The software stack for Canadian consultants and agencies.
From incorporation to clean books: the lean set-up we deploy for Canadian consultants, freelancers, and small agencies, so admin stays minimal and every dollar is tracked.
Disclosure: some links are affiliate links. If you use them, we may earn a commission at no extra cost to you.
Curated by Sebastien Prost, CPA, from tools we run and deploy for Canadian clients.
What software does a Canadian consultant need?
A Canadian consultant or small agency runs on four layers: incorporation and a minute book (Ownr), a no-fee business bank account (Venn), a cloud ledger (Xero) for GST/HST and invoicing, and receipt capture (Dext). Set them up at the start and you go from incorporated to clean, CRA-ready books without manual data entry.
Incorporation, banking, ledger, receipts
Four layers that take a service business from set-up to clean books, without the admin overhead.
Incorporate and keep your minute book current online.
15% off + $300 RBC
No-fee CAD and USD business banking with low-cost FX.
Up to $500 bonus
Invoicing, GST/HST, and reporting in one ledger.
90% off for 6 months
Snap receipts and bills straight into Xero, coded.
30% off for 12 months 15% off + $300 RBCOwnr, the incorporation
Ownr handles incorporation and ongoing legal filings online, plus a digital minute book that keeps your corporate records current. With our link you get 15% off, and RBC adds up to $300 cash back when you open a business account.
Up to $500 bonusVenn, the business bank
Venn is no-fee Canadian business banking for incorporated companies: CAD and USD accounts, low-cost FX and international payments, and corporate cards. It keeps business money separate from personal and syncs to Xero.
90% off for 6 monthsXero, the ledger
Xero is the accounting core: professional invoicing, GST/HST tracking across provinces, bank feeds, and reporting. Your Venn transactions flow in and reconcile, so your books are always current.
30% off for 12 monthsDext, the receipt capture
Dext captures receipts and supplier bills by photo, email, or upload, extracts the data, and posts it to Xero with the right tax codes. It removes manual entry and keeps you audit-ready for the CRA.
How the consultant stack fits together
Set up your corporation and digital minute book online, and take 15% off through our link.
No-fee CAD and USD banking keeps business and personal money cleanly separated from day one.
Xero handles invoicing, GST/HST, and reporting, with your Venn transactions flowing in to reconcile.
Photograph or forward every receipt and bill; Dext codes it and posts it to Xero, so nothing is missed at tax time.
Combined first-year value of the offers across the consultant stack, before the admin time you save.
- Up to $500 signup bonus with Venn
- Xero 90% off for six months
- Dext 30% off for twelve months
- Ownr 15% off plus up to $300 RBC cash back
Set it up to grow with your book of business
Whether you are a solo consultant or a small agency, the same stack scales as you add clients and contractors.
Incorporate with Ownr, bank with Venn, and keep books in Xero. Add Dext so receipts never pile up before a GST/HST filing.
Same core, plus contractor payments through Venn and clean project tracking in Xero. Add Ignition when you move clients onto retainers.
Layer in payroll and proposal automation as you hire, on top of the same clean Xero ledger, so growth never means a rebuild.
Billing clients on retainer? Add Ignition for proposals and billing to automate engagement letters and collect payment on signature.
Consultant stack questions
Start clean, stay clean
Incorporate, bank, and keep books in one connected set-up and your consulting business stays CRA-ready as it grows. Open the account the rest of the stack connects to.
Consultant stack
Up to $500 with Venn