Minesh Bhagat
Google · Surrey office
Summary: A helpful, knowledgeable team that supports a growing business, in Surrey and Edmonton.
Fractional CFO · owner-managed businesses from about $1 million in sales
Profitable on paper. Tight at the bank. Nobody can tell you why.
Finvo's Fractional CFO service is for owner-managed businesses in BC and Alberta. A fractional CFO sits down with you every month, shows you the week your cash dips before it happens, and puts numbers behind the next hire, lease or loan. Your bookkeeping and filings are included.
On the call we tell you which role you actually need, even if it isn't us. From $499 a month virtual or $899 in person, confirmed before any work starts. Month to month, 30 days' notice.
5.0 on Google · 92 reviewsSurrey, Edmonton and CourtenaySame senior manager every monthNot a CPA firm
What lands in your inbox around 17 October · sample
Cash in 13 weeks$84,200Lowest point week 6
Gross margin31.4%+2.1 pts vs Sept
Receivables over 60 days$22,9003 invoices, follow-up set
13-week cash position $ thousands
CFO note: week 6 dips when the truck lease and the WCB premium land together. Moving the equipment payment to week 8 lifts the low point by $9,000.
Sample business, not client data.
5.0on Google, from 92 reviews
1,000+clients our team has served since 2010
60+years of our team's combined experience
3offices: Surrey, Edmonton and Courtenay
Why trust us
Before you hand us your numbers, see who reads them.
What clients of our three offices say on Google, and the people who would sit at your table every month.
What clients say on Google
Summaries of reviews that mention advice, planning, growing a business and how quickly we answer, three at a time, office by office.
Mr. randhawa_01
Google · Surrey office
Summary: Dinesh makes personal and corporate tax easy to understand, with honest guidance.
Pawan Khurma
Google · Surrey office
Summary: Dinesh knows the tax rules well and gives useful guidance on tax planning and budgeting.
Who sits at your table
The same people every month, so nobody starts from zero.
A senior manager who knows your file
The same person every month. They read your report pack before the meeting and go through it with you.
The bookkeeping team behind them
Reconciliations, GST/HST and payroll, and we aim to close your books within two weeks of month end, once all your information is in.
Xero Certified Advisor and QuickBooks ProAdvisor
Certified on the software many owners already use, and authorized to represent clients with CRA.
The cost of guessing
Three decisions every owner makes. Most make them without numbers.
Each one feels fine the day you make it. The bank balance tells you three months later whether it was.
The hire
Without
"We're busy, let's bring someone on." The salary starts next month. Whether the work pays for it shows up at year end.
With a CFO
The forecast shows the month the hire's cost is covered, and the margin you need to hold until then. You hire with a date, not a hope.
The lease or the loan
Without
The bank asks for a forecast. Someone builds one in a weekend. The payment lands in the same week as payroll, every month.
With a CFO
The lender package is ready, we sit in on the bank call, and the payment date is chosen to miss the low week.
The slow month
Without
You find out when a supplier calls. You move money from your own account to cover it. Again.
With a CFO
The 13-week cash flow marked the dip six weeks ago. Receivables were chased, a payment moved, and you knew the number before it arrived.
Is this you?
Tick what sounds familiar.
Owners who tick two or more are the ones who get the most from a fractional CFO. Tick fewer and we will probably point you at bookkeeping first.
Tick a few and see.
Nothing is sent anywhere. This is only to help you decide whether the call is worth 15 minutes.
Book a free 15-minute callNothing you tick is sent or stored. It only changes the text in this box.
Your first 90 days
What actually happens after the call.
No invented success stories. This is the same path every CFO client walks, and the dates are the ones in our sample month.
Week 1
The free call
You tell us what's keeping you up. We tell you which role you need and confirm the price. If the books aren't monthly yet, we start there.
Month 1
Books monthly, cash visible
We aim to close your books within two weeks of month end, once all your information is in. Your first 13-week cash flow, with the low week marked.
Month 2
First report pack and meeting
Report with CFO commentary around day 17. Your first monthly meeting around day 21 ends in a short action list.
Month 3
The forecast and the decision
A 12-month forecast built around the decision ahead of you, and the dashboard tuned to the numbers that run your trade.
Two options
What each option includes, every month
Starting prices in Canadian dollars, before GST, confirmed after a free call. Both options include your bookkeeping and filings, so one team does the books and reads them with you.
