Incorporation Services in Oshawa
We incorporate Oshawa businesses. Federal and Ontario incorporation, NUANS name search, investor-ready share structure, complete minute book, Business Number registration, HST and payroll accounts, sole proprietor to corporation conversion. Incorporation from just $35. No hourly billing. 1300+ five-star reviews.
We Incorporate Oshawa Businesses the Right Way from Day One
We incorporate businesses in Oshawa every week: skilled trades operators and contractors in North Oshawa, automotive parts suppliers near the GM Oshawa Assembly plant, medical clinics near Lakeridge Health, dental practices in Downtown Oshawa, restaurant operators along King Street and Simcoe Street, real estate investors across Durham Region, construction companies in Taunton and Windfields, retail businesses in the Oshawa Centre area, IT consultants in Samac and professional services firms throughout Oshawa. Every incorporation includes a multi-class share structure, complete minute book, CRA registrations and a tax planning conversation that sets the foundation for paying the lowest possible tax from your first dollar of revenue.
The most common mistake Oshawa business owners make is incorporating after they have already started earning income. A trades operator who incorporates 2 years late at $150,000/year in income has already paid $48,000 more in tax than they would have as a corporation. We incorporate you before you earn the first dollar so every dollar flows through the corporation at 12.2% instead of up to 53.53% personal. Our service fee is just $35.
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Sole Proprietorship vs. Corporation: The Tax Impact for Oshawa Businesses
| Annual Income | Sole Proprietor Tax (Ontario) | Corporation Tax (12.2% SBD) | Annual Savings from Incorporating |
|---|---|---|---|
| $80,000 | $18,200 | $9,760 | $8,440 |
| $120,000 | $31,400 | $14,640 | $16,760 |
| $150,000 | $42,300 | $18,300 | $24,000 |
| $200,000 | $62,400 | $24,400 | $38,000 |
| $300,000 | $104,600 | $36,600 | $68,000 |
| $500,000 | $196,900 | $61,000 | $135,900 |
Every Year You Delay Incorporation Costs You Money: Oshawa trades operators and contractors typically earn $120,000 to $250,000. At $150,000, the annual tax difference is $24,000. Two years as a sole proprietor before incorporating: $48,000 in additional tax you will never recover. Our incorporation service fee is just $35 (government filing fee additional). Incorporate before your first dollar of revenue, not after.
Federal vs. Ontario Incorporation for Oshawa Businesses
| Feature | Federal (CBCA) | Ontario (OBCA) |
|---|---|---|
| Filing fee | $273 (Corporations Canada) | $335 to $360 (ServiceOntario) |
| Name protection | Canada-wide. | Ontario only. |
| Operating across provinces | Automatic right to operate in every province. | Ontario only. Extra-provincial registration in each other province. |
| Named vs. numbered | Numbered: $273 total. Named: $273 + $13.80 NUANS. | Numbered: $335. Named: $335 + $13.80 NUANS. |
| Residency requirement | 25% of directors must be Canadian residents. | No residency requirement. |
| Best for Oshawa businesses | Construction companies, trades operators with projects across Ontario, automotive suppliers with national clients, service businesses expanding beyond Durham Region. | Medical professional corporations (OBCA required for MPCs). Dental professional corporations. Businesses with non-resident directors. |
Our Recommendation for Most Oshawa Businesses: Federal Incorporation. Federal costs less ($273 vs. $335), provides Canada-wide name protection and allows operation in every province. Oshawa construction and trades businesses taking projects across Ontario and beyond benefit immediately. Ontario is required for Medical and Dental Professional Corporations. Incorporation Services →
What Our Oshawa Incorporation Service Includes
| Service | What We Do |
|---|---|
| Articles of incorporation | Filed with Corporations Canada (federal) or ServiceOntario (Ontario). Corporation name or numbered company, registered office, director information and share structure. Federal: 1 to 3 business days. Ontario: 1 to 5 days. |
| NUANS name search | $13.80 for named companies. We confirm your corporate name is available across Canada and advise on conflicts. |
| Multi-class share structure | Class A voting common (founders), Class B non-voting common (family, future employees), Class C preferred (investors, holdco). Critical for Oshawa trades operators planning LCGE multiplication with family members. |
| Complete corporate minute book | Articles, bylaws, organizational resolutions, first director resolutions, share certificates, shareholder register, director register, transfer register. |
| Business Number (BN) registration | 9-digit BN registered with CRA. Required for all CRA accounts, banking and government filings. |
| GST/HST account registration | Registered with CRA. Oshawa construction companies must charge HST from day one. Automotive suppliers with US clients benefit from zero-rated treatment producing quarterly HST refunds. |
| Payroll account registration | RP account registered with CRA. Required for salary or employees. Common for Oshawa construction companies, restaurants and medical clinics hiring staff immediately. |
| WSIB guidance | For Oshawa construction and trades businesses, we advise on WSIB registration requirements and the clearance certificate process required for commercial projects. |
| Banking setup guidance | Documents your bank requires: articles of incorporation, minute book extract, BN confirmation and director ID. |
| Initial tax planning consultation | Salary-dividend optimization, RRSP room, HST method, SBD eligibility, holdco timeline, LCGE multiplication. Included at no additional charge. |
Oshawa Incorporation from Just $35. Tax Planning Included.
