— FINANCE AND ACCOUNTING

The financial leadership your business needs. Without the full-time cost.

Senior-level bookkeeping, controller and CFO expertise — fractional, flexible, and built for Canadian small businesses that are serious about growth.

Full-Service Bookkeeping & Payroll
Accurate books, on-time payroll, clean month-ends
Fractional Controller Services
Financial oversight, internal controls, GAAP compliance
Financial Planning & Strategy
Budgets, forecasts, cash flow, KPIs — built for decisions
Fractional CFO Services
Executive leadership for growth, capital events, exit planning

WHAT WE DO

Finance built for growth — not just compliance.

Most growing businesses outgrow their bookkeeping setup before they realize it. Books fall behind, reporting gets manual, cash flow becomes a guessing game, and tax season turns into a fire drill.

Twenty32 gives you a complete finance function — bookkeeping, controller oversight, and CFO-level advisory — coordinated under one team with one clear focus: helping you make better decisions, faster.

SERVICE TIERS

Start where you are. Scale as you grow.

Our finance services build on each other. Begin with the essentials, add controller-level oversight as you grow, layer in CFO strategy when complexity demands it.

Tier 01

Full-Service Bookkeeping & Payroll

For small businesses that need accurate books, reliable payroll, and clean month-ends — without the headache of doing it themselves.

What can be included

  • Monthly bookkeeping and reconciliations
  • Accounts payable and receivable
  • Payroll processing and remittances
  • Sales tax (GST/HST) filings
  • Month-end close and reporting
  • Cloud accounting software setup
  • Year-end preparation for your accountant

What you get out of it

  • Confidence that the books are accurate and current
  • On-time payroll and tax filings
  • Cleaner records for tax season
  • One team owning your financial footprint

Tier 02

Fractional Controller Services

For businesses that need more than bookkeeping — financial oversight, internal controls, and decision-grade reporting.

What can be included

  • Everything in Tier 01
  • Financial oversight and review
  • Internal controls and process design
  • GAAP-compliant financial statements
  • Job costing and project profitability
  • Custom reporting and dashboards
  • Monthly financial review meetings

What you get out of it

  • Controller-level expertise on demand
  • Reliable, decision-ready financial reports
  • Stronger financial discipline and controls
  • Clearer visibility into business performance

Tier 03

Financial Planning & Strategy

For growing businesses that need budgets, forecasts, and KPI tracking to make confident, forward-looking decisions.

What can be included

  • Annual budgeting and forecasting
  • Cash flow modeling and management
  • KPI development and tracking
  • Budget vs. actual variance analysis
  • Scenario planning and what-if modeling
  • Quarterly business reviews
  • Financial dashboards for leadership

What you get out of it

  • A clear financial roadmap
  • Visibility into cash flow and runway
  • Better decisions backed by real numbers
  • The data you need to plan ahead, not react

Tier 04

Fractional CFO Services

For businesses that need senior financial leadership, strategy, and oversight — without the cost of a full-time CFO hire.

What can be included

  • Strategic financial planning
  • Capital strategy and funding support
  • M&A and exit planning advisory
  • Banking and investor relations
  • Board reporting and governance
  • Risk management and oversight
  • Coordination across HR and marketing

What you get out of it

  • Senior expertise without a senior salary
  • A clear financial roadmap aligned to growth
  • Strategic direction for major decisions
  • Confidence that finance is driving the business forward

CORE SERVICES

The capabilities that power every engagement.

Whether you engage us at the bookkeeping level or as a Fractional CFO, these are the services that get the work done.

Full-Service Bookkeeping

Accurate monthly bookkeeping, reconciliations, and reporting that keeps your business clear, compliant, and ready for whatever's next.

  • Monthly bookkeeping and reconciliations
  • Accounts payable and receivable management
  • Sales tax (GST/HST) filings
  • Month-end close and reporting
Learn More
Fractional Controller

Senior-level financial oversight, internal controls, and decision-grade reporting — without committing to a full-time hire.

  • Financial oversight and review
  • Internal controls and process design
  • GAAP-compliant financial statements
  • Job costing and project profitability
Learn More
Financial Planning & Strategy

Forward-looking financial planning with budgets, forecasts, KPI tracking, and the modeling you need to make confident decisions.

  • Annual budgeting and forecasting
  • Cash flow modeling and management
  • KPI development and tracking
  • Scenario planning and what-if analysis
Learn More
Fractional CFO

Senior financial leadership for growth, capital events, and strategic decisions — fractional in commitment, full in expertise.

  • Strategic financial planning
  • Capital strategy and funding support
  • M&A and exit planning advisory
  • Banking and investor relations
Learn More

FRACTIONAL LEADERSHIP

Senior financial leadership — without the senior-level salary.

