Growth · Montréal
Most owners want a business that keeps more of what it earns. Fruxal reads your contracts, invoices and statements every month and shows you cash to collect, credits to claim and costs to renegotiate. Fix a cost that repeats, and you keep that money every year it would have repeated.
Confidential. Documents only, no access to your systems. English or French.
Card processing charged above the rate in the merchant agreement
Volume rebate tier crossed in the second quarter, never claimed
Hiring program that may apply to two positions added this year
Every amount ties to a specific transaction in your own statements. No industry averages, no revenue-based estimates, no unsupported figures.
Before release, a second, separate check tests each finding against refunds, credit notes, recurring charges and deposits. Unresolved items are flagged for confirmation.
Submit the statements you already have, or connect a read-only bank feed and QuickBooks. We never hold your banking credentials.
The review, the monthly report and the correspondence, in English or French.
What we look for
Each finding names its source, and says what it costs you per year where that can be measured.
Supplier prices that drifted from the contract, bank, card and insurance fees above what the market charges, subscriptions renewed past their use. Fix one, and the saving repeats for as long as it stays fixed.
What we read
Supplier agreements, invoices, bank and card statements, insurance policies
Rebates and volume credits never claimed, supplier overbilling, credit notes issued and never applied, customer invoices left to age. This is money that already belongs to the business.
What we read
Rebate terms, supplier statements, credit notes, receivables aging
Government programs and credits that may apply to your business, your payroll and your region. We identify them and document why they may fit. Your accountant decides and files.
What we read
Payroll summaries, financial statements, program criteria
One customer who is too large a share of revenue, filings and permits that fell behind, insurance that no longer matches the business. Usually cheaper to fix now than when a lender, an insurer or a buyer asks.
What we read
Sales by customer, permits, filing records, insurance policies
Financing
Growth often needs credit. A lender reads your statements to decide how much to lend and on what terms, and whatever they question costs you: a smaller amount, a higher rate or a refusal. We find what they would question, help you fix it, and gather the documents they will ask for, so the file you hand over is in order.
We do not arrange or broker loans.
Process
30 minutes
Your business, what you want to fix first, and which documents exist. You leave with a list of what we would need to read.
Every month
From documents you send or a connected bank and QuickBooks, after a mutual NDA. Each finding is traced to its source and checked a second time before you see it.
Every month
Walked through with your representative. Each finding: what it is, its source, what it is worth where that can be measured, and what fixing it takes.
At your pace
Renegotiate, cancel, claim, document. You decide which findings to act on, and each one comes with a letter ready to send.
Every day
Once your bank or QuickBooks is connected, the same morning email when something needs you, and each month checks that what was fixed stayed fixed.
Fees
You pay $0.10 CAD for each entry we review and verify, billed once a month. No subscription, no set-up fee, and no share of what you collect. A month under $50 CAD is not invoiced; it carries over. The first call is free.
A dated report, a letter ready to send for each finding, and a call with your representative. Once your bank or QuickBooks is connected, an email the same morning when something needs you.
See the monthly reviewAccountants, brokers and consultants can send us owners who want to fix, not sell. We take it from the first call, report to the owner, and do not compete for your client's books or mandate.
No. The review is the same. Only the goal changes: money kept every year instead of a higher price.
No. We read copies and exports you send. No logins, no bank credentials, no access of any kind to your systems.
No. Your accountant keeps the statements, the returns and any filing. We find what to fix and help you fix it.
Only when you ask us to act on a finding with them. We contact no one on your staff, and none of your suppliers or customers, without your say.
$0.10 CAD per entry we review and verify, billed monthly. No subscription. Any other fee is set only in a signed agreement. The first call is free. The company page has the details.
Contact
Thirty minutes. Tell us what you want to fix first. The call ends with a list of the documents we would read and how long the reading takes. No obligation, and no report is produced from the call.
Rather write first? contact@fruxal.ca