Articles & tools to help business owners with finance

Our Financial Tools

Powerful tools designed to help you manage and grow your business finances

Classify

The most powerful API for transaction enrichment, categorization, and company identification. Global coverage, 350+ categories, VAT estimation, and more.

Enrich financial data

Break Even Calculator

This analysis helps business owners understand how many units need to be sold at a given price to cover expenses.

Calculate my break even point

Pricing Strategy Calculator

Get tailored pricing recommendations based on your industry and strategy. Run profit projections and cash-flow scenarios to maximise profitability.

Calculate my optimal price

Small Business Tool Stack

A curation of the world's best software tools to help take your small business to the next level !

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SaaS Treasury: Master MRR, Churn & Payment Delays in Canada

73% of Canadian SaaS companies face cash flow timing gaps. Learn how to manage MRR, churn impact, and B2B payment delays to protect your runway in 2026.

2026-09-24 Cash Flow Management

Q3 2026 Cash Flow Review: The Complete Canadian SME Guide

Close Q3 2026 with confidence. Learn how Canadian SMEs can build a bulletproof cash flow statement, avoid liquidity traps, and prepare for Q4 — in under a day.

2026-09-21 Cash Flow Management

E-Invoicing on Trezy: Canada & Cross-Border Guide 2026

E-invoicing is now live on Trezy for Canadian businesses. Discover how to cut invoice costs by 45% and stay compliant with CRA requirements in 2026. Start free today.

2026-08-27 Cash Flow Management

Multi-Entity Cash Flow: Managing 2+ Companies Like a Pro

Managing cash flow across 2+ companies? Learn how to consolidate visibility, eliminate blind spots, and automate multi-entity treasury. Free guide for Canadian SME owners.

2026-08-24 Cash Flow Management

Multi-Currency Treasury Management for Canadian SMEs: The 2026 Guide

Master multi-currency cash flow for your Canadian SME in 2026. Stop FX margin erosion, close the cash flow gap, and manage USD/EUR/GBP in real time with Trezy. Manage cross-border operations with confidence while protecting your bottom line from currency fluctuations.

2026-04-17 Cash Flow Management

Excel vs. Cash Flow Software: What You're Missing in Canada

Still managing cash flow in Excel? Discover what Canadian SMEs are losing — and gaining — by switching to dedicated software. Make the smart move in 2026.

2026-04-13 Cash Flow Management

Trezy Launches in Canada: What It Means for Canadian SMEs

Trezy's AI-powered cash flow platform is now available in Canada. Discover how small businesses can manage finances smarter starting at CA$18/month.

2026-03-31 Cash Flow Management

The 9 Best Treasury Software in 2026

Compare the 9 best treasury software in 2026: Trezy, Agicap, Fygr, Qotid, QuickBooks, Sage, Xero, FreshBooks and Wave for Canadian businesses.

2025-12-15 Cash Flow Management

Treasury Software: Optimize Your Cash Flow

Discover how treasury software can automate your processes, provide real-time visibility, and optimize your cash flows for your Canadian business.

2025-12-15 Cash Flow Management

Understanding the Importance of Financial Audits

Financial audits ensure transparency, compliance with standards (IFRS/ASPE), and the reliability of financial statements, thereby strengthening stakeholder confidence. Beyond detecting errors and fraud, they improve internal controls, risk management, and inform strategic decision-making. The process follows structured steps (planning, risk assessment, testing, reporting, and follow-up), conducted by internal and/or external auditors, increasingly supported by analytics and automation technologies. Useful in both public and private sectors, audits evolve with AI and cybersecurity and remain essential to sound governance and sustainable growth.

2025-12-15 Financial Management

5 Cash Management Trends for 2026

The 5 key cash management trends for 2026. Generative AI, Open Banking, ESG and sustainable finance.

2025-12-10 financial-management-funding

Effective Business Cash Flow Management

Master your business cash flow. Tools, methods, and best practices for Canadian businesses.

2025-12-10 financial-management-funding

Restaurant Cash Flow Guide 2026

Cash flow management in restaurants. Complete guide 2026.

2025-11-30 financial-management-funding

Retail Cash Flow Guide 2026

Retail cash flow management. Complete guide 2026.

2025-11-30 financial-management-funding

SaaS Cash Flow Guide 2026

SaaS cash flow management. Complete guide 2026.

2025-11-30 financial-management-funding

E-commerce Cash Flow Guide 2026

E-commerce cash flow management. Complete guide 2026.

