Accounting & bookkeeping · Milton, Ontario
Sattva Financial Partners keeps the books for Canadian small businesses — with CPAs in our network for the year-end and the T2. One firm, one number to call, and you always know where you stand.
Services
One file, one team, one number to call. Everything marked in-house is done by us, on our own platform. Everything marked network is performed by a licensed CPA or partner we bring to you — so you're never the one managing two firms, and never the one chasing them.
Reconciled continuously, not in a month-end panic.
Every pay run, every remittance, on time.
Tracked on every line as it's posted.
A live dashboard, not a PDF you chase.
The numbers before the decision, not after.
Behind or broken books, rebuilt properly.
Filed and signed by a licensed CPA.
For lenders and third parties who need it.
Planned before year-end, when it still matters.
The bank's six questions, answered from your own books.
Starting out? We'll get the company stood up properly.
Journal IQ consolidates every transaction, cross-checks it against your own chart of accounts, and flags the inconsistencies a tired human would scroll past — duplicate entries, wrong tax codes, a payment that never cleared. It doesn't guess, and it can't invent an account to make a number fit. Nothing quietly falls through the cracks.
The machine does the volume so the person has time to think. You get a named account lead who knows your file — for the setup, the awkward question, the CRA letter, the loan application. And when the work needs a licence, we bring the CPA to you rather than sending you off to find one.
Getting started
You do about ninety minutes of work in total. We do the rest, and we tell you what we found — including the parts you won't enjoy hearing.
Twenty minutes. What you sell, how money moves, what's broken. If we're not the right firm for you, we'll say so and point you somewhere better.
DAY 0 · 20 MIN
Read-only bank feeds, your existing file, a year of statements. We come back with a written diagnostic: what's clean, what's wrong, what it costs to fix.
DAYS 1–5
Chart of accounts rebuilt, prior periods reconciled, HST positions corrected. One fixed, quoted price — agreed before we touch anything.
DAYS 5–25
Dashboard opens and your account lead is introduced by name. From here the books stay current week to week, so the monthly close is a review — not a rescue.
DAY 30 ONWARD
Financing readiness
When you walk into a lender, they ask the same six questions every time. Five of them are answered directly out of a well-kept set of books — which is why most declined applications are a paperwork problem, not a credit problem. Here is what they'll ask, and where the answer comes from.
They want you to speak about your own sales, margins and profit without hesitating. Fumbling this question ends the meeting.
Your Sattva file: current P&L and balance sheet, reconciled — not a guess from last year's return.
“Open a store” is not an answer. They want the location, the expected revenue lift, and the exact split of what the money buys.
Your Sattva file: a projection built off your real numbers, with the use of funds itemised.
Skin in the game. They need to see your own capital at risk — it signals commitment and lowers their exposure.
Your Sattva file: owner contributions, shareholder loans and equity, documented and defensible.
How does this loan fit the next three years, not just the next three months? Lenders fund direction, not impulses.
Your Sattva file: budget vs. actual history that shows you hit what you forecast before.
Personal and corporate credit both get pulled. For most small businesses, the two are inseparable to a lender.
Your Sattva file: clean owner-manager records, and a CPA in network for the personal-corporate picture.
A polite test of whether you actually know what you're doing. They are watching how you answer as much as what you answer.
Your Sattva file: costed assumptions, documented risks, and evidence behind every number.
Your account lead assembles the lending package from the books we already keep. Residential mortgages are handled by a licensed mortgage agent on our team. Commercial lending, term loans, operating lines and equipment finance go to vetted partners in our network — and they get a file that is already reconciled, current and forecast.
Sattva does not lend money and does not charge for introductions. Mortgage services are provided by a licensed mortgage agent through their sponsoring brokerage. Commercial lending is arranged by independent partners.
The Sattva network
Most small businesses assemble their financial team one emergency at a time — an accountant in April, a broker when the lease renews, a lawyer when something has already gone wrong. We keep those people in one room, around one set of books, before you need them.
Year-ends, T2s, compilations and assurance — performed by licensed CPAs we engage and manage on your behalf. You brief us once; we brief them.
Sattva was designed by people trained inside global audit practices and three decades of systems architecture. Reconciliation standards, controls and evidence trails built for far larger files — applied to a business your size.
Residential mortgages through a licensed agent on our team. Commercial lending, term loans and equipment finance through vetted partners in our network. Lenders move faster on a file that is already reconciled and current.
Corporate lawyers in our network for incorporation, shareholder agreements, contracts and disputes. Introduced when it's cheap to ask, not when it's expensive to fix.
One relationship. Everything a growing business has to get right.
Talk to the bench →The platform · Journal IQ
Journal IQ is our own engine. It reads the statements, the receipts and the invoices, matches them against your chart of accounts — never an invented one — and drafts the entries. Then a human who knows your file reviews and approves. You get the speed of automation with somebody's name against every line.
Journal IQ reads your bank feeds and receipts as they arrive, not in a pile at month-end. So the books are close to current on any given day, and the monthly close becomes a review rather than a rescue.
