Bookkeeping
Transaction clarity every month.
Cloud bookkeeping is the raw material of every financing decision. Monthly reconciliation, expense categorization, cash flow visibility, and HST/GST tracking in one system. You own the data; PMG reads it the way lenders read it.
It is unglamorous work and essential work. Start here, then grow into reporting and advisory.
What You Get
The monthly stack of deliverables.
Monthly bank and credit card reconciliation, coded to your chart of accounts, checked for errors and duplicates before you see it. Cash flow visibility: you know your closing balance and your spending by category before the month ends, not three weeks after. HST/GST tracking is baked in; you do not have to audit invoices yourself when filing season arrives.
A dashboard that lives in your accounting system shows the same data your lender will read: monthly revenue, expenses by category, net profit or loss, cash position. You do not have to wait for a spreadsheet in someone's inbox.
Monthly communication: we catch the discrepancy early, ask the clarifying question, and file away the context. Cleanup is continuous, not a year-end scramble.
Bottom Rung, Pointing Up
Bookkeeping is the foundation of everything above it.
Many owners hire a bookkeeper and expect the job to end there. It does not. The next step is financial reporting: taking your monthly numbers, validating them against your bank statements, and turning them into P&L and cash flow reports that mean something to someone outside your business. A lender, an accountant, a business advisor.
Clean books feed faster financing applications. A file with six months of reconciled statements, coded to the lender's underwriting ratios, moves in weeks instead of months. That is not magic. That is competent bookkeeping.
The ladder does not stop at reporting. Most owners eventually ask: what does this cash flow mean for my growth? Do I have enough to refinance? What is this division really costing me? Those are CFO-level questions, and they live on the next rung.
Start here. Grow into financial reporting. End in advisory. We sit on every rung.
The Onboarding
How a bookkeeping engagement starts.
Questions, answered
What owners ask us about bookkeeping.
What does bookkeeping actually cost in Canada?
The market ranges are wide: hourly rates from $30 to $150 depending on complexity and geography; monthly retainers from $200 to $2,500 depending on transaction volume. We quote based on your monthly transaction count, bank reconciliation complexity, and cleanup scope if needed. Simple businesses cost less. Growing businesses with payroll, inventory, and multi-location reporting cost more.
How behind is too behind to bring in?
There is no point of no return. We have taken over files that are a year behind or completely miscategorized. The later you bring it in, the more expensive the catch-up is, and the longer you have been flying blind on your cash position. Earlier is cheaper. That said, we can fix it.
Is bookkeeping the same as accounting?
No. Bookkeeping is the transaction recording and reconciliation. Accounting is the interpretation and the strategy. A bookkeeper ensures your numbers are correct. An accountant tells you what the correct numbers mean for your business. You need both.
Do I still need a bookkeeper if I use accounting software?
Software is a tool. It records transactions; it does not reconcile banks, spot duplicates, or categorize correctly without human judgment. Many owners set up QuickBooks or Xero and abandon it halfway through the year when data entry feels tedious. A bookkeeper keeps the rhythm; the software keeps the data.
Market pricing data follows published Canadian firm rates as of June 2026.
Get your books into motion.
Monthly bookkeeping is the foundation of every financing application and every growth plan. We handle the recording and reconciliation; you see your cash flow in real time.