2025-11-30 financial-management-funding

Construction Cash Flow Guide 2026

Construction cash flow management. Complete guide 2026.

2025-11-30 financial-management-funding

Consulting Cash Flow Guide 2026

Cash flow management for consulting firms. Guide 2026.

2025-11-30 financial-management-funding

Manufacturing Cash Flow Guide 2026

Learn how to master cash flow management for your manufacturing business.

2025-11-30 financial-management-funding

Income Statement: Beyond the Numbers

Learn to read an income statement like an analyst: every line explained, a worked example, margin analysis, red flags, and what the P&L hides.

2025-10-14

Late Payments: How to Prevent Them and Protect Your Cash Flow

Every overdue invoice is a free loan to your customer. How to prevent late payments, use your EU rights, and get paid first.

2025-10-07

Master Your Bank Balance: Smart Cash Flow Guide

Your bank balance is lying to you. Learn to separate committed from available cash, size a real buffer, and see problems weeks ahead.

2025-09-30

The 13-Week Cash Flow Forecast: A Survival Guide for SMEs

Most cash crises are visible a quarter ahead — if you look. How to build and run the 13-week forecast that keeps SMEs alive.

2025-09-23

The Treasurer: A Strategic Guardian of Financial Stability

Every SMB has a treasurer — usually the owner. Here's what the role really involves: liquidity, forecasting, banking, security, KPIs, and cadence.

2025-09-16

Profit vs Cash Flow: Why Companies Fail

Profitable companies go bankrupt all the time. A worked example shows how payment terms, stock and VAT drain cash — and how to stop it.

2025-09-09

Top 5 Cash Flow Mistakes to Avoid

The 5 cash flow mistakes Canadian SMBs make and how to avoid them.

2024-12-17 financial-management-funding

How AI is Redefining Money Management for Small Businesses

Managing finances can be overwhelming for Canadian small business owners, but AI is changing the game.

2024-12-06 technology-tools-for-small-business

5 Trends in Cash Management for 2025

Discover the 5 key cash flow management trends for 2025. AI, real-time payments, and alternative financing options tailored for Canadian businesses.

2024-12-03 financial-management-funding

The Pricing Puzzle | Tips to nail your pricing strategy

Solve the pricing puzzle. Practical tips to set optimal prices and boost your profit margins.

2024-11-20 financial-management-funding

Gearing Ratio: What Is It and How to Calculate It?

The debt ratio explained. Calculation and interpretation for Canadian businesses.

2024-11-12 financial-management-funding

The Pricing Strategy Guide for Small Business

Cost-plus, value-based, or competitive? Set your price floor, use tiers and anchoring, raise prices without churn, and see the impact on cash flow.

2024-10-29 true

A Comprehensive Guide to Creating an Effective Marketing Plan

Create an effective marketing plan. Complete guide.

2024-10-18

Accrual Accounting vs. Cash Accounting

Accrual vs cash accounting: which method to choose for your Canadian business?

2024-10-18

Agile Project Management: A Comprehensive Guide

Agile project management explained. Methods and tools for Canadian development teams.

2024-10-18

Best Practices for Personnel Management

This article discusses the importance of effective personnel management in a Canadian organization, covering compliance with CRA requirements and provincial labour standards.

2024-10-18

Break-Even Point: What is it? How to calculate and use it?

Break-even point: calculation and use for your business.

2024-10-18

Building a Financial Model for Your Canadian Business

Build a solid financial model for your Canadian business to support growth and strategic decision-making.

2024-10-18

Building an Effective Sales Pipeline for Business Success

Create an effective sales pipeline. Practical guide for Canadian businesses.

2024-10-18

Cash Basis Accounting: Pros & Cons

Cash basis accounting is a method that recognizes revenue and expenses when cash is received or paid, respectively.

2024-10-18

Cash Flow Forecasting: A Guide for Canadian Small Business Owners

Master cash flow forecasting for Canadian small businesses. Step-by-step guide to predict and manage your finances while meeting CRA requirements.

2024-10-18

Cash Flow: Definition, Importance, and Calculation

Cash flow explained. Definition, importance, and calculation for Canadian businesses.

2024-10-18

Cash Pooling Conventions for Group Treasury Management

Cash pooling to centralize your group's treasury in Canada.

2024-10-18

Collecting Visitor Data for Local Tourism

How to collect and use visitor data to develop local tourism in Canadian communities.

2024-10-18

Coworking: An Emerging Workspace Trend

Coworking: benefits and trends in shared workspaces.

