Toronto / GTA · SMB only

See your P&L every day,
not once a year.

Invoices, sales, and bank transactions flow automatically from a folder into QBO. Query revenue, A/R, inventory, and margin from Telegram in plain English.

Not a tool your staff runs — a layer the owner operates. Data entry by AI, decisions by you.

An AI operations layer on top of QBO — your accountant stays in place
QBO · Zoho Books · Sage integrations Telegram natural-language queries Designed by a 10-year controller
jj-enterprises.ca/dashboard live
A/R ▲ 12%
$184,520
$62K expected within 7 days
A/P stable
$71,300
$14K due this week
Today May 4, Mon
10:00 — Meatopia delivery (5 orders)
14:00 — New client meeting (Royale)
17:00 — Stripe auto-invoice batch
Note
Re-negotiate Royale unit price. Update after call w/ Mr. Kim.
ask in plain English
"What's coming in this week?"
→ $62,140
5 widgets · all customizable drag / add / remove
Five owner powers

Daily, direct, in your hand

An accountant gives you a P&L once a year. Staff give you fragments. The system fills the space between — data by AI, decisions by you.

Power 1 · Daily P&L

See this month before this month ends

Revenue, costs, and margin update daily. Ask Telegram "P&L this week?" and get an immediate answer. No waiting for the accountant's monthly close.

Power 2 · A/R control

Who owes how much, and how late — every day

Receivables aging tracked automatically. Customers past 60 days flagged. Optional auto-reminder emails or messages. Ask "who's past 60 days?" and get the list in seconds.

Power 3 · Inventory visibility

Physical inventory reconciled against POS sales

Inventory turnover and safety-stock alerts. Loss and shrinkage detected automatically. Catches the silent leaks that show up as "missing food cost" on annual P&Ls.

Power 4 · Margin authority

Real margin per SKU, menu item, and customer

See which menu items, SKUs, or customers actually make money. Raise prices on or drop the low-margin ones. Push the high-margin ones. Decide with data, not feel.

Power 5 · Cash flow + bank reconciliation + payroll

Card / cash / transfer split, missing expenses caught automatically

Automatic reconciliation of POS sales against bank deposits. Missing cash expenses flagged. Payroll cost tracked, labour-cost ratio surfaced. 13-week cash forecast included.

• POS / bank auto-reconciliation
• Missing-expense detection
• Payroll + labour-cost tracking

Not "how's the business doing?" but "margin dropped 6% last week — why?" Owners who see daily decide daily. Issues get caught the week they appear, not the year-end.

How it works

AI processes, the owner decides

Data entry, classification, and reconciliation run automatically through AI. The owner asks questions in Telegram and gets answers. QBO and your accountant stay in place.

AI processes

Data flows in automatically

📥
Vendor invoices (PDF)
Email or folder drop → AI extracts vendor, amount, category → posted to QBO
🧾
Receipt scans
Photo or PDF → OCR + AI classification → expense category mapped → posted to QBO
🏪
POS / sales data
Square / Lightspeed / Shopify / custom POS APIs → daily sales summarized → QBO revenue accounts
🏦
Bank transactions
Plaid / bank APIs → POS sales reconciled against deposits → missing cash transactions flagged
👥
Payroll
Wave / ADP / direct payroll → labour cost, ratio, tip allocation tracked → margin per role
Owner decides

Ask Telegram, get an immediate answer

Owner
"What's coming in this week?"
→ $62,140 (5 deposits expected)
Owner
"Who's past 60 days?"
→ Royale $14.3K, Olive $8.7K
Owner
"Last week's P&L?"
→ Revenue $84.2K · Cost $79.1K · Margin 6.1%
Owner
"Cash sales share?"
→ Card 72% · Cash 21% · Transfer 7%
Owner
"Process the invoices I just dropped"
→ 3 processed and posted to QBO.
Your accountant stays in place. QBO receives the same data your accountant already works with — only daily, automatically, and reconciled. The accountant's month-end gets cleaner; the owner sees the numbers daily.
Talk to your business

Ask in plain English from the chat tool you already use

Queries are submitted through the messaging platform the team already uses. No additional application needs to be opened, and information is accessible from any location with messaging access.

