Run & grow
Understand cash and borrow with confidence.
- Why is the business profitable but short of cash?
- How much can it borrow?
- What will the lender expect?
Fractional CFO Vancouver
Fractional CFO Vancouver
Cash-flow forecasting
Funding readiness
Acquisition diligence
Exit readiness
Tax-aware decisions
What are you trying to do?
Start with the financial decision already in front of you.
HS Strategic CFO helps Vancouver and Canadian owners connect cash flow, financing, acquisitions, exits and tax-aware business decisions.
Buy a business
Know what you are buying before the deal closes.
- How much should I pay?
- Are the earnings real?
- Can the business carry the debt?
Sell or transition
Convert business value into an exit the owner can live with.
- How much is the business worth?
- What will a buyer discount?
- What does the owner actually keep?
Tax and real estate still matter—but they support the owner decision.Explore tax-aware planning questions or real estate analysis when those facts change the cash, financing or exit result.
Forward-looking financial control
See what the business can afford before you commit.
Connect the cash forecast, working capital, debt service, and operating plan in one decision-ready view.
- Cash inflows, operating costs, and working capital aligned.
- Base, upside, and downside scenarios clearly tested.
- Financing needs and lender questions anticipated early.
Illustrative CFO view
Business finance overview
Updated
Cash forecastUpdated13-week view maintained
Borrowing capacityTestedDebt service modelled
Management reportingReadyDecisions highlighted
Plan visibilityCurrent view
Revenue forecast92%
Cost assumptions78%
Growth commitments46%
Financing readinessStatus
Historical resultsReconciled
Forecast modelStress-tested
Lender packageIn progress
Next milestone
90-day cash plan and financing package
Focused support
Fractional CFO support around the decisions that matter.
Build the financial clarity to finance, grow, buy or exit with confidence.
Fractional CFO Vancouver
Cash-flow forecasting, KPI reporting, scenario planning, and senior financial guidance for owner-led businesses.
Explore Fractional CFO Vancouver servicesFinancing Readiness
Lender-ready forecasts, borrowing capacity, debt service, and a financing package that answers the next question.
See what lenders needBuy a Business
Financial diligence, quality of earnings, working capital, transaction models, financing and the post-close cash plan.
Explore acquisition decisionsExit Readiness & Owner Tax
Normalized earnings, buyer-ready reporting, value conversion, succession questions and tax-aware scenario modelling.
Prepare for a business exitDecision resources
Start with the financial question already on your desk.
Practical guidance for financing readiness, business acquisitions, and long-term value.
Improve cash flow before applying for financing
Strengthen the forecast, working capital, and lender narrative before the application begins.
Read the financing readiness guideBuild lender-ready financials
Understand the assumptions, cash flow, debt service, and downside cases a useful lender model should show.
Review the lender-ready modelCompare fractional CFO pricing and packages
Compare project, monthly, and part-time CFO pricing packages in Vancouver and Canada by deliverables, cadence, complexity, and responsibility.
Read the fractional CFO pricing guideFinancial due diligence before buying
Test earnings quality, working capital, debt capacity, and the cash the business can actually produce.
Read the buyer due diligence guidePrepare the business for exit
Normalize EBITDA, improve financial presentation, and surface issues before a buyer does.
Explore exit readinessFind financial and tax leakage
Review owner compensation, retained cash, passive assets, structure and succession assumptions together.
Use the owner tax leakage checkRelated planning platform
Need a full business plan, financial model and pitch deck?
NarrativePlan builds one connected business case around the company and the purpose of the plan—rather than forcing every business through a generic template.
Books by Calvin Zhou
Books that connect the decisions before and after the transaction.
Explore business exit planning and the complete three-book Canadian Real Estate Tax Decision Series—from the property lifecycle to ownership structures and tax-triggering events.
Specialist capability
Real estate and development finance remain available when the decision requires them.
They are no longer the homepage lead. They sit behind the core CFO, financing, acquisition and exit work as focused specialist capabilities.
Commercial real estate analysis
NOI quality, debt service, after-tax cash flow, downside scenarios and investment decision support.
Explore real estate decisionsDevelopment finance
Pro formas, construction cash flow, sources and uses, funding applications, lender draws and project reporting.
Explore development financeThe next decision
Bring clarity to the move you are considering.
Start with the financing, growth, acquisition or exit decision that now depends on better numbers.
Tell us the decision, timing, and financial question.
We will identify the forecast, model, reporting, or transaction work needed to move forward.
Discuss Your Priorities
Where we step in
Common fractional CFO questions.
What does a fractional CFO do for an owner-led business?
A fractional CFO turns accounting information into forward-looking cash-flow forecasts, management reporting, financing plans, and decision support so the owner can see what the business can afford and what needs attention next.
Can a fractional CFO help prepare for business financing?
Yes. We connect historical results, operating assumptions, working capital, debt service, and downside cases in a lender-ready forecast and financing package.
What makes HS different from a generalist fractional CFO?
HS connects recurring CFO work with transaction decisions: cash-flow forecasting, financing readiness, acquisition diligence, exit preparation and tax-aware owner modelling. Specialist real estate and development finance is available when those facts are material.