Lender
Can this business repay?
- Cash flow that covers the repayments, with room to spare
- A track record backed by clean financial statements
- What the owners have put in, and what secures the loan
Strategic Advisory
Business Planning and Growth Strategy You Can Actually Execute
A good plan is more than a document for the bank. Lira Tax & Accounting builds investor-grade business plans that turn your vision into working financial strategy: operating models, scenario planning, funding strategy and the reporting that keeps it on track. Plans built to be used every month, not filed away. We help businesses across Canada.
- Financial models with base, upside and downside cases
- Funding strategy and investor or lender materials
- Operating plans and reporting leaders can act on
- 2,300+individuals & businesses served
- Goal-firstevery plan is scoped to its purpose
- 4offices in Ontario & Alberta
A working roadmap, not a document that gets filed away
We develop rigorous, investor-grade business plans that translate vision into actionable financial strategy. Our planning work combines operational modeling, capital strategy and governance design to support sustainable growth.
A strong plan brings together historical financial performance, realistic projections and a clear-eyed view of the market to support decisions about funding, expansion or restructuring. Whether the goal is attracting investors, securing a loan or setting a roadmap for the next few years, it has to hold up under scrutiny and be something leadership can actually execute against.
Ideal forFounders raising capital, established businesses planning expansion, and leadership teams needing a working financial roadmap for growth, turnaround or restructuring.
- Who plans with us
- Founders raising capital
- Owners planning expansion
- Businesses applying for a loan
- Companies in a turnaround
- Leadership teams setting a roadmap
- Businesses restructuring
Who reads your plan, and what they look for
The same plan has to answer different readers. Each one asks a different question first.
Investor
Is this worth backing?
- A market and a growth path that justify the risk
- A clear use of funds and what they will achieve
- A team and a model that can deliver the projections
Leadership
What do we do this year?
- Priorities with owners and dates
- A budget the monthly results can be compared against
- Measures that show trouble early
Board & partners
Is the business well run?
- Reporting that arrives on time and can be trusted
- Risks named, with a plan for each
- Governance that still works as the business grows
Plan for the range, not a single number
A plan with one forecast breaks the first time reality differs. Three cases keep decisions sound:
Upside case
What if it goes better?- Can we fund faster growth?
- Where do we hit capacity limits?
Base case
What we expect- Are we on track for the goal?
- What do we need to fund, and when?
Downside case
What if it goes worse?- Can we still cover payroll and repayments?
- Which costs can move, and how fast?
Funding routes a plan supports
The plan shows which route fits, and gives each reader the numbers they need.
Borrow
Bank loans and government-backed financing. The Canada Small Business Financing Program backs loans up to $1.15 million for businesses with $10 million or less in annual revenue.
$1.15Mprogram maximum per borrower
Raise equity
Investors take a share of the business in return for capital. A plan shows the use of funds and the return they can expect.
Use public programs
Programs such as the SR&ED tax credit reward qualifying research and development: most Canadian-controlled private corporations earn a 35% enhanced credit on up to $6 million of spending a year.
35%enhanced SR&ED credit rate
Program figures checked against canada.ca in September 2026. Whether a program fits depends on your facts, and other programs may suit you better.
How a planning engagement runs
Five steps from a goal to a plan you can use.
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1
Goal and scope
We agree what the plan is for and who will read it.
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2
Your numbers
We gather your history and check it is sound.
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3
Model and scenarios
We build the projections and test the cases.
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4
Plan and materials
We write the plan and any investor or lender materials.
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5
Handover and review
We walk you through it and set how to track progress.
Five planning mistakes, and what a stronger plan does
| The mistake | A stronger plan |
|---|---|
| A single hopeful forecast | Base, upside and downside cases, so decisions hold when reality differs |
| Growth numbers with no stated assumptions | Every projection traced to an assumption you can defend to a lender |
| Profit without cash timing | Cash flow modelled month by month, since profitable businesses can still run short |
| A plan written once and shelved | A working roadmap you review against real results |
| One plan for every audience | A plan scoped to the goal: raising, borrowing, expanding or turning around |
How much does business planning cost?
Every plan is different, so we quote each one individually instead of publishing a one-size-fits-all price. You will know exactly what you are paying before we start.
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The goalRaising, borrowing, expanding or turning around.
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What is includedA focused operating plan, or the full package.
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ComplexityLocations, products, entities and revenue streams.
