CFO & Advisory
Financial leadership, without the executive hire.
Somewhere past $500K in revenue, the books stop being the problem and the decisions start: pricing, hiring, a second location, a facility that needs negotiating. A full-time CFO costs more than the problem; no CFO costs more than that.
Fractional CFO work covers the gap. Ours comes with something the rest of the market stops short of: we do not just improve the numbers, we walk them into the bank. Get fundable, get funded, stay funded, as one engagement.
The Difference
Most CFO services stop at the bank’s door.
The fractional CFO market is good at dashboards and forecasts, and almost none of it does lender work: not the file preparation, not the placement, not the covenant care after funding. Financing brokers do the opposite: they walk through the bank’s door but have no role in the numbers before or after.
We run the whole arc because the firm is built for it: PMG’s accountants keep the books and reporting, the advisory work turns them into decisions, and the financing desk has placed over $3 billion since 2010. The CFO who builds your forecast is connected to the desk that knows which lender will fund it.
The Work
Four pillars, scoped to what the business needs.
The honest scoping note: not every business needs all four, and a business under roughly $500K in revenue usually needs clean books and monthly reporting before it needs a CFO. We will say so when that is the answer.
CPA Business Plans
A plan written for the person who can decline it.
Most business plans are written to inspire. The credit analyst reading yours is not looking for inspiration: they read the cash flow projection, the use of funds, and whether the assumptions survive their ratios. PMG’s CPA team has prepared more than 1,200 plans since 2010 for exactly that reader, and 95 of the last 100 CSBFL applications we built around them were approved.
The plan is the one fixed-scope piece of the advisory lane: market analysis, three-year projections, and a structured funding request, quoted up front and delivered as a document a lender, a landlord, or a franchisor can underwrite from. It is also where many client relationships start, because it is where the gap between the business and the bank usually lives.
The System
First, we read your file the way lenders read it.
CFO engagements often begin where an assessment found the gaps: the books, the reporting, or the file standing between you and the next facility. Every engagement starts with the same assessment: your financials and your ask, weighed against what each lender desk actually approves. It ends in one of two places, and both of them move you forward.
If the file is fundable
It goes to the right desk, and only the right desk.
We match your profile to the lenders whose approval patterns fit it. No blasting your file across forty inboxes, no surprise calls from lenders you never chose.
If it is not fundable yet
You get a plan that names what blocks you.
What stopped the file, what changes it, and how long that takes. Most declines are fixable; the plan is the work of fixing them, on a timeline you can hold us to.
Questions, answered
What owners ask about advisory work.
What does a fractional CFO cost in Canada?
Market retainers commonly run $2,500 to $12,000 a month depending on depth and hours, with project work quoted separately. We scope to the four pillars the business actually needs rather than selling a package, and the quote comes before the engagement. The comparison that matters: a full-time CFO in this market is a six-figure commitment before bonus.
I already have an accountant. What does this add?
Different jobs. Bookkeeping records what happened; year-end tax reports it; CFO work decides what happens next. The practical line: if the questions on your desk are pricing, capacity, expansion, or financing, those are forward decisions, and historical books alone do not answer them. When PMG runs your books, the data pipe into this work is already built.
Is my business too small for this?
Possibly, and we will say so. Under roughly $500K in revenue, the highest-return move is usually clean books, monthly reporting, and a tax plan, which cost less and fix more. The CFO lane earns its fee when the decisions get expensive: multi-location operations, financing rounds, ownership changes, margin problems that bookkeeping can see but not solve.
Can you just write the business plan?
Yes. The CPA plan is fixed-scope work: market analysis, three-year projections, and a structured funding request, quoted up front. More than 1,200 delivered since 2010. If the plan is headed to a lender, the same engagement can carry it through placement, which is where the success-fee model takes over: you pay for the plan, and the placement fee lands mostly when funding does.
Will you deal with my bank directly?
Yes, and it is half the point. Lender-facing work is where this lane differs from the dashboard-only market: we prepare the reporting your lender wants, sit in the covenant conversations, and run the next facility before it is urgent. Lenders read a professionally maintained file as lower risk, and the pricing usually follows.
Market rate ranges reflect published Canadian fractional CFO pricing as of June 2026; engagement quotes are scoped individually before work starts.
Put a CFO on the problem, not on the payroll.
One scoping conversation maps the four pillars against your business and prices the engagement. If the honest answer is that you need bookkeeping first, you will hear that instead.
Advisory work is quoted before it starts. Placement work pays mostly on funding.