Clean books, without the spreadsheets
The CPA keeps your ledger. You see your financial position — income, expenses, cash — in plain language. No decoding journal entries.
For business owners
Your financial story, clearly told.
Capital Toolkit gives Canadian business owners professional-grade financial visibility — clean books, reviewed financials, financing support, and a clear picture of what your business is worth. Your CPA runs the engagement; you stay informed without needing to become an accountant.
What Capital Toolkit does for you
Your Accountant's Platform. Your Window Into Your Business.
Most accounting software is built for accountants and tolerates business owners. Capital Toolkit is built for both, the CPA gets professional-grade tooling, and you get a clear, plain-English view of your own financial position.
Financial statements you can read
Once the CPA reviews a period, your income statement, balance sheet, and cash flow statement are in your portal, explained, not just formatted.
Financing, properly prepared
CSBFP applications, conventional term loans, mezzanine debt, structured by your CPA, with the financial package lenders actually require.
A real budget and forecast
Not a spreadsheet exercise. A driver-based financial model built on your actual historical data, reviewed by your CPA, and updated as the business moves.
A defensible valuation when you need one
Estate planning, a sale, a shareholder buyout, a tax reorganization. A CPA-signed valuation report, not a multiple-of-revenue thumb in the wind.
Your data stays with you
If you change accountants, your financial history stays in your account. The new firm is invited in; the old firm's access is revoked. Your data doesn't leave with your CPA.
How you get access
Two Paths. Both Start With You.
Path 1
Your CPA invites you
If your CPA already uses Capital Toolkit, they invite you by name and email. You create an account, verify your identity, and you're in. Your financial data is already there because the CPA has been working in the same platform. This is the most common path for existing accounting relationships.
Tell your accountant about Capital ToolkitPath 2
Sign up directly
If you don't have a CPA yet, or want to get started before one is engaged, you can sign up directly. The platform temporarily connects you to a qualified professional on the platform for the first steps. When you bring in your own CPA, the engagement transfers cleanly, your data, your account, your history.
Start free →What's available
Every Module, Explained in Plain English.
You don't need all of them. Start with the one that fits where you are today.
Applying for a Canada Small Business Financing Program loan. The program covers up to $1.15M for equipment, leasehold improvements, and real property.
Learn moreConventional term loans, asset-based revolvers, equipment financing, mezzanine debt, plus non-debt alternatives like grants, refundable tax credits, RBF, and royalty — for capital needs that go beyond what the CSBFP covers.
Learn moreFull-cycle bookkeeping: your transactions classified, reconciled, and reviewed by a CPA. You see your numbers; your CPA does the accounting work.
Learn moreCompilation, review, or audit-ready financial statements, the formal documents lenders, buyers, and the CRA will ask for.
Learn moreA real financial plan: driver-based budget, three-year forecast, and monthly variance reporting so you can see where the business is tracking.
Learn moreA defensible valuation report when you need one: selling the business, planning your estate, settling a shareholder dispute, or freezing for tax.
Learn moreBuying or selling a business: data room, due-diligence access for the buyer's team, deal audit trail, and a sealed archive when it closes.
Learn morePreparing for a PE sale or recapitalization. Quality-of-earnings documentation, financial diligence readiness, and post-close portfolio monitoring.
Learn moreCap table management, SR&ED tax credit claims, round modelling, and investor reporting, for venture-backed Canadian startups.
Learn moreHow it works in practice
A Typical Owner Journey.
Get on the platform
CPA invites you or you sign up directly. Your business is set up on the platform in the first session. Identity verified, account active.
Your CPA runs your books
Transactions classified, bank reconciled, period reviewed. You see the reviewed financials in your portal as each period closes: income statement, balance sheet, cash flow.
Use the financial history
Applying for financing? The lender package is built from your Books data. Thinking about selling? The valuation is built on the same history. The work compounds.
Own your data forever
If you change CPAs, your history stays. If you sell the business, the account transfers to the buyer. If you decide to do nothing for a year, the data doesn't disappear.
Questions owners ask first.
Understand your business financially.
Start with whichever module fits where you are today: CSBFP application, clean books, or a valuation for the sale you're planning. The platform grows with the business.
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