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Your recordsClean history to build on, or a clean-up first.
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AudienceInternal use, or an investor or lender reading it.
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TimingAn open timeline, or a funding deadline.
- Free, no-obligation consultation
- Clear quote agreed before we start
- No hidden fees or surprise billing
Prefer to talk it through first? Call us, or send a quote request.
Call (437) 421-7171 Request a QuoteBusiness planning across Canada
Get directionsMeet us in person at any of our four offices, or work with us by phone and video. We plan with businesses across Ontario, Alberta and the rest of Canada.
Outside Ontario or Alberta? We can still help.
Ask about your province
We work with businesses in other provinces and territories across Canada too, by phone and video. Funding programs and rules differ by province, and we will confirm the ones that apply to you in your free consultation.
What our business clients say
View other testimonials★★★★★
“I have been to number of accountants for my multiple business ventures, however i found Mr. Razu from Lira Tax and Accounting to be one of the better ones. He is very informative and easily accessible. He is always answering calls and helping small business owners to do their taxes properly. I highly recommend.”
★★★★★
“Wow, what a wonderful services. Excellent corporate tax & accounting services in Toronto, great place for your tax & accounting task. Highly recommend others. Thank you very much for your support. Lira tax & accounting provide very supportive services for corporate needs.”
★★★★★
“I had a great experience with Lira Tax & Accounting. The team is professional, knowledgeable, and really goes the extra mile to make things simple and stress-free. They explained everything clearly and took the time to answer all of my questions with patience.
What stood out to me most was their attention to detail and how committed they were to making sure my tax filing was accurate and worked in my favor. I felt confident knowing everything was being handled properly. Their service is reliable, efficient, and the team is also very approachable.
Whether you need help with personal taxes or business accounting, I'd highly recommend Lira Tax & Accounting. They're trustworthy, responsive, and provide excellent value. I'll definitely continue working with them in the future. Thank you for your support. We are happy to give you Five star again 2026 for you excellent services.”
Business planning FAQs: scope, scenarios, funding and cost
Straight answers to the questions business owners ask us most.
It depends on the goal, but commonly includes financial modeling and scenario planning, a strategic operating plan, margin and profitability analysis and, where relevant, materials for investors or lenders.
No. Business planning is also commonly used for expansion planning, turnaround and recovery situations, and setting up internal governance and reporting frameworks, not just fundraising.
Accounting and bookkeeping keep the historical numbers accurate. Business planning is forward-looking: it uses those numbers and projections to map out funding, growth or restructuring decisions.
A plan is a defined project that leaves you with a document and a model to work from. A fractional CFO is ongoing financial leadership that keeps the plan alive month after month. Many businesses start with a plan and then add CFO support.
Three versions of the projections. The base case is what you expect, the upside case tests a better outcome such as faster growth, and the downside case tests a worse one such as lower sales, so you can see what you would need to fund or cut in each.
Most lenders and investors ask for financial projections, and many want a plan behind them. What they need varies, and a start-up is usually asked for a first-year cash flow projection. We scope the plan around the reader.
Your recent financial statements or books, any budgets or forecasts you already have, your goal and the assumptions you are relying on. If some of that does not exist yet, that is a good place for us to begin.
Yes. Turnaround and recovery plans are part of the service: we look at cash, margins and costs to build a realistic path back to profit.
Yes. We prepare the presentation and supporting numbers for investors or lenders, and help you prepare for the questions they are likely to ask.
It varies significantly with the scope and complexity of the plan, from a focused operating plan to a full investor-grade package with financial modeling. We agree the timeline with you at the start.
It depends on the goal, what the plan includes, how complex the business is and who will read it. We quote every plan individually. Book a free consultation and you will have a clear quote before we start.
Related services for your business
View other servicesFractional CFO Services
Keep the plan alive with ongoing finance leadership.
Learn moreAccounting & Bookkeeping
Reliable books are the base every plan builds on.
Learn moreCorporate Tax Returns
Fold tax planning into the growth plan.
Learn moreOntario Incorporation
Set up the right structure before you raise.
Learn moreBusiness Consulting
Outside perspective on operations and strategy.
Learn moreCanadian Payroll Services
Plan and run the payroll that growth adds.
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Read the guideLet’s build your growth plan
Book a free consultation. We will discuss your goals and scope out a plan tailored to your business — no obligation.
