Multi-Entity CPA / Controller — Financial Cleanup & Lender

I own six affiliated companies — a freight brokerage, an asset-based motor carrier, a warehouse/final-mile operation, a regional delivery company, a direct-to-consumer e-commerce brand with imported inventory, and an equipment-holding LLC. Combined revenue is north of $20M across 4 states. I am under contract on an $18.75M industrial building purchase with an SBA-plus-conventional financing structure, and I’m in active underwriting right now. My bank needs clean, defensible, tie-out-ready financials. Reviewed by CPA and get ready to generate a draft to file 2025 taxes since Iam on extension for 2025 tax year. I've been building them myself out of bank statements and TMS exports, and I need a professional to take it the rest of the way — fast. This is financial statement construction, reconciliation, and lender package assembly. + income tax draft. What I Already Have This is not a from-scratch project. Substantial work is done: • Complete bank statements (Jan 2025 – July 31st, 2026) for all major operating accounts • Full-year credit card exports with per-transaction entity attribution • TMS invoice exports (client billings and carrier costs), deduped to shipment level, CY2025 and YTD 2026 • QuickBooks P&L and balance sheet for the 1 carrier entity, FY2025 and YTD 2026 • Prior-year filed corporate returns • Amortization schedules and payoff quotes from three equipment lenders • Draft accrual freight P&L and a partial cash-vs-accrual bridge You are cleaning up, validating, formalizing, and finishing — not starting over. Deliverables 1. Standalone and consolidated financial statements FY2025 and YTD 2026, per entity and consolidated, with proper intercompany eliminations. Cash basis and accrual, with a documented bridge between them. 2. Intercompany reconciliation schedule One entity functions as the group's treasury hub and pays most of the bills. Advances, paid-on-behalf costs, netting arrangements, and shareholder movements need to be untangled, documented, and either booked or written off with a stated rationale. Several balance-sheet items are known to be stale. 3. EBITDAR and add-back schedule Lender-facing, with source documentation behind every line: rent add-back, depreciation, interest, discontinued non-recurring costs, owner-discretionary items. Must survive an underwriter's questions. 4. Consolidated debt schedule Ten equipment notes across three lenders, plus card and factoring balances. Balances, monthly service, interest/principal split, maturity dates, collateral tie-out. 5. Working capital schedule AR aging, AP, inventory at landed cost, and a documented customs duty receivable. 6. Clean trial balances in QuickBooks Online Standardized chart of accounts across entities, delivered so my tax CPA is reviewing rather than reconstructing. 7. Assembled lender package Everything above in a single indexed workbook plus PDF set, formatted for bank and SBA submission. Milestones You Must Have • CPA, CMA, or equivalent, or 7+ years as a Controller with demonstrable multi-entity work • Multi-entity consolidation and intercompany eliminations — hands-on, not theoretical. Non-negotiable. • Advanced QuickBooks Online • Expert Excel — you will be working with 5,000+ transaction files, pivots, reconciliations, and building a model an underwriter will pick apart • Experience preparing financials for commercial lenders or SBA financing • Availability to start ASAP • Strongly preferred: transportation, freight brokerage, trucking, or 3PL experience; TMS billing/settlement familiarity; e-commerce accounting (Amazon settlements, landed cost, import duties); invoice factoring. Please Do Not Apply If • You are a bookkeeping agency that will hand this to a junior • You have never consolidated affiliated entities • You cannot start within a week • Your proposal is a generic template — I will be able to tell Confidentiality You will be handling bank statements, tax returns, and personal financial information. An NDA is required before any documents are shared. All work stays within the Upwork contract; no subcontracting without written approval. To Apply Answer these three questions. Proposals without answers are ignored. 1. Describe a specific multi-entity engagement you handled where intercompany accounts were unreconciled. What was the structure, what did you find, and how did you resolve it? 2. One entity in my group pays nearly all the bills for the others and has never been reimbursed. Walk me through how you'd decide whether those are receivables, capital contributions, or expenses — and what documentation you'd want. 3. What's your realistic would you need from me on day one to hit it? Include your fixed-price quote for full scope, or your hourly rate with an estimated hour range.