taxable income by $22,000.
- We prepare the unfiled T4 slips and T4 Summaries and reconcile them to the PD7A for every year you ran payroll, filing them with the catch-up returns so slip and late-remittance penalties do not stack on top of the late T2.
- We rebuild the undepreciated capital cost pools across the unfiled years so missed depreciation on Class 8 fixtures, the Class 13 build-out and Class 50 computers is recovered inside the reassessment period rather than lost for good.
- When CRA questions your HST position, we produce the programme-by-programme characterisation file showing why the discount was treated as it was under ETA section 123(1) and exactly which separately charged fees were reported as taxable.
- Where CRA challenges your input tax credits, we produce the mixed-supplier apportionment working paper, the basis chosen and the evidence it was applied consistently, because an unsupported claim is reversed with interest on reassessment.
- We answer an HST or income tax query letter inside its stated deadline with the revenue split and the supporting ledger in one package, because a position disallowed for missing support cannot be rebuilt later at the objection stage.
- Where CRA disputes a bad-debt deduction, we show the collection history and the year the debt became uncollectible so the ITA 20(1)(p) write-off stands, and one factoring company preserved a $46,000 deduction on exactly that evidence.
- We file the Notice of Objection on Form T400A within 90 days of a reassessment and pursue taxpayer relief on Form RC4288 where a prior accountant’s error caused the penalties and interest your company is now carrying.
- We prepare CSRS 4200 compilation engagement financial statements, the Notice to Reader a bank or funding partner requires across two fiscal years before it approves or renews the credit facility a factoring company needs to fund advances.
- Your compiled statement of financial position presents purchased receivables as an asset, reserve holdbacks as a liability owed to clients, and your own borrowing separately, giving a lender the real picture that a bare T2 cannot.
- We build the statement of operations with discount income and separately charged fee income classified consistently across two years and tied to the T2 filed with CRA, so a lender approves the facility rather than declining on reclassified noise.
- The CSRS 4200 communication discloses that no audit or review was performed and sets out the basis of accounting and owner withdrawals, without which a bank rejects a factoring company’s financing file before it is even read.
- We deliver the compiled statements within 30 days of receiving your records and the year’s T2 figures, because financing collapses when a conditional offer expires first, once protecting a client’s $750,000 facility renewal by days.
- We incorporate under the Ontario Business Corporations Act, giving you limited liability and roughly 12.2% Ontario combined tax on the first $500,000 of active income, so an owner earning more than they draw stops paying at 53.53%.
- We complete the section 85 rollover on Form T2057 so your existing funded receivables, goodwill and equipment move into the corporation at elected amounts rather than triggering an immediate taxable gain on the transfer itself.
- We structure common voting and non-voting share classes so dividends can later be paid to family shareholders and the $1.25M Lifetime Capital Gains Exemption can be multiplied across them on a future sale of the company.
- We open the corporation’s CRA Business Number, payroll and GST/HST accounts and close the predecessor accounts inside the first 30 days, so your factoring company never reports the same discount income twice across two entities.
- We model the break-even first, because incorporation brings annual T2 filing and real compliance cost, and we recommend it only once retained profit genuinely exceeds what the owner needs to withdraw from the business each year.
- We rebuild months or years of missing books from your funding ledger and bank records, posting each advance, collection, fee and holdback release to the period it actually belongs in rather than the month the cash happened to move.
- We separate exempt-side discount income from taxable service, administration, wire and processing fees across every reconstructed period, because a catch-up file reporting one lump revenue line cannot support any HST position on a CRA review.
- We rebuild the reserve holdback ledger client by client so amounts still owed are carried as a liability, since holdbacks buried inside revenue are the fastest way to overstate three years of income all at once.
- Where a factor has left three years unrecorded, we typically surface $18,000 or more in deductible interest, software, professional fee and office costs that were never claimed, cutting the corporate tax owing on the catch-up returns.
- We complete a standard three-year catch-up within 45 days of receiving your records, then hand you reconciled monthly figures so the next funding run and the next remittance are recorded on time rather than a year late.
- When your factoring company funds invoices owed by United States debtors or operates through an American entity, we determine whether that income is effectively connected to a US trade or business and file Form 1120-F where an obligation exists.
