The System: The People

Software narrows. People decide.

The System is one part engine and two parts staff work. The engine reads patterns; it has never met a lender, never sat across from an owner whose payroll is Friday, and never talked a credit analyst through an unusual file. The people have.

Three roles touch your file, and they all work from the same record of it.

Start the Assessment Back to the Overview

Three Roles, One File

Who does what on your file.

Advisors

Own the verdict

Your advisor runs the read, delivers the verdict with the reasoning shown, and faces the lenders. One name, one phone number, accountable from intake to funding. When the engine and reality disagree, the advisor is the one who notices and adjusts.

The file team

Own the follow-through

Document collection, lender queries, program registration mechanics, deadline chasing. The unglamorous work that decides whether a file moves in weeks or dies of attrition. They keep the file record current so nothing gets asked for twice.

PMG CPAs

Own the numbers

Mandeep Sahi’s CPA team builds the plans and projections lenders underwrite from, more than 1,200 since 2010, and does the books work when the not-yet branch calls for it: cleanup, monthly close, reporting. The same team carries you after funding.

The Quiet Promise

You tell your story once.

Owners who have shopped for financing know the grind: the same statements emailed four times, the same history re-told to every new voice, the question you answered in March asked again in May. That grind is what a shared file record kills. Your advisor, the file team, and the CPAs read and write the same record, so a handoff never resets the conversation.

It also means the work compounds. The statements gathered for the read become the plan’s baseline, the plan’s output becomes the application package, and the application package becomes the reporting the lender expects after funding. Gather once. Use everywhere. That rule is enforced by the System, not by anyone’s memory.

Questions, answered

What owners ask about the team.

Who do I actually talk to?

A named advisor who owns your file from intake to outcome. Not a queue, not whoever picks up, not a different rep each call. The file team and the CPAs work behind that advisor, and you will meet them when their part of the work touches you, but the accountability never moves.

Are the CPAs real CPAs?

Yes. PMG Accounting is led by Mandeep Sahi, a Chartered Professional Accountant with CPA Ontario, and her team has built more than 1,200 business plans since 2010. Several franchise brands name PMG their official accounting partner. The plan a lender reads from us is CPA-prepared, not template-generated.

Will I get passed around as the file moves?

The work moves between roles; the relationship does not. Placement, plan execution, and accounting hand the file back and forth inside the same record, and your advisor stays the voice you hear. If an engagement ever needs a new advisor, the record means the new one starts current, not cold.

Does a person actually read my financials?

Yes, with the engine’s read in hand. The pattern matching narrows where to look; the advisor and the CPAs do the looking. Numbers that smell wrong, a story the statements do not tell, an asset the engine cannot price: that is human work, and it changes verdicts regularly.

Meet the desk before you commit the file.

The first conversation is with an advisor, not a form. Bring the rough numbers; leave with a clear sense of whether the System fits your situation.

Talk To an Advisor How the Technology Works

You pay us, mostly when funding lands. Lenders pay us nothing.