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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 entrepreneurs, 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 start up, 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.

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.

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® Founder - Dhan Advisors

From clean books to confident business decisions—I handle your entire financial picture. I'm Haftey Belay, a CFMVA and certified QuickBooks ProAdvisor with 5+ years of experience helping businesses master their finances. Whether you need precise daily bookkeeping or sophisticated financial models for growth, I deliver accuracy, insight, and strategic clarity. Most financial experts specialize in one area. I offer both—so you don't have to choose between clean records and smart strategies. Strategic Financial Services ★ Financial Modeling ★ Business Valuation ★ Investment Analysis ★ KPI Dashboards Bookkeeping Services ★ Full-Cycle Bookkeeping ★ Tax-Ready Financials ★ Monthly Reporting ★ Software Expertise My Technical Toolkit: ★ Strategic Modeling ★ Data Visualization ★ Accounting & ERP ★ Valuation Methods Who I Work With: ★ Startups & Founders ★ Small to Mid-Sized Businesses ★ Investors & PE Firms ★ CFOs & Finance Teams Why Work With Me? ★ Dual Expertise: CFA + QuickBooks ProAdvisor ★ 7+ Years Experience: Proven track record across industries ★ End-to-End Support: From daily transaction entry to high-stakes valuation projects ★ Clear Communication: I translate complex numbers into actionable insights Let's Talk Whether you need your books cleaned up or a sophisticated financial model for your next funding round, I'm here to help. ★ Send me an invitation and let's discuss how I can support your financial goals.

I am a seasoned financial professional with over 10 years of experience in equity research, investment analysis, and operational management. As the Co-Founder and Chief Operating Officer at a leading AI startup, I leverage my expertise to create strategic pathways for business growth. My background spans high-pressure environments where I have honed my analytical skills as an Investment Analyst and Senior Associate, delivering actionable insights and driving performance improvements. I thrive on transforming complex data into clear, impactful strategies that enhance profitability and efficiency. If you need a results-oriented partner who understands the nuances of finance and operations, I am ready to help turn your vision into reality. Let's discuss how my skills can contribute to your project.

𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀 & 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗠𝗼𝗱𝗲𝗹𝗶𝗻𝗴 𝗲𝘅𝗽𝗲𝗿𝘁 helping startups and businesses make data-driven decisions through Excel-based financial models, bookkeeping, financial projections, business plans, and market research that investors and founders trust. Hi, I’m 𝗦𝗵𝗮𝗺𝗶𝘁𝗵, a 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗔𝗻𝗮𝗹𝘆𝘀𝘁 𝗮𝗻𝗱 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗠𝗼𝗱𝗲𝗹𝗶𝗻𝗴 𝗦𝗽𝗲𝗰𝗶𝗮𝗹𝗶𝘀𝘁 with strong expertise in Microsoft Excel, financial analysis, bookkeeping, and business planning, helping startups, SMEs, and growing businesses turn numbers into clear business decisions. I support clients who need accurate financial data, structured models, and professional financial writing—not just spreadsheets, but insights that drive action. 𝗜 𝗱𝗼𝗻’𝘁 𝗷𝘂𝘀𝘁 𝗰𝗿𝘂𝗻𝗰𝗵 𝗻𝘂𝗺𝗯𝗲𝗿𝘀—I turn financial data into business decisions. I help startups, SMEs, and growing businesses plan, forecast, and optimize their finances using Excel-based financial models, projections, and analysis that investors and founders trust. 𝗜 𝗳𝗼𝗰𝘂𝘀 𝗼𝗻 𝘄𝗵𝗮𝘁 𝗿𝗲𝗮𝗹𝗹𝘆 𝗺𝗮𝘁𝘁𝗲𝗿𝘀: clarity, accuracy, and actionable insights. My work goes beyond spreadsheets—I create financial structures, business plans, and reports that guide growth, attract investors, and make complex numbers easy to understand. ✅ 𝗪𝗵𝗮𝘁 𝗜 𝗖𝗮𝗻 𝗛𝗲𝗹𝗽 𝗬𝗼𝘂 𝗪𝗶𝘁𝗵 ✅ Financial Analysis – performance analysis, ratio analysis, trend analysis ✅ Financial Modeling – Excel models, forecasting, scenario & sensitivity analysis ✅ Financial Projections – revenue, cost, cash flow & profitability forecasts ✅ Bookkeeping & Data Entry – clean, structured, and audit-ready financial data ✅ Business Plans – investor-ready business plans with financial models ✅ Business Analysis & Market Research – data-driven insights for decision-making ✅ Data Analysis & Data Visualization – clear dashboards and reports in Excel ✅ Startup Consulting – financial structure, planning, and growth support ✅ Financial & Content Writing – professional financial reports and explanations 🛠 𝐓𝐨𝐨𝐥𝐬 𝐈 𝐔𝐬𝐞: ✔ Microsoft Excel (advanced formulas, models, dashboards) ✔ Financial Modeling & Financial Projection ✔ Financial Analysis & Business Analysis ✔ Accounting & Bookkeeping ✔ Data Analysis, Data Entry & Data Visualization 𝐒𝐤𝐢𝐥𝐥𝐬 𝐚𝐧𝐝 𝐄𝐱𝐩𝐞𝐫𝐭: ✔ Financial Analysis and Modeling ✔ Budgeting and Forecasting ✔ Investment Management ✔ Cash Flow Optimization ✔ Risk Management ✔ Financial Reporting ✔ Budgeting & Cost Control ✔ Financial Reporting & Analysis ✔ Financial modeling ✔ Investment analysis ✔ Financial Reporting ✔ Investment Manager ✔ Investment Analyst ✔ Investor Pitch Deck ✔ Financial Analysis & Valuation ✔ Microsoft Excel ✔ Fractional CFO ✔ Financial Modeler ✔ Business & Financial Analyst ✔ Financial Management/CFO ✔ CFO Financial Modeler ✔ CFO Financial Analyst ✔ Valuation Expert ✔ Accounting & Taxation ✔ Financial model ✔ Financial Planning ✔ Fundraising ✔ CMA | CFA candidate ✔ Business Valuation and Forecasting ✔ Private Equity ✔ Business plan & Deck ✔ Market Research ✔ Company Valuation ✔ Tax Preparation 🎯 Why Clients Choose Me Clear, structured, and easy-to-understand financial outputs Strong focus on accuracy, logic, and business relevance SEO-optimized, professional financial documentation Reliable communication and on-time delivery If you’re looking for a detail-oriented financial professional who understands both numbers and business context, let’s discuss how I can support your project. 📩 Message me to get started.