Categorization is constrained to your own chart of accounts and your own history. If the engine isn't confident, it doesn't guess — it flags, and a person decides.
Each entry links back to the source document and the person who approved it. Audit trail by construction, not by scramble in April.
One person who knows your business, not a ticket queue. Because Journal IQ handles the volume, your account lead has time to actually answer you — and asking never costs extra.
A sample client view. Your dashboard, updated as the bank feeds arrive.
Software makes it fast.
Judgement makes it right.
Nothing about bookkeeping requires the delay most owners have come to expect. It's simply how the work has always been organised — in batches, after the fact, billed by the hour. We started from three frustrations we heard again and again, and designed the firm to remove them.
Books close weeks after the month is over. By the time the statements land, you've already spent the money and made the hire. That isn't reporting — it's an autopsy.
One quick question about a GST code sits in a queue behind tax season. You end up guessing, and the guess becomes an adjusting entry someone bills you to fix.
Hourly billing means the busy months cost the most and questions cost extra. So you stop asking questions — exactly when you should be asking more of them.
We built the firm around the opposite of all three.
What that looks like →Working together
The plans below are a starting point, not a gate. Some clients need everything; some need one thing done properly. Tell us where the business actually is and we'll build the engagement around it — flat monthly, per-transaction, or something in between. Every arrangement includes a named account lead, access to the network, and the dashboard, and questions are always part of the fee. Month to month, no lock-in.
$299 / month
Up to 100 transactions · no payroll
$599 / month
Up to 350 transactions · payroll to 5 staff
$999 / month
Up to 900 transactions · payroll to 15 staff
Alternative
For seasonal businesses, holding companies and anyone whose volume swings hard. You pay for what you post — nothing for the quiet months beyond a small platform fee. Same people, same dashboard, same close discipline.
Estimator
No email required. We'll show you both models — and recommend the cheaper one, even when it isn't the one we'd rather sell.
For comparison
| Service | Typical Canadian range | Sattva |
|---|---|---|
| Freelance bookkeeper, hourly | $30 – $90 / hr | Not billed hourly |
| Flat monthly bookkeeping, small business | $450 – $800 / mo | $299 – $999 / mo |
| Full-service package (books + tax + year-end) | $1,200 – $1,500 / mo | $999 + CPA year-end |
| Firm retainer with payroll & multi-entity | $1,500 – $2,500 / mo | Quoted, usually below |
| CPA / accountant, hourly | $150 – $400+ / hr | Network rate, fewer hours needed |
| Year-end clean-up of behind books | $500 – $3,000+ | $65 / hr, capped & quoted first |
| Asking your bookkeeper a question | Often billable | $0. Always. |
Ranges compiled from published 2026 Canadian bookkeeping and accounting pricing guides. Your quote depends on volume, payroll and how tidy the starting point is — which is exactly why we quote after we look, not before.
Questions people actually ask
Yes — in the network, where the licensed work belongs. Sattva's own team runs the bookkeeping, payroll, sales tax and reporting in-house, which is where speed and cost are won. When your file needs a licence — the T2, a compilation for the bank, an assurance engagement — a CPA in our network performs it, engaged and coordinated by your Sattva account lead. You don't manage two relationships. You don't re-explain your business twice. And because we hand them clean books, their hours go down.
We make you fundable, then we introduce you. A lender asks the same six questions every time, and five of them are answered straight out of well-kept books — how the business is doing, what the money is for, what you're putting in, whether you hit your last forecast, and whether you've done the homework. Most declines are a paperwork problem dressed up as a credit problem. We assemble the package from the books we already keep. Residential mortgages are handled by a licensed mortgage agent on our team; commercial lending goes to vetted partners in our network.
Journal IQ drafts entries by reading your statements, receipts and invoices — and it can only choose from your own chart of accounts, so it can't invent a category to make a number fit. Every proposal is reviewed and approved by a person on your account before it's posted. Nothing goes into your books on a machine's say-so alone.
Your data is — people are not, and we would rather say so than promise a night shift we do not run. Journal IQ processes your bank feeds and receipts continuously, so the dashboard answers "can I afford this?" at any hour without anyone having to be awake. Humans work business hours. What is different is that the machine has already done the volume, so when you do reach your account lead they are answering a question rather than digging through a backlog.
Then you're a completely normal new client. We quote catch-up separately and in writing before we start — you'll never get an open-ended hourly bill for a mess. It's cheaper than you fear and much cheaper than a CRA review of records that don't exist.
Tell us, or don't — we watch it. If you're consistently under your tier for three months we'll move you down and say so. If you blow past it, we'll quote the next tier before the work happens, never after. No overage invoices appearing without warning.
No. We work in what you already have and layer the Journal IQ dashboard over it. If your setup is genuinely holding you back we'll make the case for a migration, show you the cost, and let you decide. Your data is yours and leaves with you if you go.
Talk to a person
Bring your last bank statement and your worst question — about the books, the bank, the CRA or the deal you're trying to close. You'll leave with an honest read and, if it helps, an introduction to someone on the bench.
Call 416-417-1720 Email [email protected]Milton, Ontario · Serving businesses across Canada
Sattva
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