Condo financial management, done right
M&M Condo Suite is the financial operating system built specifically for Ontario condominium corporations — owner dues, vendor payments, bank reconciliation, and board-ready statements, all in one system, run by people who've actually done the work.
The problem
PAD mandates, special assessments split across installments, and per-owner arrears tracked by hand across spreadsheets that don't talk to the bank.
A generic accounting tool doesn't know what a Property Manager is allowed to approve alone, or when a Board Director's sign-off is legally required.
Matching bank statements to owner payments and vendor bills by hand, every month, for every fund, for every corporation you manage.
The platform
Not a generic ledger with condo terminology bolted on — built around how dues, vendor payments, and board approvals really flow in an Ontario condominium corporation.
Recurring PAD collection, one-time or split-installment special assessments, per-owner arrears, and NSF chargebacks handled without breaking the ledger.
Intake, HST, tranched contractor disbursements, and a real request-then-confirm approval trail — nothing pays itself without a human sign-off.
Upload a statement — PDF, scanned image, or CSV — and match it against owner payments and vendor bills with a real 3-way check, fund by fund.
Monthly financial packages and budget-to-actual variance, generated straight from the same ledger — not a re-typed summary.
Limited PM, Full PM, and Board Director approval tiers with a real per-property ceiling — above it, nothing moves until enough directors sign off.
Manage every condo corporation in your portfolio from one system, each with its own fiscal year, banking, and team — never mixed together.
Draw up and approve next year's operating budget directly from the current year's real numbers, per property — not a spreadsheet started from scratch.
Owner dues, arrears, and special assessments generate actual invoices automatically — the same figures the ledger already has, never re-entered by hand.
Statements, reconciliations, and supporting detail for an auditor or AGM, generated directly from the ledger — not assembled by hand each time.
Built for the Condominium Act
Cash flow reconciliation and financial statements shaped around what the Condominium Act actually requires a corporation to produce.
Ontario's Condominium Act sets a minimum reserve fund contribution of 10% of the budgeted common-expense contributions until a corporation completes its first reserve fund study and implements its plan — tracked automatically here, not left for a bookkeeper to catch.
Ontario condos don't all run January–December. Every budget, YTD figure, and arrears calculation follows each corporation's own declared fiscal year.
Why this exists
"We kept hitting the same wall managing condo books by hand — so we built the system we actually needed, then made it something every corporation could use."M&M Financial Services Inc. · Ontario
Who it's for
See exactly where dues, reserve funds, and vendor spend stand — and approve what actually requires your sign-off, nothing more.
Run every corporation in your portfolio from one system, with the approval limits and reporting each board already expects from you.
Stop reconciling bank statements by hand across a dozen spreadsheets — collect, pay, and close the month from one ledger per property.
No property management company in the loop — your board and bookkeeper get the same dues collection, vendor payments, and reconciliation tools a managed corporation runs on, without paying for one.
Contact
Whether you're a board looking for a better system, a property management company ready to modernize, or a payments partner exploring integration, contact our team directly using the details below.
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