- If you hold a US C-corporation or a single-member LLC to fund American receivables, we prepare Form 1120 and the Form 5472 information return every foreign-owned US entity must file, avoiding the $25,000 penalty for omitting it.
- We apply the Canada-US tax treaty to test whether your factoring company has a US permanent establishment, so funding the occasional cross-border invoice does not leave the same discount dollar taxed in both countries at once.
- We complete the W-8BEN-E your US clients request to reduce withholding, and coordinate FBAR and Form T1135 foreign-property reporting where the company holds a US bank account for settling American collections and fee receipts.
- By claiming the foreign tax credit on your Canadian T2 for US tax already paid, we routinely prevent double taxation worth $12,000 or more a year for factors running meaningful cross-border funding volume.
- We prepare and file Form RC199 to bring unreported discount income and separately charged fee revenue forward under the CRA Voluntary Disclosures Program, restoring years of missing figures before an audit or a matching letter lands.
- We confirm your disclosure is voluntary, complete and at least one year past due before we submit it, because an application that only arrives after CRA has already contacted your company no longer qualifies for penalty relief.
- Where the unreported amounts include taxable service, administration, wire or processing fees, we address the GST/HST that genuinely should have been collected alongside the unreported income tax within the same disclosure package.
- We gather your funding ledgers, client statements and bank records to quantify exactly what was left off past T1 or T2 returns, so the disclosed figures withstand the reviewer scrutiny that follows every single application.
- A successful VDP application waives gross-negligence penalties that can reach 50% of the tax owing and reduces arrears interest, frequently saving a factor who under-reported $120,000 of discount income well over $30,000.
Factoring Company Tax & HST Split Check
Six quick questions on your discount income, taxable fees, input tax credit apportionment, reserve holdbacks, revenue timing and whether it is time to incorporate. No fee shown.
1. Have you determined and documented whether your discount income sits on the financial-service side?
2. Are your service, administration, wire and processing fees split out as taxable revenue?
3. Are your input tax credits apportioned on a documented, fair and reasonable basis?
4. Are reserve holdbacks carried as a liability owed to your clients rather than booked as revenue?
5. Is discount income earned across the collection period rather than on the funding date?
6. Is your factoring company incorporated yet?
Free CPA Consultation for Factoring Companies
Case Studies: Factoring Company Accounting & Tax
Cambridge Invoice Factor — The Exempt and Taxable Split
The problem: A Cambridge factoring company funding manufacturing and freight invoices reported everything it charged on a single revenue line. The discount taken on purchasing each receivable and the separately charged service, administration and wire fees were indistinguishable, so no HST position could be supported either way, and input tax credits were claimed in full as though every dollar of revenue were taxable.
What we did: We reviewed how each funding programme was actually structured, documented the characterisation in writing, rebuilt the chart of accounts so the discount and every fee type posted to their own lines, and put a fair and reasonable input tax credit apportionment in place with the method recorded and applied consistently.
The result:
- Over-claimed input tax credits corrected before CRA reviewed
- Discount income and taxable fees split on every return
- Apportionment method documented and applied consistently
Barrie Staffing Factor — Reserve Holdbacks Booked as Revenue
The problem: A Barrie factor serving staffing agencies advanced roughly eighty percent of face value and held the balance back as a reserve until collection. Every holdback was recognised as revenue on the day the invoice was purchased, even though that money was owed back to the client, so income was materially overstated and the balance sheet showed no liability for funds held on clients’ behalf.
What we did: We rebuilt the holdback ledger client by client, reclassified unreleased reserves as a liability owed to clients, restated the affected periods, and moved discount income onto recognition across the collection period rather than the funding date.
The result:
- Six figures of holdbacks reclassified out of revenue
- Corporate tax recovered on income never truly earned
- Balance sheet shows what is owed back to clients
London Recourse Factor — Chargebacks Written Off Instead of Billed Back
The problem: A London factoring company ran an almost entirely recourse book, so the client carried the credit risk on every invoice funded. When a debtor failed to pay, the bookkeeper wrote the receivable off as a bad debt of the factor instead of charging it back to the client whose invoice it was. Contractually recoverable losses were quietly absorbed and nobody could tell which clients were generating them.
What we did: We separated recourse from non-recourse funding in the ledger, built a chargeback workflow that bills an uncollected recourse invoice back to the client and reverses it against their reserve, and reserved for doubtful debts only on the non-recourse side.
