#Decision Making

Across Ontario, thousands of privately owned businesses quietly support the economy. Family-run manufacturers in Southwestern Ontario. Construction and trades companies across the GTA. Distribution firms, professional services, logistics providers, and technology companies are steadily growing year after year. Many of these organizations develop from entrepreneurial roots. In the initial stages, […]

As businesses expand, decision-making becomes more complex. Early on, many owners rely on instincts and closely monitor their bank balances. This approach can work initially, but once a company reaches several million in revenue, the stakes increase. Hiring decisions become more significant. Cash flow predictions become less reliable. Growth puts […]

For many private business owners, the numbers are there: revenue is strong, operations are humming, and the books are getting closed each month. But somewhere between the reporting package and the leadership table, the insight gets lost. Cash is tight when it shouldn’t be, decisions feel reactive, and questions from […]

Many businesses, especially in manufacturing and B2B services, find themselves deeply reliant on one major client. These “anchor” relationships can be a powerful force for stability and growth; but they can also quietly introduce serious financial risk. When one buyer accounts for a significant share of revenue, operations, or margin, […]

Looking Beyond Direct Costs For product-based businesses, profitability often starts with a simple equation: revenue minus cost of goods sold. But this narrow view can create blind spots, especially as a business grows and overhead expenses start to weigh heavily on margins. At Part Time CFO Services, we regularly work […]

As we move through 2025, Executive Directors in the not-for-profit sector are managing in an environment that’s both mission-driven and metrics-focused. Pressures are intensifying, driven by evolving funding models and more rigorous stakeholder expectations, as well as ongoing operational challenges. Organizations with budgets between $3 million and $15 million are […]

Profitability is often viewed through a simple lens, revenue minus expenses. But beneath the surface, many organizations face hidden cost pressures that slowly erode their margins. Standard financial reports don’t always capture these, but they result in performance slippage, missed targets, or inexplicable budget overruns. In this article, we’ll highlight […]

“Strategic growth isn’t just about chasing sales—it’s about choosing your customers wisely. That’s how you build resilience.” – Key insight inspired by Zach Spencer, Coface North America In this webinar, guests Zach Spencer and Todd Pickett from Coface dive deep into the current landscape of supply chain and accounts receivable […]

Many managers make decisions based on instinct, experience, or operational data—but too often, they lack access to timely, relevant financial insights that could sharpen their decision-making. While financial reporting is a core function of any accounting department, translating those numbers into meaningful business intelligence is where many organizations fall short. […]

For private businesses and not-for-profits, strong financial leadership is essential to long-term success. But hiring a full-time CFO or Controller isn’t always feasible—especially for organizations that need strategic financial oversight without the cost of an in-house executive. That’s where fractional finance leadership comes in. However, not all fractional CFOs and […]

Times of uncertainty and rapid change are not anomalies—they are part of an ever-shifting business environment. U.S. policy directions can pivot abruptly, with shifts in taxes, regulations, and trade agreements dramatically impacting both short-term operational decisions and long-term strategic plans. Our firm, which provides fractional CFO and accounting services, has […]

Recent discussions around tariffs and the potential for a full-blown trade war between Canada and the United States have become major concerns for businesses operating in Ontario. Though new regulations and threats of retaliatory measures have occurred before, the current environment of uncertainty—fuelled by shifting political priorities—demands a thoughtful, proactive […]

The holiday season offers leaders a rare opportunity to pause, reflect, and recalibrate. It’s a chance to look beyond day-to-day operations and focus on the broader impact of leadership, strategy, and decisions made throughout the year. With the new year approaching, this is the ideal time to assess where the […]

In today’s financial landscape, Canadian organizations have a variety of payment methods to choose from, each with its own strengths and weaknesses. The key players in this arena are Interac e-Transfers, Electronic Funds Transfers (EFTs), and cheques. While digital options are gaining popularity, many organizations continue to use cheques due […]

In mergers and acquisitions (M&A), signing a Letter of Intent (LOI) is a pivotal milestone. This document sets the stage for the acquisition, outlining the preliminary terms and conditions agreed upon by the buyer and the seller. However, the journey is far from over once the LOI is signed. This […]

As we reach the year’s halfway point, it’s an opportune moment for executive directors of not-for-profit organizations to pause, reflect, and strategize for the months ahead. The mid-year mark offers a critical juncture to assess your financial performance, recalibrate your goals, and implement strategies to maximize your organization’s impact for […]

In today’s competitive business environment, the synergy between the finance department and sales teams is critical for driving growth and achieving company objectives. With its comprehensive understanding of the company’s financial health and access to vast amounts of data, the finance department can play a pivotal role in helping sales […]

In our data-driven business environment, the finance team’s role extends far beyond traditional number-crunching. Our deep understanding of the company’s financial health and our access to comprehensive data uniquely position us to influence strategic decision-making. By fostering a culture of inquiry and continuous improvement, we can help the entire organization […]

In the intricate tapestry of corporate governance, two integral components play pivotal roles in steering an organization toward success: Management Reporting and Board Reporting. While these terms may appear synonymous, a closer examination reveals distinct purposes, audiences, and methodologies. This high-level exploration aims to shed light on the differences between […]

As a private business owner, you may find yourself in the fortunate position of having excess cash. This can be an exciting opportunity to strategically allocate your profits and optimize your business for long-term success. However, it’s important to approach this situation with careful consideration and planning. In this article, […]