2024-10-18

Creating an Effective About Us Page for Your Website

Create an effective About page for your website.

2024-10-18

Discounted Cash Flow: A Valuation Method

The DCF method to value your business. Practical guide for Canadian entrepreneurs.

2024-10-18

Dividend vs. Salary: Compensation Strategies for Canadian Executives

The compensation of business leaders is a complex issue, requiring a choice between receiving dividends or a salary. This strategic decision varies based on several criteria specific to the Canadian tax and regulatory environment. Here's an analysis to shed light on the implications of each option and guide you toward the most prudent choice for your situation.

2024-10-18

Effective Communication Strategies: Focus on Your Audience

Communicate effectively. Focus on your audience.

2024-10-18

Ecommerce Marketing Strategies

This article provides 21 proven ecommerce marketing strategies to help Canadian online businesses drive traffic, convert visitors, and boost sales in the competitive digital marketplace.

2024-10-18

Enhancing a Small Office Space: Practical Tips

Simple tips to make your small office more comfortable and productive for Canadian businesses.

2024-10-18

Essential Business Fundamentals for Small Businesses

The article emphasizes the importance of focusing on three key business fundamentals: understanding financial indicators, leveraging learning resources and mentorship, and fostering positive customer interactions. Tailored for Canadian small business owners managing finances through the CRA framework and building sustainable growth.

2024-10-18

Essential Resources for Startup Success

Essential resources for startup success in Canada.

2024-10-18

Starting a Successful Small Business in Canada

This article provides a comprehensive guide for individuals interested in starting and owning a small business in Canada, covering everything from business planning to securing financing and navigating Canadian regulatory requirements.

2024-10-18

Evaluating Ecommerce Software Solutions for 2024

This article discusses the importance of selecting the right ecommerce software for an online business in the Canadian market.

2024-10-18

Factors Influencing Consumer Purchasing Power

Factors influencing consumer purchasing power in Canada.

2024-10-18

Finding the Perfect Rental for Remote Work in Canada

Find the ideal space for remote work across Canada. Practical guide tailored for Canadian remote professionals.

2024-10-18

How Technology Can Boost Your Business Profitability

This article highlights the importance of utilizing the right technology and software tools to streamline operations and enhance profitability for Canadian businesses, covering email clients, accounting software, CRM systems, and communication tools.

2024-10-18

How to Anticipate and Manage Cash Flow Shortages

This article provides guidance on how to anticipate and address cash flow shortages in a Canadian business.

2024-10-18

How to Conduct a Market Study for a Canadian Entrepreneur

This article provides a comprehensive guide for Canadian entrepreneurs on conducting a market study to assess the viability of your business idea before launch, including quantitative, qualitative, and documentary research approaches tailored to the Canadian market.

2024-10-18

How to Create a Successful Business Plan

Learn how to write a business plan lenders take seriously: section-by-section guide, financial forecasts, break-even, and the mistakes to avoid.

2024-10-18 false

How to Present the Cash Flow Statement in a Business Plan

Lenders read the cash flow plan first. Build a monthly 12-24 month forecast, present assumptions and scenarios, and size your funding request from it.

2024-10-18 false

Importance of Financial Preparedness for Businesses

The article emphasizes the importance of financial preparedness and risk management for businesses operating in Canada, with guidance on building cash reserves and navigating economic uncertainties.

2024-10-18

Improving Your Company's Cash Flow

How to improve your cash flow? Better negotiations, lower costs, and optimized payments.

2024-10-18

Launching a New Business: A Step-by-Step Guide for 2024

This article provides a comprehensive step-by-step guide for aspiring entrepreneurs to start their own business in Canada in 2024.

2024-10-18 leadership-development

Lessons Learned from Social Media Marketing

Key lessons from social media marketing for Canadian businesses.

2024-10-18

Liquidity - What does it mean and how it’s used in business?

Liquidity explained. How to use it for your business.

2024-10-18

Managing Excess Cash: Solutions for Canadian Businesses

This article explores various options for Canadian businesses to effectively manage excess cash, including financial investments, early supplier payments, intra-group loans, and strategic business expansion opportunities.

2024-10-18

Mastering Social Media Metrics for Effective Marketing

Essential social media metrics for your Canadian marketing strategy.

2024-10-18

Balance Sheet: Key Elements

Essential balance sheet indicators explained simply for Canadian entrepreneurs.

2024-10-18

Inventory Management for Canadian SMB Profits

Optimize your inventory to maximize profits and streamline operations for your Canadian small business.

