How AltFlow Works

There isn't one. You keep 95% of what you earn, and we take 5% as a loan origination fee to make it happen. When you win, we win.

Yes. 100% legal. Loans are not taxable income when they are bona fide, repayable debts. Under Canadian tax law, ITA s.9(1) taxes business profit, not loan proceeds, and our agreements ensure there’s no enforceable right to income until credits are actually applied. When you borrow money, that borrowed amount is not income, so it's not taxed. You only pay tax on actual income. AltFlow handles all the filings with CRA, makes sure everything is documented, and keeps you completely compliant. Nothing hidden, nothing shady. Want to see the detailed breakdown? Check out our Legal Foundation page which shows exactly how the entities and money flows work under tax law.

Just two things:

1. Do your work and get paid by clients (like you already do)
2. Transfer the 5% loan origination fee PLUS all collected HST/GST to AltFlow on time each month

That's it. Everything else (tax filings, CRA communications, HST/GST management, legal paperwork, loan tracking) AltFlow handles it all.

No. Any money AltFlow receives from clients is used to pay real business costs, things like legal, admin, compliance, and platform services within the AltFlow Systems™ network of partner providers. Because those expenses match the income, there’s nothing left to be taxed at the AFS Corp level.

GST/HST isn’t income, it’s just tax collected on behalf of the government. AltFlow looks after it through our central compliance system and handles any filings or payments when needed. Even if things are delayed or the corporation later changes hands, it’s always between CRA and the company, not you personally.

AltFlow takes care of it. We keep full records for every transaction and handle any CRA requests or notices directly. If there’s ever a delay or a question, AltFlow works with CRA through normal channels. Any issues stay with AltFlow, not you.

No. The AltFlow corporation you work through is owned and run by AltFlow, not you personally. Even if that company files late or misses something, you remain fully legal and compliant. AltFlow takes on all the responsibility and risk.

No. We know Canadian tax law inside and out. We know CRA policies, procedures, and how they operate. Everything AltFlow does is legal, we just know how to navigate the system and use the rules that already exist to your advantage. We don't hide money or falsify records. We use legitimate structures that the tax code allows, and we do it better than most because we specialize in it.

First, let's be clear: If CRA audits the hosted corporation itself, AltFlow handles that entirely. It's our responsibility, we manage it completely, and it has nothing to do with you.

But what if CRA audits you personally? In 99.9% of cases, a personal audit would have nothing to do with your arrangement through AltFlow. However, if you need support navigating a personal CRA audit for any reason, we offer professional audit representation services for a fee. We know CRA procedures and can handle the entire process on your behalf, from communications to documentation to resolution.

Book a consultation if you need personal audit support.

It can’t be called for cash. Your loan balance is always exactly matched by your credits (net of the 5% fee). By contract, repayment may occur only by applying those credits, no cash demand is permitted. If you pause work, the balances simply remain in place until future credits are applied.

No. Here's why: The AltFlow corporation receives your revenue. The AltFlow corporation lends money to you (or your corporation). At the same time, the AltFlow corporation owes you money in equal or greater measure. These two amounts offset each other perfectly. When they're balanced like this, nothing is "due"; they cancel out. If you stop working, the loan just sits there. It doesn't suddenly become due. You can pause, stop completely, or come back anytime. No penalty, no lawsuit, no stress.

No. It's not your corporation. AltFlow owns it. You don't file for it, you don't pay taxes on it. AltFlow handles all the corporate filings. You just borrowed money; zero corporate tax headache for you.

Simple. AltFlow can give you an official Income Verification Letter showing your average monthly and yearly earnings through the AltFlow platform. It confirms that you provide real services and receive regular payments from AltFlow Systems™ on behalf of your clients. Lenders accept this as proof of steady income, even though the money is advanced as loans within the AltFlow setup. For larger mortgage applications, we can also provide a signed Affidavit of Earnings Confirmation from AFS Corp. Optional, but it adds extra weight.

Simple: we give you full control back. AltFlow is designed so you can use it, pause it, or leave anytime without penalty. The only requirement while you're using the platform is following the procedure: transferring the 5% fee and collected HST/GST each month.

If you stop doing that, we'll assume you no longer want the liability protection, administrative handling, and tax benefits we provide. So we hand everything back to you: full control and responsibility for the corporation, and end the partnership.

Contractually, we have pre-signed transfer documents ready so the handoff is immediate and clean. No drama, no delays. You're free to manage it yourself or find another solution.

Yes, easily. You can invoice the AltFlow corporation for your services and take money as income if you want. They'll pay you like normal work, and you report it as income. No problem. You have flexibility in how you structure your money.

Initial Setup: $1,250 (one-time)

What's included:

• • Incorporation
• • Business name registration
• • Guided CRA and banking setup
• • Legal contracts
• • Loan documentation
• • Personal onboarding call

Ongoing: 5% origination fee per loan

Covers administration, filings, and CRA compliance management. No monthly or annual fees.

Three main groups benefit from AltFlow:

• • Self-Employed Professionals: Consultants, freelancers, contractors, specialists who invoice clients
• • Business Owners: Managing retained earnings, dividend planning, corporate tax optimization
• • High-Income Professionals: Doctors, lawyers, engineers, tech specialists with incorporated practices

Regular T4 employee? This structure doesn't apply to traditional employment. However, we can often help you restructure your work arrangements to qualify. Book a consultation and we'll explore what's possible for your situation.

You'll get the full agreement before you sign. It's straightforward, protects both sides, and has no hidden surprises. We'll walk through it with you and answer any questions. If you want to understand the legal and tax foundation first, check out our Legal Foundation page which breaks down how it all works under Canadian tax law.