🇨🇦 Canadian-owned · Your data stays in Canada · A finance brain + AI

The books you dread,
done for you — by a finance pro, not a bot.

AI does the grunt work. A real finance pro owns the judgment. You approve every filing.

Clean books, GST/HST and payroll handled, and a monthly report you'll actually read — at a small-business price. Your books stay in your own QuickBooks or Xero, so you're never locked out.

From $299 CAD/mo · Canadian data residency · Month-to-month — cancel anytime, keep your books.

Canadian-owned Data stays in Canada You own your books FRM-certified · 19 yrs in finance & FP&A
ON13% HSTBC12%AB5% GSTQC14.975%MB12%SK11%NS15% HSTNB15% HSTNL15% HST· every province auto-detected

Sound familiar?

You didn't start your business to do bookkeeping. But here you are.

Behind on GST/HST

Deadlines creep up, the numbers aren’t ready, and you’re filing in a panic — or late.

Books are a mess at year-end

Every spring is a scramble and a surprise cleanup bill from your accountant.

No idea what cash looks like

You can’t see runway, margin, or what next month holds — so you’re flying blind.

Your bookkeeper just does data entry

Reports land three weeks late and nobody ever tells you what the numbers mean.

There are two ways to fix your books.

Most “AI bookkeeping” hands you an app and leaves you to run it. We just do the work.

Do-it-yourself apps
  • You still categorize and reconcile every transaction
  • A bot decides — no human is accountable for the result
  • Small errors pile up quietly and surface at tax time
  • If the app shuts down, your books can go with it
With Finel
  • A real finance pro owns your file end-to-end
  • AI just makes it fast and affordable
  • Every filing reviewed — you approve before it’s sent
  • Your books live in your own QuickBooks or Xero — always yours

You don't buy software and still do the work. We do the work.

How it works

From a free health check to your first clean close in about 30 days. No migration fees, no long contract.

01
20 min · no cost

Free books health check

We look at your current books and tell you exactly what’s off, what’s missing, and what clean would look like. No cost, no obligation — you keep the assessment either way.

02
Week 1

Connect & catch up

We link your QuickBooks or Xero and bank feeds and pull in your history. Behind a few months — or years? Catch-up is a one-time cleanup, quoted up front, then you start fresh on a monthly plan.

03
Ongoing · flat fee

Monthly operations

Books closed, reconciled, GST/HST and payroll filed on time, and a monthly report that explains your numbers in plain English. You approve every filing before it goes anywhere.

04
When you’re ready

Grow into more

Add payroll, AR/AP, controller-level reporting, or a fractional CFO as you scale. Same finance partner — you don’t start over.

What lands in your inbox every month

A service is invisible until you see what you actually get. Here it is.

Clean, reconciled books

Every transaction categorized; bank, card, and Stripe reconciled monthly.

GST/HST filed on time

All provinces. On-time filing guaranteed — we cover the work, you sign off.

A monthly report you’ll read

P&L, balance sheet, cash position — and a short note on what it actually means.

Year-end package, no scramble

Clean books and a tidy hand-off your accountant (or our tax partner) will love.

Want to see a real monthly report? Ask for a sample on your free health check.

Who runs your books

A finance person — not a faceless platform.

I've spent 19 years in corporate finance — FP&A, financial modeling, M&A, and risk management — for everyone from telecom and broadband operators to global banks and fast-growth firms across North America, Europe, and Asia. FRM-certified, with a Master's in Financial Management from Erasmus University (Rotterdam) and an engineering degree from IIT Delhi. I got tired of watching small businesses get nothing but data entry from their bookkeeper — so I built the AI finance system I wished existed.

Now I run it for Canadian small businesses. You work directly with the person accountable for your books — and you get the kind of financial insight that usually only shows up when you can afford a CFO.

19 yrs
finance & FP&A
FRM
certified
100%
you approve filings
We do
  • Categorize and reconcile every transaction
  • Close your books each month
  • File GST/HST + payroll remittances on time (all provinces)
  • Prepare T4 / T4A and ROEs
  • Run AR/AP — invoices out, bills in, approval queue (Finance Ops tier+)
  • Prepare your year-end package
  • Prep T2 corporate-tax workpapers + coordinate with your accountant / our tax partner
  • Deliver a plain-English monthly report + cash view
  • Keep your books in YOUR QuickBooks/Xero — always yours
You do
  • Approve filings before they’re submitted
  • Approve payments above your threshold
  • Glance at the monthly report (~15 min)
  • Tell us about new hires, entities, or big contracts
  • Make the calls — we hand you the numbers to make them with

Start with clean books. Grow into a finance team.

