A Modern Finance Practice · Built for Canadian Owners
Your books, balanced.
Your growth, forecasted.
Your overhead, gone.
GSH Financial runs the back office for Canadian founders, tradespeople and growing companies, bookkeeping, payroll, personal & corporate tax, GST/HST/PST filing and fractional CFO strategy on flat, transparent pricing. No hourly surprises. No junior-heavy CPA-firm overhead.
13-Week Cash Forecast
Live Model
Free, Forever · Built & Owned By GSH Financial
Meet GBooks Air. Bookkeeping software, on the house.
A full bookkeeping ledger that runs entirely in your browser. No account to create, no credit card, and nothing leaves your device unless you choose to share it. Free up to 20,000 transactions, forever.
We built it because a micro-business tracking a few hundred transactions a year doesn't need a monthly subscription, it needs something free that works, and a place to graduate to once it doesn't fit anymore.
Outgrown the free tier, or would rather hand it off entirely? That's what our bookkeeping team is for →
Bank CSV Import
RBC, TD, BMO, Scotiabank and CIBC formats, smart-mapped automatically.
All 13 Provinces
GST, HST, PST and QST calculated correctly, wherever you operate.
Receipt Scanning
Snap a photo, auto-categorized with smart vendor rules.
CRA Mileage & Reports
Current CRA rates, plus P&L, A/R and cash-runway reports.
Invoicing Built In
Professional invoices with PDF export, no separate tool needed.
Encrypted, Private Backup
AES-256 encrypted backups with a human-readable recovery key.
Our Infrastructure
The Ultimate Canadian Accounting Tech Stack
We don't run your finance function out of spreadsheets and email. Every engagement sits on a purpose-built, category-leading platform, matched to your size, not ours.
01, Core Accounting & ERP
QuickBooks Online and Xero HQ as co-primary engines for small-to-medium clients; the NetSuite Accountant Console for mid-market and multi-entity scaling clients.
02, Payroll, HR & Benefits
Payworks or Wagepoint for automatic Canadian statutory remittance filing (CPP, EI, income tax) and T4/T4A generation; Rippling for tech-forward or cross-border clients needing global payroll and IT device tracking.
03, Tax & Corporate Compliance
TaxCycle and Intuit ProTax for seamless, paperless T1, T2 and financial statement work in the cloud; Ownr and MinutesDepot for corporate registry, annual resolutions and minute-book maintenance.
04, AP, AR & Expense Automation
Dext Prepare and Hubdoc extract receipt data via OCR straight into QBO/Xero; Plooto and Rotessa automate Canadian pre-authorized debits and EFTs; Float and Jeeves issue Canadian corporate cards with instant receipt matching.
05, Practice Management, CRM & Billing
Ignition and GoProposal handle automated engagement letters, Canadian-compliant scope management and recurring fee collection; Pixie and Karbon keep every tax deadline, payroll run and monthly close on track across our team.
Why It Matters
A disconnected tech stack is where errors live. Ours is fully integrated end to end, from the point of sale to the filed return, so your numbers move once, correctly, instead of being re-keyed by hand five times.
How We Actually Deliver
Industry-grade process, not just industry-grade software.
Good software doesn't guarantee good delivery. The workflow discipline around it is what actually protects your deadlines and your data, here's what runs underneath every engagement.
Cloud Infrastructure
Every client file lives on enterprise-grade cloud infrastructure, no local drives, no single point of failure, accessible the moment you need it.
End-to-End Encrypted Sharing
Financial documents move between us over end-to-end encrypted channels, not as unprotected email attachments.
Audit-Trailed E-Signing
Every engagement letter and return is signed through an audit-trailed e-signature workflow, a timestamped, tamper-evident record of exactly who signed what, and when.
AI-Augmented Workflows
We layer AI-assisted review into reconciliation and data-entry steps, catching mismatches a single manual pass would miss, for more surgically precise output, reviewed by a human before it ever reaches you.
Lean Six Sigma Black Belt Process Design
Our internal workflows are engineered on Lean Six Sigma Black Belt principles: every recurring process is mapped, measured and continuously improved to remove variation and error.
Proprietary Deadline-Protection System
A proprietary internal workflow model tracks every filing deadline across every client file in parallel, with automatic escalation days before anything is due.