2024-10-18

Overcoming the Fear of Failure in Business

Overcome the fear of failure in business. Practical tips for Canadian entrepreneurs.

2024-10-18

Reducing Customer Complaints Online

Reduce customer complaints. Proactive strategies.

2024-10-18

Short-Term Cash Flow Financing Tools for Canadian Businesses

Short-term financing solutions to manage your cash flow in Canada.

2024-10-18

Merchandising: Product Presentation

Optimize your merchandising to increase sales across your Canadian retail business.

2024-10-18

The Importance of Middle Management in Startups

The key role of middle management in Canadian startups.

2024-10-18

The Profit First Method: A Paradigm Shift for Business Success

The Profit First method for building a profitable Canadian business.

2024-10-18

The Role and Importance of Logistics in Business

Logistics in business: role, importance, and optimization in the Canadian market.

2024-10-18

The Traits of Successful Entrepreneurs and Finding Your Path

The characteristics of successful entrepreneurs in the Canadian business landscape.

2024-10-18

Understanding Depreciation: A Pillar of Corporate Accounting

Depreciation is a fundamental accounting concept that plays a crucial role in a company's financial management. It allows the spreading of the acquisition cost of an asset over its useful life, providing a more accurate representation of the consumption of economic benefits that the asset brings.

2024-10-18

Understanding Free Cash Flow Yield

Calculate and use free cash flow yield to evaluate Canadian business investments.

2024-10-18

Understanding Incremental Cash Flow

Evaluate incremental cash flows for your business decisions.

2024-10-18

Understanding Net Cash Flow for Small Businesses

Net cash flow explained for small businesses in Canada.

2024-10-18

Understanding Operating Cash Flow (OCF)

Operating cash flow explained. Calculation and analysis for Canadian businesses.

2024-10-18

Understanding Petty Cash: Definition, Usage, and Management

Petty cash: definition, management, and best practices for Canadian businesses.

2024-10-18

Understanding Positive Cash Flow and Its Components

Generate positive cash flow. Components and strategies for Canadian businesses.

2024-10-18

Understanding Trade Shows: A Comprehensive Guide

Succeed at trade shows. Complete guide for Canadian businesses.

2024-10-18

Understanding a Company's Share Capital

Share capital explained. What you need to know for your Canadian business.

2024-10-18

Understanding and Creating a Cash Flow Forecast

Learn to build accurate cash flow forecasts for your Canadian business. Understand the fundamentals and create reliable projections to manage your finances effectively.

2024-10-18

Understanding and Improving Customer Experience

Improve your company's customer experience. Methods and tools.

2024-10-18

Reducing Customer Acquisition Cost

This article explains the importance of understanding and effectively managing customer acquisition cost (CAC) for Canadian businesses. Learn how to calculate CAC, balance spending, and implement strategies to reduce costs while maintaining profitability.

2024-10-18

Understanding the Process of Liquidation

The business liquidation process explained simply for Canadian entrepreneurs and business owners.

2024-10-18

Validity Conditions of a Contract: The Three Essential Points

A valid contract requires three essential conditions: the parties must give their informed consent, they must have the legal capacity to enter into the agreement, and the contract's content must be lawful and certain. Understanding these requirements is crucial for Canadian businesses to ensure their agreements are enforceable under Canadian law.

2024-10-18

EBIT: Definition & Calculation

EBIT explained: Earnings Before Interest and Taxes. Calculate operating profit and assess your Canadian business performance.

2024-10-18

What is EBITDA? - The Meaning & How to Calculate

EBITDA explained in plain English: the two formulas, a worked P&L example, EBITDA margin, valuation multiples, and the traps to avoid.

2024-10-18 false

Current Ratio: Definition & Calculation

Current ratio: calculation and use.

2024-10-18

Quick Ratio: Definition & Calculation

Quick Ratio explained. Measure your immediate liquidity.

2024-10-18

5 Reasons to Prioritize Cash Flow

Why is cash flow vital for your business? 5 reasons to prioritize it now.

2024-10-15 financial-management-funding

Trezy Secures C$4.5 Million in Seed Funding

Trezy secures C$4.5 million in seed funding to expand across Canada and North America.

2024-10-15

Frequently asked questions

How can i migrate to the new version of Trezy?

If we haven't reached out to you, send an email to [email protected] to experience the new Trezy.

What is new in the new version?

The app is way faster, with a bug-free experience.
Besides, we created new features such as supplier analysis, which analyse your suppliers and inflation per product you buy for your company.