Accounting
Clean books are the raw material.
PMG Accounting is the accounting arm of PFG Financial. Mandeep Sahi, a Chartered Professional Accountant (CPA Ontario), has led PMG for over a decade, building the division from the ground up. Multiple franchise brands across North America send their franchisees to PMG as their official accounting partner.
Everything from bookkeeping to CFO-level reporting sits under one roof, based in Mississauga and working with owners across the GTA, Canada, and the US. The same clarity that wins franchises wins growth capital.
All Under One Roof
The services, and what each one carries.
Bookkeeping
Transaction recording, bank reconciliation, monthly close, HST/GST filing support. The data foundation.
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Payroll
Payroll runs, source deductions, CRA remittances, T4 slips. The compliance heartbeat.
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Tax
Corporate tax, HST/GST, tax planning, year-end filing. The bottom line, explained.
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Financial Reporting
Monthly statements, cash flow reports, performance dashboards. The data pipe into decisions.
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Franchise Accounting
Royalty reporting, multi-unit consolidation, franchisee P&L. The franchisor lens.
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From Books to Decisions
Clean books feed better decisions.
Bookkeeping is the bottom rung. Every business needs it; most know they do. Monthly reconciliation catches errors early; dashboards show cash flow before the quarter ends. It is unglamorous and essential.
Financial reporting is the next rung. Your raw bookkeeping feeds monthly P&L statements, cash flow summaries, and the balance sheet that lenders actually read. It is the data pipe that makes every financing application faster and every acquisition plan credible.
The top rung is advisory. Your clean reporting is the raw material of CFO-level strategy: cash flow forecasting, working capital planning, tax optimization, growth-stage capital planning. It is the conversation that turns a funding block into a forward plan.
All three rungs sit inside PFG Financial. You do not have to shop three vendors.
The PMG Story
Built by a CPA who knows what owners need.
Mandeep Sahi is a Chartered Professional Accountant, CPA Ontario, with over a decade leading PMG Accounting. She built the division from the ground up, watching what separates funded companies from stuck ones: the books.
Owners complain constantly online about accountants who show up once a year, hand back a T2, and disappear. PMG is different by design. Monthly engagement, forward-facing reporting, and the clarity to ask the next question: what does this cash flow mean for my growth, or my debt, or my plan?
Mandeep's standing with franchise brands is not accidental. Multiple franchisors send franchisees to PMG as their official accounting partner because her team speaks both languages: the owner's and the franchisor's. That dual fluency is why the brands keep sending people.
Questions, answered
What owners ask us about accounting.
What is the difference between a bookkeeper and an accountant?
A bookkeeper records transactions, reconciles accounts, and delivers monthly statements. An accountant reads those statements, interprets them against your business, and advises what changes. Bookkeeping is the who, the when, and the how much. Accounting is the why, the risk, and the next step. You need both.
When does a small business actually need an accountant?
The honest answer: as soon as you incorporate or hire employees. Before that, bookkeeping alone might suffice. The moment you file a corporate tax return, owe HST/GST, or run a payroll, you need someone who reads the CRA's rules, not just records the transactions. Most owners discover this late and pay penalties for it.
Can PMG take over a bookkeeping mess?
Yes. We see files that are months behind, miscategorized, or missing invoices. Cleanup takes time and costs money, which is why owners delay it. The earlier you bring it in, the less the catch-up costs. We quote cleanup by scope, do it methodically, then move to monthly cadence.
Do you only work with franchises?
No. We work with every business type: sole proprietors, partnerships, incorporated companies, multi-unit operators. Franchises are a speciality because royalty reporting and multi-location consolidation are intricate; we speak that language fluently. But our bookkeeping, payroll, and tax work applies to any small or mid-market business.
What software or cloud stack do you use?
We work with the owner, not around them. Most use QuickBooks Online, Xero, or FreshBooks; we integrate with your existing setup or recommend based on your complexity. The software is a tool. The clarity and the forward-looking reports are the value.
Facts follow CRA published guidelines as of June 2026.
Put the books in order.
Clean accounting is the foundation of every financing application, every growth plan, and every advisory conversation. Let's start.