NewFractional CFO is offered by fit: on the free call we say if it suits your business, or if bookkeeping is the better first step.Book a free 15-minute call
Most clients start here
Virtual
For businesses happy to meet by video, anywhere in BC and Alberta.
From
$499/month
Every month:
- Bookkeeping and filings: reconciliations, GST/HST and payroll. We aim to close your books within two weeks of month end, once all your information is in.
- Report pack with CFO commentary: profit and loss, balance sheet and cash, with notes on what changed, why, and what to do.
- KPI dashboard: six to eight numbers chosen for your business, against your own targets.
- 13-week cash flow, refreshed every month, with the low point marked.
- Budget versus actual: where the month landed against the plan.
- One monthly meeting by video, ending in a short action list, and a call between meetings when needed.
Through the year:
- 12-month forecast, updated every quarter.
- Lender package when you need one: forecast, history and a cover note for your bank or lessor.
- Year-end planning with the tax team: salary or dividends, instalments, timing of purchases.
At your table
In person
For businesses that want us at the table, looking at how the business runs.
From
$899/month
Everything in Virtual, plus:
- One visit a month at your business or at our office in Surrey, Edmonton or Courtenay.
- The monthly meeting in person, with the same report pack and action list.
- Walk-through of operations and paperwork: what we see on site goes into the commentary.
Also in this option, as in Virtual: bookkeeping and filings, the report pack with CFO commentary, the KPI dashboard, the 13-week cash flow, budget versus actual, the 12-month forecast, the lender package when you need one, and year-end planning with the tax team.
Need more than that?
Corporate and personal tax returns, payroll for a larger team, weekly or fortnightly meetings, more visits or several locations: we price a custom package on the call.
What changes the price: monthly transactions, employees, bank and card accounts, locations, type of business, and how many meetings and visits you want.
Month to month
30 days' notice. No long contract.
Straight answer on the call
If you need a bookkeeper or a controller instead, or your work needs a CPA firm, we say so.
Same person every month
A senior manager who knows your file, with the bookkeeping team behind them.
Who it's for
Who this is for, and who it isn't
Owner-managed businesses from about $1 million in sales, or any business juggling too many moving parts: hundreds of transactions, a growing team, decisions that need numbers, forecasts and plans nobody has time to build. A bookkeeper and a year-end accountant are in place, but nobody is looking forward.
A good fit
- An owner-managed business with monthly books, from about $1 million in sales
- A decision ahead: a hire, a location, a loan, a sale
- You can give it three to five hours a month
Not the right first step
- Books that aren't monthly yet, or are months behind: start with bookkeeping or the business full suite
- You need an audit, a review engagement or a compilation engagement report: those need a CPA firm, and we can point you to one
- You want someone in your office every day: that's a full-time hire
Accounting vs CFO
Traditional accounting vs a fractional CFO
Traditional accounting records and reports what already happened: books, GST/HST, payroll, year-end and tax. A fractional CFO uses those numbers to decide what happens next. Most owners already have the first. The gap is the second: nobody reads the numbers with you before the decision, so the hire, the lease or the slow month shows up in the bank balance first.
The question it answers
Traditional accounting"What did we make?"
Fractional CFO"What should we do next, and can we afford it?"
When you hear from them
Traditional accountingAfter month end or year end, once the numbers are final.
Fractional CFOBefore the decision, with the numbers in front of you.
What arrives
Traditional accountingReconciled books, GST/HST and payroll filings, financial statements, the tax return.
Fractional CFOA report pack with commentary, a KPI dashboard, the 13-week cash flow, a 12-month forecast, and a meeting to go through them.
Who is in the room
Traditional accountingA bookkeeper through the year; a tax preparer at year end.
Fractional CFOA senior manager who knows your file, the same person every month, with the bookkeeping team behind them.
How often you talk
Traditional accountingAt year end, at filing time, and when something has gone wrong.
Fractional CFOEvery month, in a meeting that ends in an action list, plus a call between meetings when something comes up.
Cash
Traditional accountingTells you the balance today, and what it was at year end.
Fractional CFOTells you the balance in 13 weeks, which week it dips, and what to move so it doesn't.
What changes in your week
Traditional accountingNot much. The filings are in and the statements go in a drawer.
Fractional CFOYou see the low point before it lands, the decision ahead has numbers behind it, and it costs you three to five hours a month, not your evenings.
How it's priced
Traditional accountingPer return or per filing, or a monthly bookkeeping fee: the business full suite is from $99 a month.
Fractional CFOOne monthly fee that includes the bookkeeping and the filings: from $499 virtual or $899 in person, confirmed after a free call.
