6 Lender Reporting tax and accounting engagements in full — what the client came to us with, what we did, and what it was worth. Each one is specific to lender reporting work, not a general example.
Case Study 1 · Structure rebuilt
Corporate Structure Rebuilt For $60,000 Of Annual Savings — Clinic Group Acquiring a, Moncton
Client: A clinic group acquiring a competitor · Where: Moncton, New Brunswick · Engagement: 5 weeks, fixed fee
Saving per year$60,000
DocumentationComplete
Transfer basisRollover
The situation
The structure at a clinic group acquiring a competitor in Moncton, New Brunswick had been set up years earlier for a business that no longer existed, and an owner making hiring decisions on last quarter’s bank balance had become expensive.
What we did
We rebuilt the reporting around gross margin by service line, which showed two of five offerings were losing money at the current price. The reorganisation used the rollover provisions rather than a taxable transfer, so no tax fell due on the restructuring itself.
The result
$60,000 of annual saving, achieved on a tax-deferred basis. The minute book, elections and valuations are all in the file.
Case Study 2 · Backlog brought current
Collections Halted And $116,000 Cut From A 4-Year Backlog — Subscription Business Tracking Churn, Calgary
Client: A subscription business tracking churn · Where: Calgary, Alberta · Engagement: 9 weeks, fixed fee
Balance reduced by$116,000
Backlog cleared4 years
CollectionsHalted
The situation
By the time a subscription business tracking churn in Calgary, Alberta called, 4 years were outstanding and the CRA had assessed on estimates. Underneath it sat revenue up 40% year over year and a bank balance that kept falling.
What we did
We reconstructed the records year by year and produced a board-ready monthly package — cash, margin, pipeline and covenant headroom — that replaced a spreadsheet nobody trusted. Each filing replaced an arbitrary assessment with a real one.
The result
The account is current. Filing on real numbers rather than CRA estimates reduced the balance by $116,000, and a relief application addressed part of the accumulated interest.
Case Study 3 · Sale and succession
Share Sale Restructured, $520,000 Less Tax On Closing — Professional Practice Adding Partners, Hamilton
Client: A professional practice adding partners · Where: Hamilton, Ontario · Engagement: 9 weeks, fixed fee
Tax saved on closing$520,000
PriceAs agreed
Post-closing adjustmentsNone
The situation
A professional practice adding partners in Hamilton, Ontario was preparing to sell. Due diligence surfaced a single shareholder holding every share, with no room to multiply the exemption, which would have reduced the price or killed the deal outright.
What we did
We cleaned up the historical file, modelled the covenant ratios monthly and restructured the debt before the next test date rather than after it, and prepared the due-diligence package the buyer's advisers actually asked for.
The result
The deal closed at the agreed price. $520,000 of tax was saved against the structure originally proposed, with no post-closing adjustment.
Case Study 4 · Missed incentive claimed
$67,000 Credit Claim Filed And Accepted Without Adjustment — Manufacturer Planning a Plant, Brampton
Client: A manufacturer planning a plant expansion · Where: Brampton, Ontario · Engagement: 6 weeks, fixed fee
Claim value$67,000
AcceptedWithout adjustment
RepeatableAnnually
The situation
A manufacturer planning a plant expansion in Brampton, Ontario assumed the credits did not apply to a business its size. An owner making hiring decisions on last quarter’s bank balance meant they had applied all along.
What we did
We identified the qualifying activity, built the documentation to support it, and built a rolling thirteen-week cash-flow model, tightened collections, and renegotiated supplier terms so the growth stopped consuming the bank balance.
The result
$67,000 recovered. Because the eligibility analysis is on file, the same claim can be repeated each year with a fraction of the effort.
Case Study 5 · CRA review defended
$140,000 Reassessment Reduced To Nil On Review — Family Business Planning Succession, Barrie
Client: A family business planning succession · Where: Barrie, Ontario · Engagement: 3 weeks, fixed fee
Reassessment reduced toNil
Tax protected$140,000
Prior filingsUndisturbed
The situation
A review notice arrived at a family business planning succession in Barrie, Ontario covering lender reporting for two tax years. The auditor's working position was an adjustment of $140,000, driven by pricing set by feel, with no visibility into margin by service line.
What we did
Rather than negotiate, we rebuilt the record. We rebuilt the reporting around gross margin by service line, which showed two of five offerings were losing money at the current price and submitted a point-by-point response that answered each proposed adjustment with the document behind it.
The result
The auditor accepted the documented position and closed the review without adjustment, protecting $140,000 and leaving the prior filings undisturbed.
Case Study 6 · Scaling without breaking
Second-Province Expansion Handled, $155,000 Of Cash Released — Technology Company Preparing to, Vancouver
Client: A technology company preparing to raise · Where: Vancouver, British Columbia · Engagement: 11 weeks, fixed fee
Cash released$155,000
New registrationsComplete on day one
Compliance gapsNone
The situation
Revenue at a technology company preparing to raise in Vancouver, British Columbia was up sharply and cash was tighter than ever. Underneath it sat an owner making hiring decisions on last quarter’s bank balance.
What we did
We produced a board-ready monthly package — cash, margin, pipeline and covenant headroom — that replaced a spreadsheet nobody trusted. Every new obligation — registration, remittance frequency, provincial filing — was set up before it was triggered, not after.
The result
$155,000 of cash was released from the working capital cycle, and the expansion completed with every registration and filing obligation covered from day one.
Reviewed for the 2025 tax year by Udit Gupta, Certified Tax Accountant. Figures describe representative engagements of this type; outcomes depend on your own facts. Client names and identifying details are omitted for confidentiality.
