Referral partners · Accountants and CPA firms

Why accountants and CPA firms refer practice files here

This desk started in a CPA firm's client base, and accountants still send the clearest files that reach it.

Make an introduction Request the co-branded one-pager

Your vantage point

What you see first

You see the corporate structure, the real earnings behind the tax return, and the retirement conversation that turns into a sale — usually years before anybody else does. On a practice file that context is worth more than anything on the buyer's application, because it is the part a lender cannot read off a form.

From where you sit

Where these files come apart

The financing conversation starts too late

By the time a client asks how to pay for it, they have often already agreed a price and a closing date. Structure is easiest to get right before those are fixed, not after.

The purchase is treated as one thing

A practice purchase usually is not one thing. The practice, the premises, the fit-out and the working capital to carry the first months are separate questions that have to be answered together.

The corporate structure is discovered mid-file

Holdcos, professional corporations, existing partner loans and shareholder agreements all change how a file is assembled. Finding them late costs weeks.

After the introduction

What your client gets

A structure conversation before the offer, not after it
The practice, the real estate, the equipment and the working capital arranged as one project rather than four separate applications
A file assembled once and taken to the lenders that write this kind of paper

What this page will not do is quote you a rate, an amount or an approval. Practice financing is priced and approved file by file, and a number invented here is one you would end up repeating to your own client.

The protocol

What stays yours

The client stays yours. This desk arranges financing; it does not sell accounting, tax or advisory work, and it will not be pitching against you at your own client's table.

Make the introduction

An email with your client's name and one line about the practice is enough — no form for you to fill in, no portal to log into.

We take it from there

Your client gets the structure conversation, the file assembly and the lender placement.

You keep the relationship

The client stays yours, and this desk has nothing to sell them but financing.

How a client is protected

Four professionals, one table

The strongest protection a client can have is not one careful adviser — it is four, each standing in front of a different risk. So this desk brings them in on purpose: your client’s accountant, their lawyer, their adviser and the financing, working the same file at the same time. Not four opinions arriving separately, but one plan that all four voices agree on.

Ramin protects the financing

That the structure, the lender and the terms are the right ones for this file — not simply the ones that were available on the day. Debt taken badly is the thing that turns a good practice into a hard decade.

The accountant protects the tax position · that is you

That the purchase sits properly inside the corporate structure, and that nothing lands on the client's year that nobody planned for.

The lawyer protects the exposure

That the agreements, the security given and any personal guarantees say what the client believes they say — and that what is at risk is what they agreed to put at risk.

The adviser protects the plan

That this move fits the strategy it sits inside, instead of quietly undoing years of it.

That is what makes the protection more than the sum of it: nobody works in the dark, the plan is checked from four directions before anything is signed, and each professional catches what the others cannot see from where they sit.

Working alongside the client’s accountant and lawyer is the normal way a file runs here, not a favour. This desk arranges financing and gives no tax or legal advice — naming the other three seats is how that responsibility stays where it belongs.

Start it

One email is enough

Write to ramin@mortgageguru.ca or call 778-879-6768. If you would rather send it through the form, it is on the partners page — and the co-branded one-pager, carrying your firm’s name alongside this desk’s, is requested there too.

The other channels