Bookkeeping · Tax · Fractional CFO — Greater Toronto Area

Numbers you can run a business on, not just file away.

M6 Management pairs disciplined bookkeeping and tax filing with senior fractional CFO judgment — built for small businesses, independent contractors and ecommerce companies across the GTA.

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250+

GTA businesses served

10 days

avg. close turnaround

70+ yrs

combined experience

Monthly Close — June 2026

M6MANAGEMENT.CA

Revenue (MTD)$84,210

COGS$31,940

Operating expenses$18,775

HST remittance set aside$6,310

Cash runway8.4 months

Net margin 38.5%

Who we serve

Built for the way the GTA actually does business

Not every firm understands sole proprietors who invoice in two currencies, or a Shopify store reconciling Stripe, PayPal and marketplace payouts in the same month. We do.

Small Business Owners

Retailers, clinics, trades and professional services across Durham, York, Peel and Toronto who need clean books, on-time HST and a financial picture they actually understand.

Independent Contractors

Consultants, freelancers and incorporated professionals juggling T4A/T2125 filings, quarterly instalments and the gap between gross invoices and what's actually yours to keep.

Ecommerce Companies

Shopify, Amazon FBA and DTC brands needing multi-channel reconciliation, COGS and inventory accuracy, and a CFO who can read a marketplace settlement report.

What M6 Stands For

The six pillars behind every business we serve

M6 Management takes its name from the six foundational forces that drive every successful business. Our advisory work is built around all six — because ignoring any one of them is where businesses run into trouble.

M1

Man

People are the engine of every business. We help you understand payroll, labour costs and the financial impact of every hire you make.

M2

Machine

Technology and capital assets shape your cost structure. We track depreciation, equipment financing and the ROI of every tool your business runs on.

M3

Material

Inventory, supplies and raw inputs determine your margins. We keep your COGS accurate and your material costs visible in every monthly report.

M4

Method

How your business operates — systems, workflows, processes — has a direct cost. We help you see where your methods are profitable and where they're leaking money.

M5

Measure

What gets measured gets managed. Clean books, accurate KPIs and timely financial statements give you the numbers to make decisions with confidence.

M6

Mother Nature

External forces — seasons, markets, regulation, the economy — are beyond your control. We build financial resilience so your business can weather whatever comes.

Certified & Trusted On

QuickBooks Online ProAdvisor Xero Certified Advisor CPA Ontario Affiliated CRA E-Filer Registered

What we do

Three layers of financial support, one accountable team

Start with clean books and accurate filings. Add strategic guidance only when you actually need it — no bundled fluff, no thirty-line service menu.

Bookkeeping

Monthly reconciliation, categorization and reporting that's clean enough to hand to a bank, an investor, or your tax accountant without edits.

QuickBooks Online & Xero
Bank & credit card reconciliation
Monthly financial statements

Tax Preparation

Corporate and personal filings handled with the deadlines treated as a floor, not a target — plus year-round planning so April never surprises you.

T2 corporate & T1 personal returns
HST/GST filing & remittance planning
CRA correspondence handled for you

Fractional CFO

Senior financial judgment on a fraction of a full-time cost — cash flow forecasting, pricing decisions, and the numbers behind your next hire or loan.

13-week cash flow forecasting
Margin & pricing analysis
Lender & investor-ready reporting

Why M6 Management

Senior-level oversight, not a junior bookkeeper learning on your file

Accountant reviewing financial reports on a laptop

Every file gets senior review

Your books aren't handed to whoever's free that week. Every engagement is reviewed by senior staff before it reaches you, so what you see is accurate the first time.

See our process →

Close-up of financial charts and data analysis

Built for how the GTA does business

Multi-currency invoicing, marketplace payouts, HST across provinces — we work inside the realities of Ontario small business and ecommerce, not a generic template.

Who we serve →

How it works

From messy spreadsheet to monthly clarity

Most clients are fully onboarded and seeing their first clean close inside three weeks.

Discovery call

30 minutes to understand your business, current bookkeeping state, and where the gaps actually are.

Cleanup & setup

We reconcile any backlog, set up or migrate your accounting software, and build your reporting structure.

Monthly close

Books closed, reconciled and reported on by the 10th business day — every month, without chasing.

Strategic review

A standing call to walk through the numbers and what they mean for your next decision.

Planning session reviewing financial documents

250+

Businesses across the GTA

$40M+

Annual revenue managed

99.2%

On-time filing rate

4.9/5

Average client rating

Client results

What it sounds like when the books finally make sense

"We went from finding out our numbers two months late to knowing our margin on every SKU within a week of month-end. That changed how we price."

