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A poor valuation doesn’t just cost you thousands—it can cost you millions $$$, along with wasted time and stress. I help searchers, private equity groups, and business owners value private small to midsize businesses for investment, partner buyouts, tax, and litigation purposes. Unlike many finance freelancers on Upwork, I’ve personally invested in, operated, bought & sold, made and lost money on private acquisitions and investments. That real-world risk taught me the stakes of an inaccurate valuation. For the past 15 years, I’ve analyzed thousands of startups and small- and mid-sized businesses and have become certified across multiple SME appraisal and finance bodies. I am certified by the National Association of Certified Valuators and Analysts (NACVA) and the International Society of Business Appraisers (ISBA). I follow a structured process that documents every step, explains conclusions, and ensures credibility. Services Include: 🤝 Partner Buyouts - deliver certified, accurate and defensible valuations when an owner is considering selling to a business partner or related party. 📑 Business Acquisition Investment Review & LBO Analysis – get value of a private business you are considering acquiring or investing in. 🧾 Tax & Estate Valuation – independent certified business valuations for estate and gift tax reporting as required by the IRS. ⚖️ Litigation Valuation – lost profits and economic damage reports based on court-tested techniques that deliver accurate estimates of SME private business value. 🚀 Startup & Venture Capital Valuation – get an accurate and defensible pre-money value for your startup or investment. 📈 Strategic Planning – provides owners, leadership teams, and investors with a clear view of business value to guide growth strategies. 🚚 Equipment Valuation – Certified desktop appraisals for machinery, vehicles, and other equipment assets. 🧮 Quality of Earnings - assess the quality of reported EBITDA adjustments and discretionary earnings of the business 💵 Proof of Cash – our best defender against fraud and manipulation of financial statements 🔄 Working Capital – create accurate estimates for operating working capital needs and target PEG for negotiations. 💼 Acquisition CFO – support from post-acquisition accounting integration and cash flow forecasting. Why Work With Me: ✔️ Authoritative knowledge: thousands of businesses analyzed ✔️ Certified across multiple Institutes (CVA®, BCA®, CMEA®, FMVA®, and more) ✔️ Proven structured process that documents every step for credibility ✔️ Deliver fast turnaround (24–48 hours) when deadlines are tight ✔️ Top Rated on Upwork with 100% job satisfaction rating What Upwork Clients Say: 💬 “Josh is exceptional at what he does and provided the exact skills I needed for a potential business acquisition. Accountants might be able to review financials, but Josh knows exactly what to look for. 💬 "Josh is hands down one of the best consultants I’ve worked with on up work. He is perhaps the most professional person I’ve worked with, as well as the most talented business valuation expert I’ve ever worked with." 💬"Working with Josh has been one of the best decisions we've made. We're happy to recommend him to anyone looking to understand the value of their company." About Me: I’m Josh and 15 years ago when I got out of the military I wanted to buy a business. When I got the numbers from the business I wanted to buy, despite having a degree in finance, I could not come up with how they put the numbers together. I outsourced the analysis to different financial professionals but got conflicting information on the business’s value. The pressure mounted as I was about to put up a significant amount of my net worth, and I could not sleep. From that moment, I vowed to never be put in this position again and have been on a quest to know how these companies are valued. This past decade I’ve analyzed thousands of these businesses along with gaining multiple business appraisal institute certifications. To go along with my degrees and certifications, I have read over 400 books on private business valuation and transaction analysis. My credentials include: ✸ Certified Valuation Analyst (CVA)® ✸ Business Certified Appraiser (BCA)® ✸ Certified Machinery & Equipment Appraiser (CMEA)® ✸ Financial Modeling and Valuation Analyst (FMVA)® ✸ Professional Bookkeeper (PB)® ✸ QuickBooks Specialist (QS)® ✸ Profit and Growth Expert (PGE)® ✸ Certified Turnaround Analyst (CTA)® ✸ Accredited Small Business Consultant (ASBC)® ✸ M.S. in Applied Economics (MSAE) – Johns Hopkins University ✸ M.S. in Finance (MSF) – George Washington University ✸ B.B.A. in Finance—Radford University ✸ Certificate in Forecasting in Organizations—Johns Hopkins University ✸ Certificate in Real Estate Finance and Investment—New York University I’m new to Upwork and offering introductory pricing to build client relationships here. I offer a free consultation, so send me a message.

