Sattva · Truth. Clarity. Balance. The standard we hold your numbers to.
Bookkeeping, payroll and sales tax run in-house on our own platform. CPAs, lawyers and lending partners standing behind it in our network. One team, one number to call, and a live view of where your business actually stands — at any hour you care to look.
Nothing about bookkeeping requires the delay. It's just how the work has always been organised — in batches, after the fact, billed by the hour.
Books close weeks after the month is over. By the time the statements land, you've already spent the money and made the hire. That isn't reporting — it's an autopsy.
One quick question about a GST code sits in a queue behind tax season. You end up guessing, and the guess becomes an adjusting entry someone bills you to fix.
Hourly billing means the busy months cost the most and questions cost extra. So you stop asking questions — exactly when you should be asking more of them.
We built the firm around the opposite of all three.
What that looks like →How the work is divided
The daily discipline — recording, reconciling, remitting, reporting — is done by our own team on our own platform, so it's fast and it's ours to answer for. The licensed work is done by CPAs inside the Sattva network, engaged and coordinated by us. You never have to go shopping for the second half of your finance function.
Your finance department, run as a service.
Licensed work, arranged by us, done by licensed people.
The Sattva network
Most small businesses assemble their financial team one emergency at a time — an accountant in April, a broker when the lease renews, a lawyer when something has already gone wrong. We keep those people in one room, around one set of books, before you need them.
Year-ends, T2s, compilations and assurance — performed by licensed CPAs we engage and manage on your behalf. You brief us once; we brief them.
Sattva was designed by people trained inside global audit practices and three decades of systems architecture. Reconciliation standards, controls and evidence trails built for far larger files — applied to a business your size.
Residential mortgages through a licensed agent on our team. Commercial lending, term loans and equipment finance through vetted partners in our network. Lenders move faster on a file that is already reconciled and current.
Corporate lawyers in our network for incorporation, shareholder agreements, contracts and disputes. Introduced when it's cheap to ask, not when it's expensive to fix.
One relationship. Everything a growing business has to get right.
Talk to the bench →The platform · Journal IQ
Journal IQ is our own engine. It reads the statements, the receipts and the invoices, matches them against your chart of accounts — never an invented one — and drafts the entries. Then a human who knows your file reviews and approves. You get the speed of automation with somebody's name against every line.
Journal IQ reads your bank feeds and receipts as they arrive, not in a pile at month-end. So the books are close to current on any given day, and the monthly close becomes a review rather than a rescue.
Categorization is constrained to your own chart of accounts and your own history. If the engine isn't confident, it doesn't guess — it flags, and a person decides.
Each entry links back to the source document and the person who approved it. Audit trail by construction, not by scramble in April.
One person who knows your business, not a ticket queue. Because Journal IQ handles the volume, your account lead has time to actually answer you — and asking never costs extra.
Software makes it fast.
Judgement makes it right.
Engagements
Sattva sits alongside you and supports the business wherever it needs support: the books, the payroll, the tax, the bank, the year-end. Every engagement includes a named account lead, access to the network, and the dashboard. Questions, calls and fixes are inside the fee — a client who is afraid of the meter is a client who stops asking, and that is when businesses get hurt. Flat monthly or per-transaction, month to month, no lock-in.
$299 / month
Up to 100 transactions · no payroll
$599 / month
Up to 350 transactions · payroll to 5 staff
$999 / month
Up to 900 transactions · payroll to 15 staff
Alternative
For seasonal businesses, holding companies and anyone whose volume swings hard. You pay for what you post — nothing for the quiet months beyond a small platform fee. Same people, same dashboard, same close discipline.
Estimator
No email required. We'll show you both models — and recommend the cheaper one, even when it isn't the one we'd rather sell.
For comparison
| Service | Typical Canadian range | Sattva |
|---|---|---|
| Freelance bookkeeper, hourly | $30 – $90 / hr | Not billed hourly |
| Flat monthly bookkeeping, small business | $450 – $800 / mo | $299 – $999 / mo |
| Full-service package (books + tax + year-end) | $1,200 – $1,500 / mo | $999 + CPA year-end |
| Firm retainer with payroll & multi-entity | $1,500 – $2,500 / mo | Quoted, usually below |
| CPA / accountant, hourly | $150 – $400+ / hr | Network rate, fewer hours needed |
| Year-end clean-up of behind books | $500 – $3,000+ | $65 / hr, capped & quoted first |
| Asking your bookkeeper a question | Often billable | $0. Always. |
Ranges compiled from published 2026 Canadian bookkeeping and accounting pricing guides. Your quote depends on volume, payroll and how tidy the starting point is — which is exactly why we quote after we look, not before.
Getting started
You do about ninety minutes of work in total. We do the rest, and we tell you what we found — including the parts you won't enjoy hearing.
Twenty minutes. What you sell, how money moves, what's broken. If we're not the right firm for you, we'll say so and point you somewhere better.
DAY 0 · 20 MIN
Read-only bank feeds, your existing file, a year of statements. We come back with a written diagnostic: what's clean, what's wrong, what it costs to fix.
DAYS 1–5
Chart of accounts rebuilt, prior periods reconciled, HST positions corrected. One fixed, quoted price — agreed before we touch anything.
DAYS 5–25
Dashboard opens and your account lead is introduced by name. From here the books stay current week to week, so the monthly close is a review — not a rescue.
DAY 30 ONWARD
Questions people actually ask
Yes — in the network, where the licensed work belongs. Sattva's own team runs the bookkeeping, payroll, sales tax and reporting in-house, which is where speed and cost are won. When your file needs a licence — the T2, a compilation for the bank, an assurance engagement — a CPA in our network performs it, engaged and coordinated by your Sattva account lead. You don't manage two relationships. You don't re-explain your business twice. And because we hand them clean books, their hours go down.
We can introduce you to the right lender with the right file. Residential mortgages are handled by a licensed agent on our team; commercial lending, term loans and equipment finance go through vetted partners in our network. What we add that a broker alone cannot is a set of books a credit adjudicator believes on first read — reconciled, current, with a cash-flow forecast attached. A surprising number of declined applications are a paperwork problem long before they are a credit problem.
Journal IQ drafts entries by reading your statements, receipts and invoices — and it can only choose from your own chart of accounts, so it can't invent a category to make a number fit. Every proposal is reviewed and approved by a person on your account before it's posted. Nothing goes into your books on a machine's say-so alone.
Your data is — people are not, and we would rather say so than promise a night shift we do not run. Journal IQ processes your bank feeds and receipts continuously, so the dashboard answers "can I afford this?" at any hour without anyone having to be awake. Humans work business hours. What is different is that the machine has already done the volume, so when you do reach your account lead they are answering a question rather than digging through a backlog.
Then you're a completely normal new client. We quote catch-up separately and in writing before we start — you'll never get an open-ended hourly bill for a mess. It's cheaper than you fear and much cheaper than a CRA review of records that don't exist.
Tell us, or don't — we watch it. If you're consistently under your tier for three months we'll move you down and say so. If you blow past it, we'll quote the next tier before the work happens, never after. No overage invoices appearing without warning.
No. We work in what you already have and layer the Journal IQ dashboard over it. If your setup is genuinely holding you back we'll make the case for a migration, show you the cost, and let you decide. Your data is yours and leaves with you if you go.
Talk to a person
Bring your last bank statement and your worst question — about the books, the bank, the CRA or the deal you're trying to close. You'll leave with an honest read and, if it helps, an introduction to someone on the bench.
Email hello@sattvafinancial.ca Or price it yourself firstSattva
Answers now, a person shortly