The result:
- Recourse chargebacks billed back instead of written off
- Doubtful-debt reserves limited to non-recourse exposure
- Client-level loss reporting available for the first time
Our clear, efficient process ensures every step is transparent, building trust and long-term client relationships.
Kickoff (Document Request)
Collect prior T2 returns, your funding ledger and client agreements, fee schedules, holdback records, payroll and T4 records, your facility statements and bank statements.
First 30 Days (Cleanup & Setup)
Set up QuickBooks Online or Xero, document the characterisation of each programme, split discount income from taxable fees, and configure advances, holdbacks and chargeback tracking.
Monthly Close
Monthly reconciliations, funding and collection matching, holdback ledger review, payroll and PD7A remittances, and exempt-versus-taxable revenue tracking on every filing period.
Quarterly Planning Review
Salary and dividend mix, input tax credit apportionment review, doubtful-debt reserve position, recourse and non-recourse loss experience, and the incorporation break-even.
Year-End Close & T2 Filing
Trial balance, financial statements carrying receivables and holdbacks correctly, T2 with GIFI, payroll slips and summaries, and CRA preparation.
Get Your Factoring Company Taxes Done Right Today
Affordable Pricing for Factoring Companies
We believe in clear, upfront pricing so you know exactly what to expect. All fees include HST.
- Tax Preparation (Corporation) — From $400
- Tax Return Filing (Corporation) — From $400
- Tax Compliance Audit — FREE CRA audit support for our clients
- Tax Strategy — FREE for our clients
- Accounting Base Plan — From $100 per month
- Bookkeeping Management — Free for our Accounting clients
- Financial Reporting — Free for our Accounting clients
- Business Formation — Flat $35
- Incorporation Process — Flat $35
- Entity Setup Assistance — Flat $35
- Full-Service Payroll — From $125 per month
Payment is by Interac e-Transfer to info@gondaliyacpa.ca only. Security question: Not Applicable, as auto-deposit is enabled.
Meet Your Lead Factoring Company Accountant
Meet your lead factoring company accountant. As your HST and corporate tax adviser, you deal with the same two people every year.
What Our Clients Say
1300+ five-star reviews from factoring, finance and small-business owners across Ontario and Canada.
Serving Factoring Companies Across Ontario
Our CPA team provides specialized accounting and tax solutions for factoring companies throughout Ontario. We understand how advances, collections, discount income, separately charged fees, reserve holdbacks and recourse chargebacks actually flow through a factor, what CRA looks at on a mixed-supplier file, and where the real margin sits once the collection period and the loss experience are settled.
Toronto (ON)
55 Queen St E Ste 1205, Toronto, ON M5C 1R6, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
Mississauga (ON)
5373 Bullrush Dr, Mississauga, ON, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
Brampton (ON)
4 Starhill Crescent, Brampton, ON L6R 2P9, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
Scarborough (ON)
24 Clementine Square, Scarborough, ON M1G 2V7, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
Vaughan (ON)
19 Cabinet Crescent, Woodbridge, ON L4L 6H9, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
Oshawa (ON)
210 Durham St, Oshawa, ON L1J 5R3, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
Ottawa (ON)
2090 Neepawa Ave a314, Ottawa, ON K2A 3L6, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
Etobicoke (ON)
60 Stevenson Rd #1601, Etobicoke, ON M9V 2B4, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
Hamilton (ON)
70 Starling Dr, Hamilton, ON L9A 0C5, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
Guelph (ON)
1155 Gordon St, Guelph, ON N1L 1S8, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
Windsor (ON)
4387 Guppy Ct, Windsor, ON N9G 2N8, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
North York (ON)
150 Graydon Hall Dr #912, North York, ON M3A 3B2, Canada
+1 (647) 212-9559
9:00 AM – 8:30 PM (Mon – Sun)
Factoring Company Accounting & Tax FAQs
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Factoring Company Accounting & Tax Done Right.
T2 filing, the exempt discount and taxable fee split under ETA section 123(1), documented mixed-supplier input tax credit apportionment, purchased receivables and reserve holdbacks carried correctly, recourse and non-recourse loss treatment, payroll and the $1.25M capital gains exemption under one roof. AFFORDABLE flat fees, no hourly billing. Licensed CPA Ontario. 1300+ five-star reviews. 30-Day Money-Back Guarantee.