Hello, Welcome to my profile. I am an ACCA Member, Accountant, and Financial Analyst with 5+ years of experience in Financial Modeling, FP&A, Valuation, Investment Banking, Corporate Finance, and QuickBooks Bookkeeping. My background includes 3+ years at PwC and FMVA Certification from the Corporate Finance Institute (CFI). I help businesses, investors, startups, and private equity firms make confident, data-driven decisions through institutional-grade financial analysis, while also providing reliable QuickBooks Bookkeeping and accounting support. Whether you need a Three-Statement Model, DCF Valuation, LBO Model, Real Estate Financial Model, FP&A support, or a professional Bookkeeper to manage your financial records, I deliver clean, audit-ready outputs built to institutional standards. ### What I Offer ✅ Financial Modeling – Three-Statement Models, budgeting, forecasting, scenario analysis, and cash flow modeling ✅ FP&A Support – Rolling forecasts, KPI dashboards, management reporting, and variance analysis ✅ Investment Banking & Private Equity Analysis – DCF Valuation, Comparable Company Analysis, LBO Models, investment memos, and deal analysis ✅ Startup Financial Modeling – Investor-ready models, fundraising support, and growth planning ✅ Real Estate Financial Modeling – Acquisition underwriting, development models, and portfolio analysis ✅ QuickBooks Bookkeeping – Bank reconciliations, chart of accounts setup, transaction categorization, month-end close, financial reporting, and ongoing bookkeeping support ### Industries I Have Worked With ✅ Real Estate & Property Development ✅ SaaS & Technology ✅ E-commerce & Retail ✅ Manufacturing & Industrial Businesses ✅ Healthcare & Medical Services ✅ Financial Services & FinTech ✅ Construction & Infrastructure ✅ Hospitality & Tourism ✅ Professional Services Firms ✅ Logistics & Transportation ✅ Renewable Energy & Utilities ✅ Consumer Products & Distribution ### Why Clients Hire Me ✅ ACCA Member, Accountant, and Financial Analyst with Big 4 (PwC) experience ✅ FMVA Certified Financial Modeling & Valuation Professional ✅ Strong background in Financial Modeling, FP&A, Investment Banking, Private Equity, and QuickBooks Bookkeeping ✅ Experience building investor-grade DCF, LBO, and Three-Statement Models ✅ Professional Bookkeeper with experience maintaining accurate financial records and management reports ✅ Trusted by founders, CFOs, investors, and private equity professionals ✅ Clean, well-structured deliverables, fast turnaround, and clear communication If you are looking for a Financial Analyst, Accountant, or Bookkeeper who can provide both strategic financial insights and dependable QuickBooks Bookkeeping services, let's connect to discuss your project.

I build financial intelligence systems for operations-heavy companies that have outgrown their spreadsheets. My clients typically come to me after they've hired a finance team, bought the BI tool, and still spend 3 days a month manually assembling reports that should take 3 hours. Recent engagements: - Financial Intelligence Platform — $250M public school district. 12-tab executive command center replacing what used to take 3 analysts a full week every month. Now runs in under an hour. - Pricing & Margin System — commercial bakery scaling to wholesale. Density-aware recipe costing across mixed units, catching an error pattern that had been undercosting core ingredients by 100x. Rebuilt the entire batch pricing engine and packaging math in 48 hours. - Automated Reporting Pipeline — 90% reduction in manual data prep. 48,000 rows processed, 6,800 issues auto-resolved on first pass. - Revenue Operations at scale — 5 years building forecasting and payments infrastructure at a platform serving millions of users. Payments operation cleared $300K+ in daily profit at peak. Who I work best with: - Finance and operations leaders at $5M-$100M companies where reporting quality directly affects decisions - Founders scaling past the "spreadsheet as source of truth" phase and needing real infrastructure - CFOs and controllers inheriting reporting systems that need a rebuild without breaking what's working My stack: Excel, Google Sheets, Python, Apps Script, and AI-augmented reporting pipelines that generate real commentary on real numbers, not filler text. How engagements work: - Diagnostic engagement (2 weeks, $3,500) — I map your current reporting stack, identify the top 3 friction points, and deliver a prioritized remediation plan. Most clients use this as the on-ramp to a larger rebuild. - Focused rebuild (4-6 weeks, $8,500-$15,000) — I rebuild a specific reporting surface end-to-end. Board deck automation, monthly close package, variance analysis system, FP&A forecasting model. - Financial Intelligence System — Focused Build (6-10 weeks, $15,000-$35,000) — full rebuild of a reporting workflow with handoff documentation and team training. For smaller or exploratory work, hourly engagements are available at $95/hr. Currently: Manager of Financial Operations at a $250M public entity, with five years prior scaling financial data infrastructure at a platform serving millions. I work with two to three external clients at a time. If your team is losing hours a week to manual reporting, or your monthly close is eating days that should be hours, that's the problem I solve.