Most growing businesses need marketing expertise long before they can justify a full-time CMO. Our Fractional CMO service gives you senior-level strategy, leadership, and accountability — engaged at the level that makes sense for your stage of growth.

  • Marketing strategy aligned to revenue goals

  • Leadership for your existing team

  • Continuous evaluation of growth opportunities

  • Quarterly planning and reporting cadence

  • Brand positioning and messaging direction

  • Budget allocation and ROI accountability

Fractional CFO

~⅓

the cost of a full-time hire

Senior CFO expertise on a fractional basis — strategic direction, financial leadership, and oversight without committing to a six-figure salary..

WHY TWENTY32

Why businesses choose us for finance.

Most bookkeeping firms hand you reports. We deliver a coordinated finance function — built around your business, accountable to your growth.

Bookkeeping plus leadership

Most firms do one or the other. We do both — handling the day-to-day work while providing controller and CFO oversight when you need it.

Compliance you can rely on

We stay current with CRA requirements, GAAP standards, and Canadian tax law so you don't have to. Less risk, more confidence.

Local insight, real expertise

Canadian businesses, Canadian tax context, Canadian regulations. Combined with proven finance and accounting experience.

Cost-effective by design

A full finance function for less than the cost of a single senior hire — without sacrificing depth, expertise, or accountability.

Scalable as you grow

Start with bookkeeping, add controller support when needed, scale into CFO strategy when the time is right.

Aligned with your wider business

Financial decisions don't exist in isolation. We coordinate with your HR and marketing functions for sustainable growth.

 FAQs

  • Twenty32 provides end-to-end bookkeeping for small and medium-sized businesses. This includes transaction categorization, reconciliations, payroll support, accounts payable/receivable management, financial reporting, and month-end close processes. We also integrate and manage QuickBooks Online to ensure your books stay accurate, current, and audit-ready.

  • Full-service bookkeeping gives businesses an entire team instead of a single employee. You get multi-person oversight, faster turnaround, standardized workflows, automation, and fewer staffing risks. It’s typically more affordable than hiring internally and provides higher accuracy due to team-based review.

  • We work with a wide range of industries including trades, SaaS, professional services, healthcare, restaurants, and coaches or consultants. Each industry has unique bookkeeping needs, and our team tailors the setup and workflows accordingly.

  • A Fractional Controller provides the financial oversight of a senior accountant without the cost of a full-time hire. This role focuses on accurate financial reporting, improving internal controls, overseeing bookkeeping quality, managing cash flow, setting up financial systems, and supporting audit preparation.

  • Your business may need a Fractional Controller if:

    • your bookkeeping is accurate but not yet strategic

    • you need standardized financial processes

    • you’re preparing for growth, financing, or audits

    • your books are often behind

    • you want better reporting but don’t need a full-time controller

  • A Fractional CFO is a senior financial executive who provides high-level strategy, forecasting, budgeting, and financial leadership. They help business owners make better decisions regarding growth, revenue planning, pricing, cash flow strategy, and long-term financial health.

  • A Fractional Controller focuses on accuracy, reporting, processes, and financial foundation.
    A Fractional CFO focuses on strategy, forecasting, decision-making, and long-term planning.

    Most businesses benefit from a Controller first, then add a CFO once they’re planning for expansion or major growth.

  • Item descrYou may need CFO support if you are:

    • planning for rapid growth

    • making large financial decisions

    • needing deep forecasting or budgeting

    • evaluating new revenue streams

    • preparing for investment or financing

    • struggling with cash flow

    • unsure how to scale profitablyiption

  • Yes. Many clients use all three. Twenty32 can function as your complete outsourced finance team — bookkeeping manages data, the controller oversees financial accuracy, and the CFO provides strategic guidance.

  • We specialize in QuickBooks Online, and we also integrate tools for accounts payable, payroll, reporting, and automation. If you use other systems, our team can review and migrate your data as needed.

  • Our onboarding process includes:

    1. A discovery call

    2. Financial system review

    3. QuickBooks and integrations setup

    4. Cleanup (if needed)

    5. Implementing standardized workflows

    6. Monthly reporting cycle kickoff

    You'll have a dedicated point of contact plus a review team.

  • Pricing depends on transaction volume, complexity, number of accounts, and required level of oversight. We offer fixed monthly packages for bookkeeping and custom pricing for controller and CFO services.

  • Yes, we frequently handle cleanup and catch-up projects. Whether you're months or years behind, our team can restore accurate books and set up systems that prevent falling behind again.

Ready to build the kind of finance your business actually deserves?

Book a free consultation — or request an audit of your current bookkeeping and reporting. We'll show you exactly where the opportunities are.