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Financial modeling and valuation for founders who need investor-ready numbers. I build 3-statement models, financial projections, and pitch deck financials that survive due diligence — not spreadsheets that break the first time someone changes an assumption. Over the past 5 years I've built financial models for startups raising pre-seed through Series A, e-commerce and SaaS businesses that needed to understand their unit economics, agencies tracking cash against a pipeline, and real estate sponsors underwriting deals. Every model I deliver is fully linked, driver-based, and documented well enough that you can defend any number in it on a live investor call. WHAT I BUILD • 3-statement financial models — integrated P&L, balance sheet and cash flow, monthly detail with annual roll-ups • Startup fundraising models — pre-seed to Series A projections, cap table and SAFE/convertible note modeling, runway and burn analysis • Business valuation — DCF, comparable company and precedent transaction analysis with a defensible WACC build-up • Pitch deck financials — the financial slides investors actually interrogate, tied directly to the model behind them • SaaS & e-commerce unit economics — MRR, churn, cohorts, CAC, LTV, contribution margin by channel • Real estate & project finance — development pro formas, debt schedules, equity waterfalls, IRR and equity multiple • Scenario & sensitivity analysis — base, upside and downside cases on clean data tables, so you answer "what if" in the meeting instead of after it • Budgets, rolling forecasts & KPI dashboards — monthly reporting packs with variance analysis TOOLS Advanced Excel (Power Query, dynamic arrays, data tables), Google Sheets, Power BI, QuickBooks Online, Xero, PowerPoint. CREDENTIALS CFA Level II Candidate, ACCA Part Qualified, and Bachelor's in Accounting and Finance. I build to corporate finance standards: no hardcoded numbers buried in formulas, colour-coded inputs, a single documented assumptions sheet, and a model any other analyst can pick up and follow. HOW I WORK 1. A short call or written brief, so I understand the business and not just the spreadsheet 2. An assumptions sheet sent for your sign-off before I build anything 3. Draft model delivered with a walkthrough video 4. Two rounds of revisions included 5. You receive the working file — unlocked, unprotected, fully editable, and yours to keep I reply within an hour during 9 AM to 12 AM EST , and I'll tell you straight if your project isn't a fit for me. If you're raising, budgeting, or trying to work out where the cash actually goes — send me a message describing what you're working on. I'll reply with exactly what I'd build, what it costs, and how long it takes.

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬𝐞𝐬 𝐦𝐚𝐤𝐞 𝐬𝐦𝐚𝐫𝐭𝐞𝐫 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 𝐅𝐏&𝐀, 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐦𝐨𝐝𝐞𝐥𝐢𝐧𝐠, 𝐟𝐨𝐫𝐞𝐜𝐚𝐬𝐭𝐢𝐧𝐠, 𝐚𝐧𝐝 𝐚𝐜𝐭𝐢𝐨𝐧𝐚𝐛𝐥𝐞 𝐢𝐧𝐬𝐢𝐠𝐡𝐭𝐬. I help businesses improve financial visibility and make better decisions through FP&A, financial modeling, forecasting, and management reporting. 𝐀𝐬 𝐚𝐧 𝐅𝐏&𝐀 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐧𝐭, 𝐈 𝐬𝐮𝐩𝐩𝐨𝐫𝐭 𝐟𝐨𝐮𝐧𝐝𝐞𝐫𝐬, 𝐞𝐱𝐞𝐜𝐮𝐭𝐢𝐯𝐞𝐬, 𝐚𝐧𝐝 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐭𝐞𝐚𝐦𝐬 𝐰𝐢𝐭𝐡: • Budgeting and forecasting models • Monthly financial reporting and KPI dashboards • Cash flow forecasting and scenario analysis • 3-statement financial models (P&L, Balance Sheet, Cash Flow) • Variance analysis (Actual vs Budget vs Forecast) • Profitability analysis and cost optimization • Investor and management reporting My experience includes building financial models for e-commerce businesses, real estate projects, healthcare companies, private investments, and growing SMBs. I combine accounting expertise with financial analysis to transform raw financial data into actionable insights. My goal is not only to report what happened, but to help you understand why it happened and what actions will improve future performance. I have worked with businesses using QuickBooks Online, Xero, Shopify, Amazon, Stripe, ERP systems, and other financial platforms to build accurate reporting and forecasting frameworks. If you need a finance partner who can help you plan, analyze, and drive better business decisions, I would be happy to support you. FP&A Analyst | Financial Planning & Analysis | Financial Modeling Expert | Budgeting | Forecasting | Financial Forecasting | KPI Reporting | Management Reporting | Financial Dashboards | Variance Analysis | Cash Flow Planning | Profitability Analysis | Scenario Analysis | Business Performance Analysis | Financial Projections | Microsoft Excel | Google Sheets