Hello, Dhawaj is a certified Financial Modeling and Valuation Analyst (FMVA®) and MBA (Finance) with over 4 years of specialized experience in business valuations, financial modeling, analysis, including my tenure at a one of top accounting firms, i.e. BDO USA P.C. I’ve worked majorly on valuing early stage private companies across a variety of industries (Healthcare, Information Technology, and more), to deliver high-quality, insight-driven financial analyses for tax and financial reporting purposes. 🎯 Why Choose Me? ⭐ TOP Rated Badge | 100% Job Success = Proven reliability 📊 MBA (Finance) & FMVA® = Precision in financial/business content 📖 Pursuing FP&A™ by CFI - Upskilling, learning continuously 🌐 Fluent English = Clear, high-quality communication 🤝 Client’s Person = Always available to address questions, provide updates, and ensure smooth collaboration throughout the project, multiple 5 Star feedbacks. ⏱️ On-time Delivery = Respect for deadlines without compromise on quality 🔍 My core strengths include: ✅ Preparing Investor grade and defensible Start-Up | Real Estate | SaaS company valuations, ✅ Building robust Three-Statement Financial Models: Profit and Loss (P&L), Balance Sheet (BS), Cash Flow Statement (CFS), Sensitivity & Scenario analysis; ✅ Revenue Modeling, Cost Modeling, Operational Modeling, Cash flow Modeling and 3 Year or 5 Year Monthly or Annual Financial Projections / Forecasts for your Business; ✅ Conducting business valuations using Discounted Cash Flow (DCF), Comparable Company Analysis, M&A Deals / Precedent Transactions, Market Multiples, Weighted Average Cost of Capital (WACC) and more; ✅ Experience in performing IRC 409A and ASC 820 valuations, strong grasp of waterfall modeling, Black-Scholes Option Pricing Model, & OPM Back-solve; ✅ Hands-on with S&P Capital IQ for extracting Historical Stock Price Data, Company Data, Financials and transaction research for M&A advisory, and due diligence support, Comps & Deals; Trading Comps & Precedent Transactions Multiples, PE/VC Search; ✅ Personal finance tracking models for individuals and small business owners; ✅ Capital budgeting expertise, including NPV, IRR, Payback Period, and sensitivity analysis for investment decision-making; ✅ Creating Cap / Capitalization tables, and pro forma statements; ✅ Performing Quality Checks (QCs) to your financial models and reports for a detailed review / add-on perspective; ✅ Design and create visually compelling pitch decks and presentations tailored for companies, investors, or multi-purpose business needs, using both PowerPoint and Canva. 💬 Let’s connect and explore how I can bring value to your next finance project. Thanks, Dhawaj Bansal, MBA, FMVA®

Seamless Finance & Accounting Support – Powered by a Husband-Wife Duo NOT AN AGENCY. We are a husband-wife duo with over 20 years of combined experience in Accounting, Finance, Audit, and Banking. After more than a decade EACH in full-time corporate roles across leading Indian sectors, we transitioned into freelancing in 2021 to offer our clients a well-rounded and highly collaborative service in the financial domain. We're not an agency, just two professionals working in perfect sync to deliver high-quality, reliable, and personalized support. Who We Are Her Expertise - Chartered Accountant, India (equivalent to CPA/ACCA) - Handles Bookkeeping, Reconciliations & Financial Statements - Proficient in Xero, QuickBooks Online (QBO), MYOB, and SAGE - Strong eye for detail, compliance, and accuracy His Expertise - CFA (ICFA), MBA in Banking & Finance, CFA US Level 3 Candidate - Specializes in Financial Modelling, Equity Research, Valuation, Pitch Decks, Presentations, and Corporate Finance - Brings strategic insights and analytical depth Our Full-Time Background We’ve worked with top-tier institutions and sectors in the Indian market: - Banking: India’s largest public sector bank - Beverage Industry: Finance for a fast-growing domestic alcohol company - Credit Ratings: India’s leading external credit rating agency Why Work With Us? - Two sets of complementary skills in one seamless package - Strong communication and coordination - Holistic financial solutions from bookkeeping to boardroom-ready presentations - Long-term mindset, with a focus on building trust and delivering real value Feel free to check out our LinkedIn profiles to learn more. We’re always open to interviews and look forward to working with you!

Profile * Certified Valuation Analyst (CVA), certified with the National Association of Certified Valuation Analysts (NACVA) since September of 2014. * I write well-written, accurate and thorough business valuation reports for gift tax, estate, mergers & acquisitions, divorce and other scenarios. I have experience with complex international/multi-jurisdictional valuations as well as relatively simple "what's my small business worth" engagements. * Much of my work -- gift tax, estate, charitable contributions of a business, etc. -- has been reviewed by the IRS and my work has yet to be challenged even once by the agency. * Expert witness on matters pertaining to business valuation (divorce, partnership disputes, etc.), IP valuation, IP infringement, business damages/lost profits, etc. * Past clients include Westinghouse, Honeywell and Alpine Global Partners. * Aside from U.S. clients, I have served clients in many other countries, including Mexico, Canada, Japan, France, Belgium, and Nigeria. * Bestselling author of The Einstein of Money (biography of the life and methods of value investing pioneer Benjamin Graham, for which I interviewed Warren Buffett and other renowned value investors), A Brief History of Entrepreneurship (endorsed by business guru Brian Tracy), and co-author of From Lifeguard to Sun King, the biography of the founder of the Banana Boat sun care brand.