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Business Incubation and Growth Strategist | 20+ Years Helping Founders Build, Scale and Optimise Real Businesses with AI Systems I help founders turn ideas into working businesses and help existing businesses become stronger, more profitable, and better structured. I have been building and incubating businesses for over 20 years across sectors including: retail, property development, technology and SaaS, events and media, renewable energy, finance and investment, education and eLearning, social media platforms, travel and automotive. I am currently Strategic Director at an international eLearning and business incubation company and have worked as CEO, Director, and Senior Strategy Lead in multiple ventures across South Africa, the UK, and the USA. What makes me different I am not a motivational business coach. I work inside your business like a senior partner and help you design: strategy, structure, financial logic, market positioning, and execution plans. My background blends: business strategy, psychology and human behaviour, marketing and sales, systems thinking, investment documentation, and product development. In addition, I help businesses practically integrate AI into their daily operations, not as hype but as a tool for productivity, clarity, and better decision making. This includes: evaluating where AI will actually help your business, identifying the right tools such as ChatGPT, Gemini, Claude and automation platforms, designing AI assisted workflows, helping teams adopt and use AI properly, reducing wasted effort and manual work, and improving marketing, planning, research, and internal processes. I do not sell AI strategy decks. I help you use AI in real business contexts. What I have built and supported This includes: business plans used for funding and growth, go to market strategies, incubation frameworks, sales and marketing systems, pitch decks and investor documents, operational models, digital products and platforms, and AI supported business workflows. Industries I have worked in These include: retail, property, renewable energy, mining mergers and acquisitions, fintech, education, entertainment, travel, digital platforms, and social media applications. How I typically help clients I work in practical modules or full incubation: Strategy and Incubation: business model design, concept and IP structuring, market positioning, negotiation and deal structuring, change management, and mentoring founders. Planning and Structure: business plans, growth strategies, pitch decks, financial models, organisational design, and trust and IP structuring. Production and Product: product design, service design, quality assurance and implementation, systems and workflows. Marketing and Sales: go to market strategy, branding and positioning, launch strategy, sales action plans, and team sourcing. Finance and Capital: sustainable finance models, revenue logic, investment readiness, capital raising pathways, and preparation for VC, private equity, grants and bank funding. AI Business Optimisation: business process AI audits, AI tool selection and setup, AI workflow design, team training and adoption, marketing and research automation, and internal efficiency systems. My working style When I work with you, I: think like an owner, protect your downside, focus on execution not theory, challenge weak ideas, build systems that last, and help you use modern tools including AI in ways that actually make sense. Clients work with me when they want: senior level thinking, honest feedback, clear direction, better systems, smarter use of technology, and a business that actually works.

I am a Chartered Accountant (CA(SA)) registered with SAICA and a professional tax practitioner with over 15 years of experience helping business owners, SMEs, and established companies manage their accounting, tax compliance, and financial reporting requirements. I provide reliable outsourced accounting and finance solutions that allow business owners to focus on growing their businesses while remaining compliant and maintaining accurate financial records. My experience spans financial services, banking, lending, treasury, securitisation, corporate finance, retail and business banking, property development and investment, business funding, and financial consulting. I have also led finance teams, managed budgeting processes, and prepared financial statements in accordance with international reporting standards. I help clients: • Maintain accurate accounting records • Improve financial visibility and decision-making • Ensure tax and regulatory compliance • Streamline finance and reporting processes • Meet statutory deadlines with confidence Services I provide: ✓ Full bookkeeping services ✓ Monthly management accounts ✓ Annual financial statements ✓ VAT, PAYE, UIF and income tax returns ✓ Tax compliance and SARS submissions ✓ Payroll administration ✓ CIPC annual returns ✓ Outsourced accounting and finance function ✓ Business advisory and financial consulting ✓ Budgeting and cash flow management ✓ Business plans and funding support Software & Systems: • Sage (Sage X3, Pastel Accounting & Payroll, Sage Business Cloud Accounting) • Draftworx • CaseWare • SAP • Microsoft Excel (Advanced) • Microsoft Power BI • Great Plains • Finnivo Consolidation Suite • LoanIQ (MISYS) • Audit Software (ACL, AS II, STAR) Why clients work with me: • Chartered Accountant (CA(SA)) with 15+ years of experience • Strong technical accounting and tax expertise • Extensive financial services and corporate finance background • Detail-oriented, analytical and results-driven • Proven ability to manage multiple projects and deadlines • Clear communication and professional service delivery I work with both South African and international clients and understand the importance of accuracy, responsiveness, and delivering work on time. My goal is not only to ensure compliance but also to provide meaningful financial insights that help clients make better business decisions. If you are looking for a trusted accounting professional who can deliver accurate financial reporting, tax compliance, and practical business advice, I would be happy to assist.

