We Grow With You

Finance Outsourced

Learn More

Your Outsourced Finance Team

We offer an affordable, full-service, internal finance team. Finance Without Border’s outsourced finance team offers a variety of services to fill every role, from bookkeeping to just-in-time CFO work. We support start-ups, small businesses, and high-growth companies looking for a little extra support. We provide insight into your financial health, peace of mind for your business’ growth, and the financial focus to meet your goals.

DIY Software

Coming soon! Not quite ready for your finance team, but still need to keep things in order? We’re developing a bookkeeper-in-a-box software solution that gives you step-by-step guidance to take the guesswork out of basic company setup. It will help you identify and set up everything needed to get meaningful feedback on managing your cash. This tool is a simple, point-and-click, self-serve, front-end application. We’ll help you get started!


FWB is here to help you optimize your business for success. We offer training to help you increase productivity and streamline your internal operations. Our team can help you analyze your business' strengths and weaknesses, and pinpoint which areas can be improved. We can help you address process issues, user training, and optimization of reporting. Improving all of these areas create opportunities to reduce costs.

What We Do

We deliver peace of
mind and set you up
for success

Finance Without Borders is a comprehensive accounting solution, using powerful mobile technology and an assisted service model to provide the best solutions for small and growing businesses around the world. By using a combination of technology and service, we are able to adapt our offering to each client’s specific stage of business.

We are able to manage everything a mature company finance team would manage. But, since we’re an outsourced finance team, you only pay for what you utilize!

Finance Without Borders services the evolution of a new business, from inception to traction, providing the required level of service while supporting the entrepreneur. It’s all about helping you gain the discipline to keep your company’s finances in order.

System Design & Integration

Bookkeeping & Payroll

Financial Budgeting & Forecasting

Controller/Director of Finance


Bookkeeper-In-A-Box Software

Training & Process Improvement

Banker & Investor Relations

Our Mission

Finance Without Borders collaborates with all of its clients to develop a solid financial foundation with a practical strategy to support growth. We instill discipline, improve productivity, and increase efficiency by making finance easy. With information and education, we try to remove the stigma surrounding finance, making it accessible to everyone.

To improve your business' performance and provide a solid foundation for strategy and success.

Our Partners

Our Team

Our team is comprised of professionals with diverse backgrounds across multiple industries. We offer knowledge and expertise at all levels to ensure that our clients have a complete finance team, regardless of their size, location, or needs.

Christine Montag, CPA, CMA, CFE

Founder of FWB Inc.

Christine is an entrepreneur and business professional with a passion for creating new ventures and supporting those facing challenges. Bringing 20+ years of progressive experience in start-up and turn-around, Chris is well heeled throughout the investor community.

Christine was co-founder of tech start-up Ladybug Teknologies (LBT) with offices spanning both sides of the border. LBT started with an idea on the back of a napkin and was born into an investor-funded start-up that remained in operation for 8 years. This experience ensured Christine’s place in the flourishing start-up ecosystems of Southwestern Ontario and Western New York, taking advantage of all opportunities in the neighboring start-up communities.

Always in a hands-on role, Christine knows that wearing multiple hats from bookkeeper to business development to CXO is the life of an entrepreneur!

Before LBT, Chris operated in a very CFO-centric role, working closely with investors of companies that were either in start-up mode or turn-around mode. These companies were typically getting ready for M&A or new investment dollars.

Christine’s newest adventure is FWB Inc, recognizing that many start-up companies and SMEs with high growth opportunity need support from the basics of bookkeeping through to CFO. Sometimes the need is the full support of a finance team or it could be CFO support on a part-time basis. Christine brings her passion of entrepreneurism to this new adventure to support other entrepreneurs in bringing their company concept to reality. This can include start-up, expansion of operations, building acquisitions, financing, system conversions, and process improvement.

In addition Christine has joined the Advisory Team for Spark Technology Centre located in Oshawa, Ontario to provide support to start-ups in need of Financial modelling and investor fund raising.

Read More

Dorothy Zubel, CPA, CMA

Director of Finance

Dorothy is a business professional whose greatest strength is finding creative solutions to meet the needs of clients and stakeholders. She brings over 10 years of progressive experience in Finance where she has been an integral part in multiple system implementations including, Odoo ERP, SAP by Design, QuickBooks, Simply Accounting, XERO and Sage. In addition she has experience with PeopleSoft financial, AS400, Crystal reports and Salesforce.

Dorothy has a passion for helping organizations achieve their strategic goals and prides herself on taking the time to understand the whole organization. She has worked cross functionally in all her roles and has never shied away from rolling up her sleeves.

Before FWB, Dorothy worked as a Director of Finance in various companies focused on Accounting system stability, project managing system implementations, implementing internal processes and controls, as well as improving monthly reporting, annual budgeting and future forecasting. She has managed banking relationships, securing LOC and capital loans. Dorothy has a vast experience in full cycle accounting and works with public accounting firms to complete year end requirements.

Read More

Emalie Maraj

Payroll Guru

Emalie is a payroll specialist and brings over 10 + years of progressive experience supporting stakeholders with all things payroll; including, but not limited to, payroll calculations, benefits deductions and government statements of remuneration.

Emalie holds certificates in Payroll Fundamentals Level 1 and 2 from the Canadian Payroll Association and is a Certified Bookkeeper from the Canadian Institute of Bookkeeping.

She brings a good balance of experience in General Accounting including Accounts Receivables and Accounts Payables.

Prior to joining FWB, Emalie gained robust experience working at Mohawk College, Bridges (formerly Betacom), Telus Communications and Arqana Technologies.

Read More

Neetu Khuggar

Senior Accountant

Neetu is a Senior Accountant bringing progressive experience in Accounts Receivables, Account Payables and General Accounting. She is highly affective in account reconciliations, variance analysis, collections, and supports management with cashflow and forecasting needs.

Neetu is currently enrolled in the Chartered Professional Accounting program and plans to be designated in 2018. She is ambitious and highly motivated and comes with great experience in problem resolution.

Prior to joining FWB, Neetu worked for many companies including Tech Data Canada, Kubra Data Transfer and Maple Leaf Foods.

Read More


  • As president of a 20-year mechanical contracting company, I use FWB for CFO services. We are experiencing high growth and need access to CFO services on a part-time basis. FWB fills the gap!
    - Jane Gowing, President

  • As a founder of my own start-up, I found it challenging to split my focus between business development and day-to-day activities. Finance Without Borders (FWB) was able to take my finance and accounting needs to the next level, and allowed me to concentrate on growing my business. Their ability to provide flexible solutions has been a huge benefit, as I only pay for what services I use. I have been able to utilize their multilevel expertise, from Bookkeeper to CFO, something I would not have had access to if I had hired in my available budget. If you’re just starting up, I strongly recommend Finance Without Borders to you!
    - Tristan Lehari, Co-Founder & CEO

  • As Founder of a technology company surrounded by a team of developers what I needed was access to a CFO that could take the lead with possible investors, strategic partners and business development. FWB filled the gap seamlessly! Always there when needed!
    - Scott Gray, Founder & CEO


Get Started

  • This field is for validation purposes and should be left unchanged.