Articles, share structure, minute book, BN, HST, payroll. Everything you need. Government filing fee additional.
Oshawa Incorporation: Real Client Results
Electrical Contractor, North Oshawa
An Oshawa licensed electrician earning $185,000 as a sole proprietor was paying $57,800 in personal tax. We incorporated federally ($35 service fee + $273 government filing), set up 3 share classes, registered for HST, payroll for 4 employees, and implemented a 60/40 salary-dividend split. Annual tax savings: $31,200. RRSP room created: $40,200. Non-voting shares issued to the spouse for LCGE multiplication. The federal incorporation allowed the contractor to take projects in Hamilton and Kingston without extra-provincial registration.
Automotive Parts Supplier, Oshawa Industrial
An Oshawa automotive parts manufacturer with $420,000 in revenue had been operating as a sole proprietor for 4 years. We incorporated, performed a section 85 rollover to transfer $86,000 in CNC equipment and inventory tax-free, set up payroll for 8 staff, claimed Immediate Expensing on $124,000 in new machining equipment, registered for HST, and implemented salary-dividend optimization. Section 85 rollover saved $12,400 in tax. Annual going-forward savings: $42,800. M&P tax rate (25% on income above $500K) available on qualifying manufacturing revenue.
Family Physician, Lakeridge Health Area
An Oshawa family physician earning $260,000 was operating as a sole proprietor. We incorporated a Medical Professional Corporation under the OBCA with the restricted practice clause, applied for the CPSO Certificate of Authorization, set up 3 share classes including non-voting for the spouse, registered for BN and payroll for 2 clinic staff, and implemented salary-dividend optimization. Annual tax savings: $44,600. RRSP room created: $58,200. The MPC was authorized and operational within 16 business days. Incorporation Services →
Restaurant Owner, Downtown Oshawa
An Oshawa restaurant owner on Simcoe Street had been a sole proprietor for 2 years with $160,000 in net income and $44,000 in kitchen equipment. We incorporated, performed a section 85 rollover to transfer equipment and leasehold improvements tax-free, set up payroll for 11 staff, registered all CRA accounts and implemented salary-dividend optimization. Section 85 rollover saved $6,100 in tax. Annual going-forward savings: $28,800. We also recovered $3,600 in previously unclaimed ITCs on equipment purchases from the prior 12 months.
How Oshawa Incorporation Works at Gondaliya CPA
Consult
Free consultation: federal vs. Ontario, numbered vs. named, share classes, WSIB requirements. We advise on the best structure for your Oshawa business.
Incorporate
Articles filed, minute book prepared, share structure set up, corporate documents delivered. Federal: 1 to 3 business days. Ontario: 1 to 5 days.
Register
BN, HST, payroll and additional program accounts registered with CRA. Professional corporation regulatory applications filed.
Plan
Tax planning consultation: salary-dividend strategy, RRSP room, HST method, SBD eligibility, holdco timeline, LCGE multiplication.
Oshawa Incorporation Pricing
| Service | Our Fee (including HST) | Government Fee | What Is Included |
|---|---|---|---|
| Federal incorporation (numbered) | From $35 | $273 | Articles, 3+ share classes, minute book, BN, HST, payroll, banking guidance, tax planning consultation. |
| Federal incorporation (named) | From $35 | $273 + $13.80 NUANS | Everything above + NUANS search and conflict assessment. |
| Ontario incorporation (numbered) | From $35 | $335 | Same deliverables. Filed with ServiceOntario. |
| Professional corporation (medical, dental) | From $200 | $335 + regulatory fee | OBCA with restricted practice clause. Regulatory college application. Practice-restricted minute book. |
| Sole proprietor to corporation conversion | From $500 | Government fee additional | New corp + transfer of operations. Section 85 rollover ($1,500 to $2,500 additional) for tax-free asset transfer. |
Bookkeeping Clients Receive Incorporation FREE: Oshawa business owners who sign up for monthly bookkeeping ($100/month) receive incorporation at no service charge (government filing fee only). The bookkeeping plan includes bank reconciliation, HST filing, monthly financials and the T2 corporate tax return filed FREE every year. Book Free Consultation →
Types of Corporations for Oshawa Businesses
| Corporation Type | Best For | Key Feature |
|---|---|---|
| Operating corporation (opco) | Every active business: trades, construction, automotive, restaurants, retail, professional services, real estate investment. | Standard corporation at 12.2% SBD rate. Start here. |
| Holding corporation (holdco) | Business owners with retained earnings exceeding $200,000. | Tax-free dividends from opco. Creditor protection. Estate planning. Common for Oshawa construction companies that accumulate cash from multi-project operations. |
| Medical Professional Corporation (MPC) | Physicians in Oshawa (Lakeridge Health area). | OBCA required. Restricted practice clause. CPSO Certificate of Authorization. |
| Dental Professional Corporation (DPC) | Dentists in Oshawa. | OBCA required. RCDSO Certificate of Authorization. Associate buy-in via preferred shares. |
| Multi-shareholder corporation | Construction partnerships, trades co-owners, joint venture entities. | Multiple share classes. Shareholder agreement. LCGE multiplication across all shareholders and spouses. |
Our Oshawa Office
We serve Oshawa clients from our local office. In-person and virtual consultations available. We serve clients in Downtown Oshawa, North Oshawa, South Oshawa, Taunton, Windfields, Samac, Eastdale, Lakeview, Northwood, McLaughlin and all Oshawa neighbourhoods. We also serve clients throughout Durham Region including Whitby, Ajax, Pickering and Clarington.