What you can expect from us each month
We aim to close your books within two weeks of month end, once all your information is in. The report pack with your CFO's commentary around day 17: profit and loss, balance sheet and cash, the KPI dashboard and budget versus actual, with notes on what moved, why, and what to do about it. The 13-week cash flow refreshed, with the low point marked. The monthly meeting around day 21, ending in a short action list. Every quarter, the 12-month forecast updated. Through the year, the lender package when you need one and year-end planning with the tax team. Weekends, holidays and late records move the dates.
This is in addition to your bookkeeping, not instead of it. Monthly bookkeeping and payroll/GST filings are included; T1/T2 preparation is separately quoted. The CFO work sits on top of them, from the same team.
Book a free 15-minute callMonth to month, 30 days' notice · 5.0 on Google · 92 reviews
How the month runs
A sample month with your CFO
The same rhythm every month, so you always know what arrives when.
Days 1 to 14
Books close
Bank feeds, bills, payroll and GST/HST, then the month is locked. We aim to close your books within two weeks of month end, once all your information is in.
Day 17
Report pack sent
Profit and loss, balance sheet, cash, the KPI dashboard and budget versus actual, with your CFO's commentary on top.
Day 21
Monthly meeting
The 13-week cash flow refreshed, the decisions ahead, and a short action list you leave with.
Rest of the month
Follow-up
Questions by email, a call when something comes up, and the lender package when you need one.
Every quarter
Re-base
The 12-month forecast updated, KPI targets reviewed, and year-end planning with the tax team before the year closes.
Sample calendar for a client whose records arrive on time. Weekends, holidays and late records move the dates.
What you get
Six things in every month's pack
Bookkeeping is the starting point, not the service.
13-week cash flow
Week by week, with tax, payroll and the big bills placed before they land, the low point marked and a plan to clear it.
Report pack with commentary
Profit and loss, balance sheet and cash, in plain words: what moved, why, and what to do about it.
KPI dashboard
Six to eight numbers chosen for your industry: prime cost, job margin, days to get paid, cash on hand.
Budget versus actual
Where the month landed against the plan, line by line, and what to change for next month.
Monthly meeting
With the senior manager who wrote the commentary, by video or in person, ending in a short list of decisions.
Lender package when needed
Forecast, history and a cover note your bank or lessor can work with, and answers to their questions.
Plus a 12-month forecast updated every quarter, pricing and margin analysis before a decision, year-end planning with the tax team, and introductions to lenders and advisors when you need them.
Compare
Bookkeeper, controller, fractional CFO, or a full-time hire
What each role does, what lands on your desk, how much of your month it takes, and what it costs.
| What they do | Bookkeeper | Controller | Fractional CFO | Full-time CFO |
|---|---|---|---|---|
| Records transactions, reconciles, runs payroll | Yes | Oversees | Included, with our bookkeepers | Oversees |
| Closes the month and prepares management reports | Basic | Yes | Yes, with commentary | Yes |
| Looks backward or forward | Backward: records what happened | Mostly backward: checks and reports it | Forward: plans what happens next | Forward, full time |
| What arrives each month | Reconciled books | A management report | Report pack with commentary, dashboard, cash flow, a meeting | Whatever you ask for |
| 13-week cash flow, 12-month forecast, scenarios | Not normally included in basic bookkeeping | Sometimes | Yes | Yes |
| Cash: what they tell you | The balance today | The balance, reconciled and explained | The balance in 13 weeks, and the week it dips | The same, in house |
| Pricing, margins and the decisions with you | Not normally included in basic bookkeeping | Varies by controller's remit | Yes, a few hours a month | Yes, full time |
| Financing and bank conversations | Not normally included in basic bookkeeping | Prepares the statements | Lender package, and we answer the bank's questions with you | Leads them |
| Time with you each month | Questions by email | In the office, for the numbers | A monthly meeting; between-meeting calls about agreed CFO matters, arranged as needed (we cannot always be available at short notice) | Every day |
| When a business typically needs this | From the first sale | When the books outgrow one bookkeeper | From about $1 million in sales, or any business juggling too many moving parts | When the work fills every week |
| What they do not do | Forecasts and decision advice: not normally included in basic bookkeeping | Planning the business with you: varies by controller's remit | Provide audit assurance | Share the cost with other businesses |
| How fast to start | Days | A hiring process, often months | After the fit call and engagement approval, once the records needed for monthly reporting are current; catch-up work is quoted separately | A search that takes months |
| What it costs | In the business full suite, from $99 a month | A salaried hire, usually full time | From $499 a month virtual, $899 in person | $193,035 to $304,725 a year in salary, Fraser Valley, 2027 projection |
The salary range is the Robert Half salary guide for a chief financial officer in the Fraser Valley, BC (2027 projection), listed in the Sources below; benefits and payroll costs come on top. Bookkeeper and controller columns describe typical roles, not a quote.
