by David Monteith | Jan 12, 2026
TL;DR: Turn Q4 GST/HST into Cash, Not an Audit Trigger The Gist: January 2026—or “Janu-worry”—is a liquidity trap where holiday cash dries up just as bills come due. Instead of treating your Q4 GST/HST return as a painful obligation, you must use it as a...
by David Monteith | Jan 5, 2026
TL;DR: The Jan 2026 Survival Guide for Restaurants Canadian restaurants are facing a “liquidity crisis” this January, driven by a 4-6% rise in food prices, a 7% spike in meat costs, and a sharp drop in consumer spending known as “Janu-worry”....
by David Monteith | Dec 29, 2025
The 2026 Guide to Employee Retention and Incentive Economics TL;DR: The 2026 Guide to Employee Retention and Incentive Economics The Reality: The era of easy growth is over. For Canadian restaurants in 2026, survival depends on tight control and efficiency. The...
by David Monteith | Dec 22, 2025
TL;DR: Navigating the 2025 Canadian Foodservice Financial Landscape The Bottom Line: The “shoebox accounting” era is dead. With operating costs surging (insurance +14%, food +13%, labour +11%) and real sales growth flatlining at 0.8%, precision in...
by David Monteith | Dec 15, 2025
How to Spot Financial Disaster Before It Closes Your Restaurant’s Doors TLDR: Financial Survival for Canadian Hospitality The Current Landscape: The Canadian hospitality industry is in a “survival of the fittest” era. With business insolvencies up...