210 Durham St, Oshawa ON L1J 5R3
Industries We Incorporate in Oshawa
Frequently Asked Questions: Oshawa Incorporation
Meet Your Experts
Sharad Gondaliya, CPA
Founder & Managing Director
Gondaliya CPA Professional Corporation
Sharad leads incorporation and corporate tax planning for Oshawa businesses. Construction structuring, trades operator optimization, section 85 rollovers, salary-dividend strategy and LCGE multiplication.
Vandana, CPA
Senior Accountant
Gondaliya CPA Professional Corporation
Vandana manages bookkeeping, HST and payroll for Oshawa corporations. Monthly financials, T2 preparation, T5018 filing and CRA correspondence for newly incorporated businesses.
What Our Clients Say
1300+ five-star reviews from business owners across Ontario and Canada.
10 Smart Incorporation Strategies That Can Save Oshawa Business Owners Money
1. Incorporate before earning your first dollar to lock in 12.2%
Every dollar earned as a sole proprietor is taxed at your personal rate (up to 53.53% in Ontario). Every dollar inside a corporation is taxed at 12.2% under the SBD. An Oshawa electrician earning $185,000 saves $31,200 in the first year by incorporating before the first job. Our service fee is $35.
2. Issue non-voting shares to your spouse at incorporation to multiply the LCGE
The Lifetime Capital Gains Exemption shelters $1,281,866 per shareholder. Issuing non-voting shares to your spouse at incorporation doubles the exemption to $2,563,732. This costs nothing at incorporation but saves hundreds of thousands on a future business sale.
3. Use a salary-dividend split from your first pay period to create RRSP room
Most Oshawa business owners default to 100% dividends. But dividends create zero RRSP room. A 60/40 salary-dividend split on $200,000 creates $72,000 in cumulative RRSP room while keeping the combined tax lower than either salary-only or dividend-only.
4. Register for HST at incorporation and claim ITCs on every expense
Oshawa construction companies must charge HST from day one. Registering at incorporation allows you to claim ITCs on all startup expenses including tools, vehicles, equipment and materials. A trades operator spending $30,000 on tools and a vehicle recovers $3,900 in ITCs.
5. Claim Immediate Expensing on equipment purchased through the corporation
An Oshawa automotive parts manufacturer buying $124,000 in CNC equipment or a contractor buying $45,000 in tools and a work vehicle gets the full amount as a year-one deduction under Immediate Expensing. Incorporate before the purchase.
6. Use a section 85 rollover to convert from sole proprietorship tax-free
An Oshawa automotive supplier with $86,000 in equipment and inventory who incorporates without a section 85 rollover pays approximately $12,400 in unnecessary tax. The rollover transfers everything to the new corporation at tax cost, deferring the gain entirely.
7. Plan for the holdco from incorporation so passive income never erodes the SBD
Passive investment income above $50,000 erodes the SBD, costing up to $71,500/year. We discuss the holdco timeline at incorporation and trigger the setup when retained earnings reach $200,000. Oshawa construction companies with strong cash flow often reach this within 18 to 24 months.
8. File T5018 on time to avoid CRA penalties and audit triggers
Oshawa construction companies must file T5018 slips reporting subcontractor payments of $500+. Missing T5018s trigger $25/day penalties per slip and a CRA audit of the entire subcontractor payment structure. We file T5018 for every construction client.
9. Structure worker classification correctly from day one
CRA targets Oshawa construction and trades businesses for worker misclassification. Classifying employees as contractors to avoid CPP, EI and payroll triggers reclassification, back-assessed CPP/EI for all years, penalties and potential prosecution. We review every worker relationship at incorporation.
10. Bundle incorporation with bookkeeping and get the service fee waived entirely
Oshawa business owners who sign up for monthly bookkeeping ($100/month) receive incorporation at no service charge (government filing fee only). The bookkeeping includes bank reconciliation, HST filing, monthly financials and the T2 filed FREE every year. Incorporation Services →
Oshawa Incorporation from Just $35. Tax Planning Included.
Articles, share structure, minute book, BN, HST, payroll. Everything you need to start your Oshawa corporation. Government filing fee additional. 1300+ five-star reviews.