"What's revenue today?" → totals by channel and customer
"What's coming in this week?" → expected receipts + late payers
"Which SKUs are below safety stock?" → reorder list
"Schedule Royale meeting tomorrow at 2pm" → calendar entry created
"Quarterly operating margin?" → live P&L answer
Channels (API integrated)
Slack Telegram Microsoft Teams Discord WhatsApp Business Email Web chat
JJ
JJ Bot
Slack · #ops
What's revenue today?
Today's revenue: $8,420
• Meatopia $4,200
• Royale $2,800
• Other $1,420
How much does Royale owe?
$14,300 (2 invoices, avg 18 days late)
Send a reminder?
Integrations

Keep the tools you already pay for

No rip-and-replace. We connect what you have over APIs and pull the data into one place.

Accounting · ERP
QuickBooks Online Xero Sage 50 / Intacct NetSuite Wave FreshBooks Zoho Books
Payments · invoicing
Stripe Square PayPal Plaid (banking) Moneris
E-commerce · POS
Shopify Amazon eBay WooCommerce Lightspeed
CRM · sales
HubSpot Pipedrive Salesforce Mailchimp
Operations · collab
Notion Asana Monday ClickUp Google Workspace Microsoft 365
Messaging · alerts
Slack Telegram Microsoft Teams Discord WhatsApp Business Twilio SMS

Tools not listed above can also be integrated via API, CSV import, or email parsing. The free diagnostic reviews the existing toolset for each engagement.

Why JJ Enterprises

Designed by a practitioner who has closed the books

Automation engineers are typically unfamiliar with accounting workflow; accounting professionals typically lack system design experience. The intersection of the two skill sets is uncommon in the market.

10 years as accounting manager and controller
Roles at Pantos Logistics, Pacific High Tech, Total Express, and Safetech, with direct responsibility for month-end close, cash management, and system implementation.
Accounting and automation in a single skill set
Implemented close, accounts receivable, and reporting pipelines using VBA, Python, and n8n in production environments at prior employers.
48-hour working prototype
Prior to full implementation, the highest-priority workflow is delivered as a functional prototype within 48 hours. The client makes the build decision based on a working demonstration rather than a presentation deck.
Bilingual delivery (English / Korean)
Documentation, training materials, and ongoing support are provided in both languages. Suitable for organizations with Korean headquarters and Canadian operations.
Engagement boundaries

JJ Enterprises is not the appropriate partner if

  • The organization has 500 or more employees, where internal IT or enterprise ERP (e.g., SAP) is more appropriate.
  • The expected delivery timeline is shorter than realistic. A typical engagement is one week of diagnostic, two weeks of prototyping, and approximately one month of rollout.
  • The required system falls within a regulated vertical (e.g., medical EMR, legal LMS) where a specialist vendor is required.
  • The owner or operations team is not committed to using the resulting system. Tooling alone does not change operational behavior.

Fit is assessed during the 30-minute diagnostic. If a project is not a suitable fit, no proposal is issued.

Government grants and financing

Active programs and programs we are monitoring

The Canadian grant landscape changes frequently. We handle eligibility assessment, application packaging, and post-claim documentation, and we monitor closed programs for reopening. Status as of May 2026:

Currently accepting applications
SR&ED Tax Credit
Active
35% refund
CCPC cash refund

A 35% cash refund on R&D spend that resolves technological uncertainty. Arm's-length contractor expenditures qualify at 80% of cost; the R&D portion of that base receives the 35% rate.

  • • Documented systematic R&D required
  • • T2 Schedule 31 / Form T661 filing
  • • Filed within 18 months of fiscal year end
  • • JJ runs eligibility assessment and technical narrative
BDC LIFT
Active
$50K–$2M
Loan (low-rate, unsecured)

A digital-transformation loan from BDC. This is a financing instrument rather than a grant, offered at a low interest rate, unsecured, with an initial interest-only period. AI track up to $2M; productivity track up to $5M.