243% engagement growth. $200K+ in funding supported. A 70-year firm repositioned nationally. These weren’t social media projects — they were structural business problems solved through strategy. I’m Carmen — a business consultant with 7+ years working with founders, organizational leaders, and scaling teams across the US, UK, and Australia. I work with businesses that are growing faster than their internal structure can support. My work spans three areas: BUILD — organizational design, operational structure, team systems LEAD — leadership development, culture, and internal communications GROW — marketing strategy, brand positioning, and growth systems I don’t manage content calendars. I build the strategy that makes every decision — hiring, expansion, marketing, positioning — intentional and executable. Who I work with: founders preparing to scale, service businesses entering new markets, clinics and healthcare practices, nonprofits and mission-driven organizations. What clients say: “Carmen’s work exceeds the expectations of the client. I was blown away by the clarity.” “A top-rate branding and marketing strategist. She took initiative and was full of enthusiasm.” If your business is ready to grow with structure behind it — let’s talk

Looking for insightful business or market research services tailored to your unique needs? You've found your partner in success. Driven by an incurable curiosity, I thrive on transforming unique concepts and innovative ideas into actionable business insights. My passion for learning is matched by my proficiency with numbers, enabling me to deliver research consulting services that blend robust analysis with creative strategy. My diverse experience spans various industries, with a particular focus on fintech. I've collaborated with companies at every stage – from fledgling startups to large corporates – allowing me to cross-pollinate ideas across sectors and forge unique, interdisciplinary strategies. I specialise in a comprehensive suite of services designed to elevate your business, including: - Business Planning: Transforming fledgling ideas into quantifiable, actionable strategies. - Strategy Development & Communication: Crafting and articulating robust business strategies, plans, and compelling pitch decks. - Business Analysis: Conducting thorough gap analyses and defining tailored solutions. - Solution Design & Implementation: Turning strategic plans into tangible results. To underpin these services, I harness a range of skills, which can also be availed as standalone services: - Market Research: Delivering comprehensive market analyses and sizing to understand your competitive landscape. - Primary Research: Utilising both quantitative (e.g., surveys) and qualitative (e.g., interviews) methodologies to gather essential insights. - Data Analysis & Reporting: Interpreting data to craft actionable insights and presenting them through intuitive dashboards and reports. Let's collaborate to turn your business visions into realities. Connect with me today, and let's pave the path to your success together. Industries (in order of experience): FinTech, Banking, Telecommunications, Manufacturing, FMCG

I have 20+ years working in the Engineering, Financial, and IT sectors. In that time I have fulfilled roles in Design, Project Management, and Operations Management. I am currently focusing on helping businesses define and realize their strategic objectives - this includes process review/design, app development, content articles, proposals, financial projections, pitch decks, etc. I have experience and expertise in the following: - start-up documents (business case, financials, pitch deck) - designing and implementing new business processes, including setting up Notion workspaces - rapid development of mobile apps for business/operations functions (using Appsheet) - auditing existing processes and recommending changes - managing projects (from small to complex) - preparing reports (Technical documents, Business Cases/Proposals, Financial documents) - interpreting complex data sets from multiple disparate sources and presenting information to users (both technical and non-technical) through visualizations and reports. Some of my skills: - Technical writing - Blog article writing - Mobile App development using AppSheet platform - Financial plans/projections - Data analysis/architecture/processing (SQL, Excel, Google Sheets) - Data presentation (Powerpoint, PowerBI, Google Data Studio) - Project Management (PMBOK, Prince2, Scrum) Qualifications: - BEng (Hons) - MSC - MBA

With me, you don’t just hire a service — you hire results. My focus is on delivering 100% accuracy, high-quality work, and always meeting deadlines. I’m sincere, dedicated, and fully committed to every task I take on. I believe in building strong working relationships through clear communication and professionalism, ensuring every client receives exceptional service. I’m an Accounting Expert with sharp attention to detail, a proven team player, and someone who consistently exceeds expectations. Alongside my accounting expertise, I’m also highly skilled in Microsoft Office and provide reliable administrative support that keeps projects running smoothly.