Book a free 15-minute callOn the call we tell you which of these roles you actually need, even if it isn't us.
By industry
The numbers that matter in your trade
The dashboard and the commentary are built around the numbers that run your kind of business.
RestaurantsPrime cost weekly, profit by location
Trades and constructionJob costing, work in progress, equipment financing, bonding packages
TruckingFleet financing, fuel surcharges, owner-operator status
ClinicsAssociate pay models, equipment leases
FarmsSeasonal cash, AgriStability, succession
E-commerceUSD and CAD, the inventory cash cycle, sales tax exposure
Questions
Before you book
What is a fractional CFO?
A chief financial officer you share with other businesses. You get the analysis, planning and advice of a CFO for a monthly fee, without a full-time hire. At Finvo the bookkeeping, the filings and the CFO work come from one team.
Are you a CPA firm?
Finvo is not a CPA firm. We handle bookkeeping, payroll, tax filing, incorporation and fractional CFO work. Audits, review engagements and compilation engagement reports need a CPA firm, and we can point you to one.
Do I still need my bookkeeper?
Yes, or ours. The bookkeeper records what happened; the CFO reads it with you and plans what comes next. Every Fractional CFO option includes monthly bookkeeping, GST/HST and payroll filings, so most clients move their books to us. If you want to keep your bookkeeper, say so on the call and we look at a custom package.
How many hours a month will it take me?
Plan on three to five hours a month: sending what we ask for, reading the report pack, and the monthly meeting. We do the rest.
Is there a contract?
Month to month, with 30 days' notice. There is no long-term contract. We confirm your price after the free call, before any work starts.
Who will I talk to?
A senior manager who knows your file, the same person each month. You meet them on the free 15-minute call, and they lead your monthly meeting.
Can you help me get a loan?
We prepare the lender package: the 13-week cash flow, the 12-month forecast, your history and a cover note, and we can answer the bank's questions with you. The lender makes the decision; we don't promise an approval.
Virtual or in person?
Both. The virtual option works anywhere in British Columbia and Alberta, by video. The in-person option adds one visit a month at your business or at our office in Surrey, Edmonton or Courtenay. From $499 a month virtual and $899 a month in person.
What does the from price depend on?
Your monthly transactions, employees, bank and card accounts, locations, type of business, and how many meetings and visits you want. We confirm the price after the free call.
Sources, checked 29 Oct 2026. This page describes our CFO service. The salary comparison and the filings it names follow these sources. Rules have exceptions and can change. This page is general information, not legal or tax advice for your situation.
- Robert Half, Salary guide: Chief Financial Officer, Fraser Valley, BC (2027 projection): $193,035 to $304,725. roberthalf.com (opens in a new tab)
- CRA, Employers' Guide, Payroll Deductions and Remittances (T4001), canada.ca: deduct income tax, CPP and EI, add the employer share of CPP and EI, remit to CRA, and issue T4 slips.
- CRA, Tax deadlines for businesses and self-employed individuals, canada.ca: corporations file the T2 within six months of year-end; self-employed returns are filed by 15 June and paid by 30 April.
- CRA, Required tax instalments for individuals, canada.ca: instalments when net tax owing is over $3,000 this year and in either of the two years before.
- Government of BC, Provincial sales tax (last updated 21 Sep 2026), gov.bc.ca: 7% general rate; the planned PST on accounting and other professional services is paused. Alberta has no PST.
- Excise Tax Act, s. 169 (laws-lois.justice.gc.ca): input tax credits for registrants on GST/HST paid on business purchases.
Offered by fit
Book a free 15-minute call
By video or phone. Bring a question about cash, a loan or a decision you have ahead.
Which office?
Book a free 15-minute call15-minute calls every weekday at 10 am and 2 pm Pacific (11 am and 3 pm Mountain), except holidays.
Typical next slots, confirmed when you book:
Free 15-minute callVideo or phoneIn person in Surrey, Edmonton and Courtenay
Call (236) 300-3322Email contact@finvo.caMon–Fri, 9 am – 5 pm PT/MT5.0 on Google · 92 reviews