  • • Restricted to digital / AI implementation
  • • Annual revenue $1M+ for AI track
  • • JJ supports the BDC business case
NRC IRAP
Active
$75K–$500K
R&D matching (non-repayable)

National Research Council R&D funding. Reimburses 80% of salaries and 50% of contractor costs. Primarily reduces vendor-side R&D risk, with indirect client benefit through pricing flexibility. AI Assist stream available separately.

  • • Free Industrial Technology Advisor consultation
  • • Time records and progress reporting required
  • • First-time SMB awards typically $75K–$200K
  • • JJ handles ITA contact and application package
Ontario Small-Business CIT Cut
Effective 2026-07-01
3.2% → 2.2%
Corporate income tax rate (automatic)

Ontario small-business corporate tax rate reduced by approximately 30%, effective July 1, 2026. No application required — the rate is applied automatically at corporate tax filing on the first $500,000 of eligible income.

  • • Ontario-incorporated, eligible income up to $500K
  • • Applied automatically on T2 filing
  • • No separate application required
Currently closed — monitoring for reopening
OCI DCC DMAP
Closed
$15,000
Digital adoption plan grant

A digital-adoption plan developed with a Digital Adoption Consultant. Prerequisite for the TDP. Currently closed at OCI. We monitor for reopening and notify clients on standby.

OCI DCC TDP
Closed
Up to $150,000
Technology demonstration grant (50% match)

A 50% matching grant for SMBs that have completed DMAP. Historically the largest direct-to-client grant in this set. Currently closed at OCI. Application package preparation begins immediately on reopening.

Worked scenario — $30K system build (client out-of-pocket)

Current environment vs. future scenario

Current (May 2026)
System cost$30,000
SR&ED refund (estimate)−$5,460
Out-of-pocket$24,540
If DCC reopens (scenario)
System cost$30,000
DCC TDP match (50%)−$15,000
SR&ED refund−$5,460
Out-of-pocket$9,540

* SR&ED claims are filed after fiscal year end and are subject to CRA review for CCPC status, arm's length, and R&D eligibility. DCC TDP is currently closed at OCI; on reopening, the client files directly (with DMAP completion as a prerequisite). BDC LIFT is a separate financing track. All refunds and loans are subject to government and lender review and are not guaranteed.

Process

4 steps — diagnostic to operations

01 · Day 1

Free 30-min diagnostic

Walk through current flow, painful points, and existing tools. Confirm fit first.

02 · Days 2–5

48-hour prototype

The highest-priority workflow is delivered as a functional prototype. Implementation decisions are based on a working demonstration.

03 · Weeks 2–5

Full build

Dashboard, plain-English chat, integrations. Grant applications run in parallel.

04 · Month 2+

Operations and iteration

Monthly review reports and message-based change requests are included. The system is iterated alongside business changes.

Pricing

Three tiers — sized to your business

From $500K to $30M in annual revenue. Pricing depends on company size and channel complexity. The free 30-minute diagnostic and initial audit determine the right tier.

Standard
$1K setup
+ $300 /month

Revenue $500K–$3M · single channel · 1–10 staff

  • AI invoice / receipt entry
  • QBO integration + daily P&L
  • Telegram natural-language queries
  • A/R aging tracking
  • POS / bank reconciliation
Inquire
recommended
Pro
$3K setup
+ $600 /month

Revenue $3M–$10M · multi-channel · 10–30 staff

  • Everything in Standard
  • Multiple POS / payment channels
  • Per-SKU / per-menu margin analysis
  • Inventory reconciliation + loss detection
  • Payroll / labour-cost ratio analysis
  • SR&ED filing support (post-fiscal year end)
Inquire
Custom (Enterprise)
$20K+ setup
+ $1.5K /month

Revenue $10M+ · full ERP replacement · 30–150 staff

  • Everything in Pro
  • Custom workflow (order → production → delivery)
  • Multi-location / multi-entity consolidation
  • Full grant program support (TDP / SR&ED)
  • Dedicated consulting
Enterprise inquiry

Tier selection guide

Below $500K revenue: system ROI is unclear. QBO + an accountant typically suffice. (Not currently a fit for our offering.)
$500K–$3M: Standard fits. Single POS, mostly card sales, owner handles receipts directly.