Fractional CFO and Strategic Advisory
Senior financial leadership without a full-time salary. Strategy, planning, and a steady hand on big decisions like expansion or acquisition.
Sound familiar?
Most owners we meet are not short on effort. They are short on clarity.
- 01
Profitable on paper, short on cash.
Sales look good, yet payroll week still feels tight.
- 02
Reports that show up late and say little.
By the time the numbers arrive, the decision has already been made.
- 03
Big calls made on gut feel.
Hiring, pricing, a second location. All without a forecast to lean on.
Services
Senior finance support, sized to your business.
Fractional Controller and Financial Management
Month-end close, financial statements, KPIs, and the controls that keep your numbers accurate and on time.
Financial Planning, Analysis and Modeling
Budgets, forecasts, cash flow models, and 3 to 5 year projections, with scenarios for the moves you are weighing.
Finance Process Improvement
Faster closes, fewer manual steps, cleaner reporting, and help choosing and setting up the right accounting systems.
Bookkeeping and Accounting Support
Accurate books, reconciliations, payables and receivables, GST/HST tracking, and year-end prep with your tax accountant.
Business Planning and Growth Advisory
Business plans, pricing and revenue models, break-even and feasibility work for the next stage of growth.
Try it
Bring it into focus.
Press and hold the button. This is what a good finance partner does every month.
Your numbersUnclear
- 7 monthsCash runway
- 41%Best margin: services
- Q3Next hire is affordable
Sample figures, for illustration.
How it works
Three steps to clearer numbers.
Free intro call
30 minutes. Tell me where the business is and where you want it to go.
Financial health review
I look under the hood: books, reporting, cash flow, and margins, and show you what I find.
Ongoing support, your way
A monthly partnership or a single focused project. You choose the scope.
Kaniz UrmiCPA, Founder
About
Senior experience, hands-on help.
I'm Kaniz Urmi, CPA. For more than 15 years I have led finance teams and built the reporting, forecasts, and processes that growing companies run on. I started Kaniz U. Finance Consulting to give owners that same level of support, without the cost of a full-time CFO. I work alongside you, roll up my sleeves, and explain every number in plain language.
15+years in finance leadership
CPAChartered Professional Accountant
Torontobased, with clients anywhere
- Retail
- Consumer goods
- Beauty and wellness
- Hospitality
- Professional services
Questions
Good questions to ask before you hire.
Can I afford a CFO?
Fractional means you pay for the hours you need, not a full-time salary. Many clients start with a single project, like a cash flow forecast, and grow from there.
Do I need a bookkeeper or a CFO?
A bookkeeper records what happened. A CFO uses those records to plan what happens next. I offer both, and on our first call I will tell you honestly which one you need.
What size of business do you work with?
Small to mid-sized businesses, entrepreneurs, and growing companies, usually ones without a full-time finance leader yet.
Do you only work with Toronto businesses?
No. I am based in Toronto and work with clients anywhere, remotely.
Will you work with my current accountant?
Yes. I coordinate with your bookkeeper and tax accountant so nothing falls through the cracks.
Free consultation
Let's look at your numbers together.
Book a free 30 minute consultation. No pressure, no jargon, just a clear next step.
Prefer email? Write to me directly
Or connect on LinkedIn