Early Submission As Standard
Deliverables are built to be finished ahead of the deadline, not at it, so there's always review time left before anything is filed.
Dedicated Client Account Manager
One named person owns your relationship end to end, not a rotating support ticket queue.
Core Engagements
Five disciplines. One monthly rhythm.
Each engagement stands alone or bundles into a full Virtual Finance Department, built around your transaction volume, not a billable hour.
Smart Bookkeeping & Sales Tax
Monthly bank/credit card reconciliation in QuickBooks Online or Xero, Dext/Hubdoc receipt capture, and GST/HST/PST filing by province.
Payroll Management
Payworks/Wagepoint-run payroll, CRA source-deduction remittances, and year-end T4/T4A prep, priced to scale with headcount.
Fractional CFO & Cash Flow
13-week rolling forecasts, KPI dashboards, inventory optimization and a monthly strategy call, executive insight without an executive salary.
Corporate Tax (T2 Framework)
Federal and provincial corporate returns, flat-fee, priced on how clean your books already are.
Personal Tax (T1 Returns)
Employment, self-employment, rental and investment income T1 filings, coordinated with your corporate return so salary-versus-dividend decisions actually make sense on both sides.
Free & Interactive
Ten calculators, built from our own client work.
Corporate Tax
Salary vs. Dividend Optimizer
Cash Flow
Startup Runway Simulator
Payroll
True Cost of an Employee
Corporate Finance
WACC Calculator
Plus DCF valuation, CAPM, lease-vs-buy, debt restructuring, incorporation modeling and a CRA penalty meter. See all ten →
Inside The Monthly Package
The GSH Intelligence Dashboard
This is the actual model format behind every Fractional CFO engagement, rebuilt monthly on your live ledger, and walked through line by line on your strategy call.
Sample data shown for illustration. Your dashboard is built from your own reconciled ledger.
Advisory & Compliance
The structure around the numbers.
Virtual Finance Department
Bookkeeping, payroll and CFO strategy bundled into three packages, from solo consultants to multi-province operators.
View bundles →Year-End & Compilation
CSRS 4200-compliant year-end clean-up and trial balance work, with compilation reports facilitated through licensed CPA partners.
Learn more →Audit Protection
A $30-$75/month Audit Shield subscription, or full CRA notice response starting at $2,500.
See coverage →Expanded Services
For businesses ready to go further than bookkeeping.
Contingency-fee
SR&ED Tax Credit Consulting
15-30% of the CRA refund we recover for you, nothing upfront.
Application & success fee
Government Grants & Subsidies
We monitor, qualify and write the funding applications you're missing.
Flat-fee project
Financial App Architecture
POS-to-ledger tech stacks designed, connected and documented.
Why Not A Traditional CPA Firm
A finance team, not a filing cabinet.
Most Canadian small businesses don't need a partner-track CPA reviewing their bank feed, they need someone who reconciles it correctly, files it on time, and can tell them whether they can afford to hire next quarter. That's the work we specialize in.
GSH Financial is a non-CPA accounting and advisory practice. We are not a designated CPA firm and we do not issue audit or review opinions. When a client needs a formal compilation engagement, assurance work, or a signed attest report, we facilitate that final step through our network of independent, licensed Chartered Professional Accountants, so you get lender-ready, compliant statements without paying big-firm rates for the other 11 months of the year.
More on how we work →How An Engagement Starts
From first call to first close, in four steps.
Discovery Call
30 minutes on your entities, provinces, sales channels and current bookkeeping mess, or lack of one.
Tier & Scope Match
We map your transaction volume, accounts and jurisdictions to the right flat-rate tier, in writing, before you sign anything.
Tech Onboarding
We connect QuickBooks/Xero, Dext/Hubdoc, payroll and point-of-sale systems, and clean up the backlog.
Monthly Rhythm
Reconciled books, filed returns, and a standing strategy call, the same finance team, every month.
“A full-time corporate CFO costs $180,000-$250,000 a year in salary alone. We built GSH Financial to deliver the same forecasting discipline for a fraction of that, on a month-to-month retainer, not a five-year hire.”
- GSH Financial, Founding Principles
The Insight Bureau
Field notes for owners who read their own financials.
Ready When You Are
Let's find the tier your business actually belongs in.
No pressure, no hourly clock running during the call. Just a straight read on what your books need.