Orbit Accountants uses Tabit’s B2B pay-later option to remove upfront-payment friction and help clients start sooner

Founded in 2023 and headquartered in Toronto, Ontario, Orbit Accountants supports small businesses with bookkeeping, payroll, tax, and fractional CFO services across Canada and the U.S. In a short time, Orbit has been described as one of Toronto’s fastest-growing firms, built around a simple goal: give business owners clarity in their numbers and confidence in their next move.

For many SMBs, cash flow isn’t a constant, it’s a cycle. Receivables don’t always land when you need them, and working capital can tighten quickly. The challenge is that compliance work doesn’t wait for the “right week.” Month-end cleanup, payroll setup, HST filings, and year-end prep often arrive when cash is already spoken for.

Orbit sees this every day. While clients understand the importance of staying current, timing can turn an urgent need into a delayed decision. Sophie Dillon, CPA, CA, Co-founder of Orbit Accountants, explains:

“We often needed compliance work done urgently, but our clients’ cash was tied up elsewhere, like waiting on receivables, covering payroll, or funding growth. With limited short-term flexibility, upfront payments became a barrier. That frequently delayed essential bookkeeping, payroll, and tax work when timing mattered most.”

The Challenge

Before Tabit, Orbit often found itself in a familiar conversation: the work needed to start now, but the payment structure made it hard to say yes. When cash was tied up in payroll, inventory, or marketing spend, an upfront invoice—no matter how necessary—could feel like too much at once.

The cost of waiting can ripple. Delayed bookkeeping and tax work may mean missed deadlines, penalties, or lender delays when financials aren’t ready. For growing businesses, it can also mean slower financing conversations and decisions pushed down the road simply because the numbers aren’t current.

Orbit wanted a way to keep critical work moving—without asking clients to reshuffle cash at the worst possible time.

The Solution

Orbit introduced Tabit’s B2B Buy Now, Pay Later solution to give clients a simple alternative: start the work now and pay over time. Clients can split the cost into weekly payments, while Orbit receives payment the next business day after approval—keeping delivery predictable and removing collection friction for the firm.

Dillon describes why the fit mattered:

“Tabit was the right fit because it’s fast and low-friction: clients can get quick decisions and pay weekly, and we still receive funding the next business day without taking on credit risk.”

Just as importantly, it changed the tone of the client journey. Instead of pausing a project until cash freed up, clients could choose a weekly repayment plan that aligned with their real cash cycle.

“Before Tabit, we’d hear ‘let’s do this later’ because the upfront cost felt like too much during tight cash weeks. Now the conversation shifts to ‘let’s start now,’ because clients can spread payments weekly while the work stays on schedule.”

The Results

Since offering Tabit, Orbit has seen the impact where it matters most: speed to kickoff. Projects that once stalled at the decision stage now move forward when timing is critical—without forcing clients to choose between compliance work and day-to-day operations.

Faster project start: Clients can move ahead with bookkeeping, payroll, and tax work without waiting for receivables to clear.
Smoother client experience: Weekly payments reduce friction at the moment of commitment, so work stays on schedule.
More predictable delivery: Orbit can begin work sooner and keep momentum across time-sensitive engagements.

And the difference shows up in real client scenarios. As Dillon explains, “The biggest impact is speed to kickoff. The projects don’t stall while clients figure out cash flow. With weekly repayment options and next-business-day funding to Orbit, we’re seeing fewer delays and a smoother client experience.” In one anonymized example, an e-commerce business needed urgent bookkeeping cleanup ahead of year-end reporting—but cash was locked in inventory and advertising spend. With Tabit’s weekly payments, they were able to move forward without pulling cash away from growth activities.

Looking Ahead

Orbit sees payment flexibility becoming a standard part of how it scopes and launches time-sensitive work. When clients can align payments with their cash cycle, they’re more likely to start on time—and stay compliant without compromising liquidity.

Dillon says, “Over the next 6–12 months, we see Tabit becoming a standard part of how we scope and launch work, especially for catch-up bookkeeping, payroll, tax compliance, and fractional Chief Financial Officer engagements so clients can stay compliant and move faster without cash-flow pressure slowing decisions.”

With Tabit, Orbit is helping clients replace “maybe later” with “let’s start now”—keeping compliance on track and freeing businesses to focus on growth.