R. PatelEcommerce, Markham

"As a contractor, tax season used to be a scramble. M6 Management set up quarterly instalments so I never get hit with a surprise bill again."

D. OkaforIT Consultant, Toronto

"Their fractional CFO work helped us walk into a bank meeting with a 13-week cash forecast instead of a guess. We got the line of credit."

M. LefebvreRetail, Whitby

Pricing

Transparent monthly packages, no hourly surprises

Pricing scales with transaction volume and complexity, and is benchmarked against current GTA market rates — confirmed on every discovery call.

Foundation

For solo contractors and early-stage businesses.

Starting from

$700–$1,000/mo

Monthly bookkeeping & reconciliation
HST/GST filing
Annual T1/T2 tax return
Email support

Get started

Growth

For established small businesses and ecommerce brands.

Starting from

$1,000–$2,500/mo

Everything in Foundation
Multi-channel reconciliation (Shopify, Stripe, Amazon)
Quarterly financial review call
Cash flow snapshot reporting

Get started

Advisory

For businesses ready for fractional CFO support.

Starting from

$2,500–$5,000/mo

Everything in Growth
Fractional CFO — monthly strategy session
13-week cash flow forecasting
Lender & investor-ready reporting

Get started

Ranges are benchmarked above the GTA market median for each service tier, reflecting senior-level oversight on every engagement. Actual pricing depends on your business and the complexity of your operations, and is confirmed on your discovery call.

FAQ

Questions we get on most discovery calls

Do you work with businesses outside Toronto proper? +

Yes — we serve clients across the full Greater Toronto Area, including Durham, York, Peel and Halton regions, entirely remotely through cloud accounting tools.

My books are a mess. Can you still take me on? +

That's most of our onboarding calls. We start with a cleanup engagement to reconcile any backlog before moving you onto a regular monthly close — usually three weeks or less.

What's the difference between an accountant and a fractional CFO? +

An accountant tells you what happened. A fractional CFO tells you what to do next — pricing decisions, cash flow planning, and the numbers behind hiring or financing. We do both, separately priced so you only pay for what you need.

Do you replace my existing accountant? +

Not necessarily — we can work alongside an existing tax accountant for filings while we handle bookkeeping and CFO work, or take on the full scope ourselves.

What software do you use? +

QuickBooks Online and Xero are our primary platforms, with integrations for Shopify, Stripe, A2X and most major payment processors.

Professional Development

Training & Courses

M6 Management offers professional training in accounting, bookkeeping, payroll and tax — delivered in partnership with FinTech College of Business & Technology. Whether you're upskilling your team or launching a new career in finance, we have a pathway for you.

Accounting & Bookkeeping

Accounting & Bookkeeping Fundamentals

Master the core principles of bookkeeping — debits, credits, ledgers, bank reconciliation, accounts receivable and payable. The essential starting point for any finance career.

18 hrsCertificateFull-time or Part-time

QuickBooks Online

Canada's most in-demand cloud bookkeeping platform. Learn to manage transactions, generate reports, reconcile accounts and work efficiently within QBO from day one.

21 hrsCertificateFull-time or Part-time

Sage Accounting

Gain practical skills in Sage cloud accounting — widely used across Canadian small businesses. Covers setup, journal entries, reporting and payroll integration.

24 hrsCertificateFull-time or Part-time

Xero Cloud Accounting

Build proficiency in Xero, the platform of choice for ecommerce and tech-forward businesses. Learn invoicing, bank feeds, reporting and multi-currency workflows.

24 hrsCertificateFull-time or Part-time

QuickBooks Desktop

Essential for clients still operating on desktop infrastructure. Covers the full workflow from setup through financial reporting in QBD — a critical skill for bookkeepers serving traditional businesses.

30 hrsCertificateFull-time or Part-time

Payroll Administrator

Learn Canadian payroll from the ground up — calculating deductions, CPP, EI, statutory holidays, T4 preparation and CRA remittance. Practical and compliance-focused throughout.

18 hrsCertificateFull-time or Part-time

Sales Tax (GST/HST)

Understand how to collect, report and remit GST/HST correctly under CRA rules. Covers registration thresholds, input tax credits, filing periods and common compliance errors.

24 hrsCertificateFull-time or Part-time

Tax — Canada Tax Starter Pack

Income Tax T1

Learn personal income tax filing for employed individuals, newcomers to Canada, international students and self-employed persons. Covers slips, deductions, credits and CRA submission.