US & UK Tax Accountant | 1040, 1120, 1065 Tax Preparation | QuickBooks & Xero Bookkeeping | Catch-up & Monthly Bookkeeping | Financial Reporting I help businesses maintain clean books, accurate financials, and stress-free US & UK tax compliance. I specialize in QuickBooks bookkeeping, Xero bookkeeping, catch-up bookkeeping, and monthly bookkeeping, as well as 1040, 1120, 1120S, and 1065 tax preparation for startups, SMEs, and international businesses. With 15+ years of experience in taxation, bookkeeping, and financial compliance, I support CPA firms, e-commerce, real estate, and professional services clients with reliable remote accounting solutions. My focus is simple: accurate numbers, clean books, and stress-free tax filings. US & UK Tax Services • US Individual & Business Tax Returns (1040, 1120, 1120S, 1065) • Schedule C & Schedule E for small business and rental income • UK Self Assessment & Corporation Tax compliance • Payroll Accounting & Payroll Tax Filings (941, 940) • 1099 Reporting • Sales Tax and VAT Compliance • International reporting: 5471, 5472, FBAR, 8938 • IRS and HMRC notices support • Book-to-Tax Adjustments & Tax Planning • US & UK Tax Filing Services Bookkeeping & Accounting Services • Full-charge QuickBooks Bookkeeping and Xero Bookkeeping • Catch-up Bookkeeping & Bookkeeping Cleanup Services • QuickBooks & Xero setup and Chart of Accounts structuring • Bank, credit card, and payment processor reconciliations • Accounts Payable (AP) and Accounts Receivable (AR) management • Payroll processing and payroll accounting • Month-end and year-end closing • Financial statements and management reporting • Cash flow tracking, budgeting, and forecasting • Accounting system migration from spreadsheets or disorganized books Software Expertise • QuickBooks Online & QuickBooks Desktop Bookkeeping • Xero Bookkeeping • Microsoft Excel • Accounting tools for payroll, tax, and financial reporting Industries Supported I have supported clients across: • E-commerce (Amazon, Shopify, online stores) – QuickBooks & Xero bookkeeping • Real Estate & Rental Properties – property-level reporting and reconciliations • Healthcare • IT & Consulting Firms • Restaurants & Hospitality • Professional Services • Non-Profit Organizations Qualifications & Certifications • FCCA – Fellow Member, Association of Chartered Certified Accountants • ACCA – Association of Chartered Certified Accountants • CA (England & Wales) • CMA – Certified Management Accountant • CIA – Certified Internal Auditor • QuickBooks Online ProAdvisor • Xero Certified Advisor Why Clients Work With Me • Clean, audit-ready books and financial statements • Reliable QuickBooks & Xero bookkeeping, catch-up and monthly • Accurate US & UK tax preparation and filing • Clear communication and responsive remote support • Long-term accounting and bookkeeping partnership • Structured systems that support growth, investor reporting, and tax compliance I help businesses simplify bookkeeping, financial reporting, and tax compliance while giving them accurate, decision-ready numbers every month. If you need a trusted accountant for QuickBooks bookkeeping, Xero bookkeeping, catch-up bookkeeping, or US & UK tax filing, I can provide professional support tailored to your business. Feel free to send an invitation to discuss your project. Kind Regards, Ehsan Mahmood

Hi, I’m Usama Khanzada, a Chartered Accountant with 7+ years of experience in accounting, FP&A, financial management, and advisory services. I currently work in Financial Advisory at Crowe, where I support businesses with financial reporting, budgeting, forecasting, cash flow management, ERP implementation, and strategic finance functions. I help businesses build clarity around their numbers, improve financial processes, and make better operational and strategic decisions. My core expertise includes: • Accounting & Bookkeeping Financial statement preparation Bank and credit card reconciliations Cleanup and catch-up bookkeeping Transaction categorization and organization Month-end and year-end close Management reporting • FP&A and Fractional CFO Services Budgeting and forecasting Cash flow planning and runway analysis KPI reporting and dashboards Profitability and margin analysis Financial planning and strategic decision support Investor and management reporting • Odoo and Financial Systems Odoo implementation and setup Chart of accounts design Financial workflow optimization Reporting automation ERP migration and process structuring I also support clients with financial modeling, valuations, business plans, and fundraising support where required, particularly for startups and growing businesses. I have worked with clients across SaaS, e-commerce, manufacturing, consulting, healthcare, real estate, energy, and service industries. Software experience includes: Odoo, QuickBooks Online, Xero, Zoho Books, Excel, Google Sheets, Power BI, Pleo, Bill .com, Gusto, Expensify, and other finance and reporting tools. My approach is practical and business-focused. I do not just prepare reports — I help businesses understand what the numbers mean and how to use them to grow sustainably. Let’s connect and discuss how I can support your business.