Most clients start with Books and graduate as they scale — same finance partner the whole way. You don't buy a bigger box, you grow into one.

MonthlyAnnual save ~16%

All prices CAD · month-to-month · GST/HST added at checkout · catch-up cleanup quoted separately

Starter
Books Lite
Just need clean books · 1 entity
from$299/mo CAD
  • Monthly bookkeeping — every transaction categorized
  • Monthly close + reconciliations
  • Financial statements (P&L + balance sheet)
  • Plain-English monthly report
  • GST/HST filing — optional add-on
Get a free health check
Most popular
Foundation
Books
Books + sales tax, handled · 1 entity
from$399/mo CAD
  • Everything in Books Lite
  • GST/HST filed on time (all provinces)
  • Year-end package for your accountant
  • Priority monthly close
Get a free health check
Operations
Finance Ops
You have a team · payroll + AR/AP
from$899/mo CAD
  • Everything in Books
  • Full payroll + PD7A remittance (CPP / CPP2 / EI)
  • T4 / T4A + Record of Employment
  • AR — invoices, collections, customer credit
  • AP — bills, approval workflow, payment runs
  • Monthly close in 5 business days
  • Quarterly review with you (and your accountant)
Get a free health check

As you scale

Financial control
Controller
Multi-entity · board-ready
  • Everything in Finance Ops
  • Multi-entity consolidation with FX
  • T2 corporate-tax prep + accountant coordination
  • SR&ED / R&D credit identification
from$7,500
/mo CAD · custom-scoped
Book a call
Strategic finance
Fractional CFO
Scaling · raising · acquiring
  • Everything in Controller
  • Forecasting + 90-day cash + scenarios
  • Board packs drafted, reviewed, presented
  • Fundraising prep — data room + model review
from$12,000
/mo CAD · custom-scoped
See CFO services
A no-risk start

Start with a free books health check. Then go month-to-month — cancel anytime, and keep your books if you ever leave. No lock-in, no long contract, no surprises. You stay because the work's good, not because you're stuck.

Get a free health check

When you're handing over your books, trust isn't optional

So here's exactly how we earn it.

Your data stays in Canada

Hosted on Canadian infrastructure. Built around Canadian privacy expectations.

You own your books — always

Your books live in your own QuickBooks/Xero. If you ever leave, you keep everything. No lock-in, no hostage data.

On-time filing guarantee

We file your GST/HST and payroll on time — and if we make an error, we fix it free.

A real finance person, not a bot

19 years in finance and FP&A. AI does the data entry; a human owns the judgment; you approve every filing.

The system behind the service

You don't buy software here — but it's why a small firm can do this fast, accurately, and affordably. All of this is already built and running.

GST/HST — all provinces & territories
PD7A payroll remittance (CPP + CPP2 + EI)
T4 / T4A + Record of Employment
T2 workpapers + SR&ED identification
AP approval workflows + PO matching
Hash-chained, audit-ready decision log
FINTRAC / OSFI sanctions screening
QuickBooks / Xero — your data, your platform

Questions worth asking

Do you replace my accountant?

No — we keep your books clean all year and hand your accountant a tidy year-end package. For corporate tax we prepare the workpapers and coordinate with your accountant, or bring in our tax partner.

Is AI doing my taxes?

No. AI handles the repetitive work — categorization, matching, reconciliation. A real finance person reviews everything, and nothing is filed until you approve it.

Do I keep my data? What if you disappear?

Your books live in your own QuickBooks or Xero — they’re yours, always. You’re never locked into a platform you can’t leave. That’s the whole point.

What if I’m behind on my books?

Completely normal — most new clients are. Catch-up is a one-time cleanup project, priced on how far back we go and quoted up front after your free health check. Once you’re current, you’re on a simple monthly plan.

Who actually does the work?

You work directly with the person accountable — a finance operator with 19 years in the field — supported by our AI system. Not a faceless platform, not a rotating offshore team. 19 years in finance, FRM-certified.

Do you handle Quebec (QST)?

Yes — GST/HST, QST, and PST across every province and territory, tracked per jurisdiction.

Can I start small and grow?

That’s the design. Start with Books, add payroll and AR/AP, then controller and CFO support as you scale — same partner, no restart.

Is there a long contract?

No long lock-in. Month-to-month. If it’s not a fit, you walk away owing nothing — and keep your books.

Let's start with a free look at your books.

A 20-minute books health check. We'll tell you what's off, what it should cost, and what clean looks like — no cost, no obligation.

Month-to-month · no migration fees · your data stays in Canada · you keep your books.

Get a free books health check

Or email books@finel.ai directly · same-day reply