Convert your taxable income into non-taxable loan advances. One setup. 5% platform fee. We handle CRA if they ever challenge.
Explore Platform DetailsWhether you're an employee, self-employed, or business owner—you're losing $15K, $25K, $40K+ annually to income taxes.
Convoluted schemes that require constant maintenance, expensive accountants, and annual updates just to stay compliant.
Wondering if your strategy will survive scrutiny. Worrying about reassessments, penalties, and personal liability.
Your income flows to you as non-taxable loan advances instead of taxable salary or business income. Legal. Simple. Effective.
Pay just 5% platform fee instead of 25-50% income tax. Keep $20K-$45K+ more per year with one simple setup on $100K income.
If CRA challenges the structure, our platform corporations are contractually liable for any taxes—not you personally.
The Hosted Contractor Platform works for three distinct audiences—all using the same structure.
Currently: T4/W-2 Employee
You're losing 25-50% of your income to taxes every year. Your employer withholds it automatically—you never even see that money.
HCP Solution:Convert from employee to contractor. Your income flows through our platform as non-taxable loan advances.
Keep ~$10K-$30K+ more per year
Currently: Paying Full Tax on Business Income
You're already self-employed but paying full freight on your business income. Every dollar earned gets taxed at 25-50%+.
HCP Solution:Route your income through our platform structure. Receive it as non-taxable loan advances instead of taxable business income.
Significantly reduce your tax burden
Currently: Retained Earnings Trapped
You have cash sitting in your corporation, but extracting it means getting hit with 30-50% dividend or salary taxes.
HCP Solution:Extract retained earnings through platform structures tax-efficiently. Access your own money without the massive tax hit.
Get your cash out without 30-50% tax
After 5% platform fee. Traditional income tax would leave you with 50-75% of your income (25-50% lost to taxes). Annual amounts shown.
Yes. The structure characterizes income flows as non-taxable loan advances using legal mechanisms in the Income Tax Act. You have the legal right to arrange your affairs to minimize taxes—Canadian courts have said this repeatedly. We use proper legal structures with real corporations and real documentation.
The distinction is critical: We're not helping you hide income or make false claims (which would be evasion). We're creating legal structures that characterize income differently (which is lawful tax planning). While the structure is legal, CRA may challenge aggressive tax planning—this is why we contractually assume that risk.
This is why you pay the 5% fee: we bear the financial risk, not you. If CRA challenges and reassesses, our platform corporations are contractually liable for any taxes, penalties, and interest—not you personally. This is what risk transfer means.
Setup Fee: $1,250 one-time (covers incorporation, registration, legal setup, account configuration)
Ongoing Fee: 5% of your gross income. On $100K, that's $5,000/year instead of paying ~$25,000-$50,000 in taxes. Net benefit: $20,000-$40,000 more in your pocket annually.
The 5% fee covers ongoing maintenance, documentation, filings, handling any CRA audits of the hosted corporations, and—most importantly—bearing the CRA risk for the corporate structures. You save dramatically while we handle everything and assume all compliance liability.
Note: If you are personally audited by CRA (which is rare and typically unrelated to your AltFlow arrangement), we offer separate audit representation services for a fee to help you navigate that process.
Canadian residents earning $100K+ who understand that CRA might challenge aggressive tax planning and want to transfer that risk to us. Works for employees (who convert to contractors), existing self-employed, and business owners extracting retained earnings.
Absolutely. Tax minimization is not only legal—it's a right affirmed repeatedly by Canadian courts, including the Supreme Court. The landmark Duke of Westminster principle established that every person is entitled to arrange their affairs to minimize tax liability. You're not obligated to pay more tax than legally required.
The distinction is simple: tax evasion (hiding income, false claims) is illegal. Tax minimization (using legal structures to reduce liability) is your right. Learn More About the Legal Foundation →
Request the private overview below. You'll get the complete explanation of how the platform works, detailed ROI calculations, legal justification, case studies, implementation timeline, and full pricing. Everything you need to make an informed decision.
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Learn how our platform converts taxable income to non-taxable loan advances. See how it works, implementation steps, and pricing details.
Learn About PlatformDiscuss your specific situation with our team. Perfect for complex scenarios, CRA audits, corporate restructuring, or custom solutions.
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