Need to know exactly how much cash you'll have in twelve weeks? Got a model that no longer ties out, or books too far behind to report from? That's the work I do. I handle both halves of it. I clean and reconcile your QuickBooks or Xero data first, then build the 13-week cash flow, the driver-based P&L and the rolling budget on figures that actually hold up. Most financial modelers won't touch a ledger, and most bookkeepers can't build a driver-based model. Doing both is the point, because a forecast is only ever as good as the data sitting underneath it. ⭐ Top Rated | 100% Job Success | 14 projects delivered ────────────────── WHAT I CAN SOLVE FOR YOU ────────────────── ▸ Cash flow you can't see past next month 13-week rolling cash flow, runway and liquidity planning, working capital forecasting, base/upside/downside cases, and actual vs forecast tracking. ▸ A model you no longer trust Formula and logic audit, rebuild or repair, clean separation of inputs, calculations and outputs, and documented assumptions anyone can follow. ▸ Books too far behind to report from QuickBooks Online and Xero cleanup, bank reconciliation, transaction review and categorization, accounts payable, month-end close, financial statements. ▸ No clear view of what's making money SKU, channel, product and customer level profitability, margin and contribution modeling, landed cost and pricing models, unit economics. ▸ Numbers an investor or lender will accept Three-statement models, projections, IRR and financing schedules, scenario and sensitivity analysis, development and project finance models. ▸ The same report rebuilt by hand every month Automated Excel and Google Sheets reporting, Power BI dashboards, management reporting packs, KPI and variance reporting. ────────────────── RECENT WORK ────────────────── • Group financial cash flow model with multiple moving parts ★★★★★ "Very responsive and delivered exceptional work well ahead of schedule." • Controlled forecasting scenario, hand-verified, to test a new SaaS forecasting tool ★★★★★ "He caught a serious data-integrity issue in how cleared transactions link to bank accounts that we'd otherwise have shipped. Thorough, precise, honest about what he did and didn't test, and genuinely useful. Would hire again without hesitation." • Multi-entity 12-month cash flow and FP&A forecast across UK and UAE entities, consolidating Xero and Wafeq into one rolling view • Saudi real estate development model covering IRR, cash flow and financing schedules • SKU-level profitability forecast for a food manufacturer, tying production volumes through to margin by product • QuickBooks Online cleanup and bank reconciliation for a restaurant business • Power BI dashboards and management reporting for an ecommerce seller on Shopify and Amazon ────────────────── WHAT YOU ACTUALLY GET ────────────────── ✔ A working file you own, not a screenshot or a locked template ✔ Every assumption on one labelled input tab, so you change a driver and see the effect immediately ✔ Formulas you can follow, with no hardcoded numbers hidden in the calculations ✔ A short walkthrough, written or recorded, covering how it's built and how to update it ✔ Clear sourcing for every figure that came out of your accounting data ────────────────── HOW I WORK ────────────────── I start by reading what you already have, then come back with what I'd change and why before any work begins. I build in stages and show you the structure early, so we agree direction while it's still cheap to change. You get progress updates without chasing me, and I stay available after handover. ────────────────── BACKGROUND ────────────────── MBA and MCom in Accounting and Finance. QuickBooks Online Accountant certified, Intuit ProAdvisor. Power BI training. Around seven years building financial models. I work across US, UK and Gulf business hours and reply the same day. ────────────────── HOW WE START ────────────────── Send me the file. Your existing model, your QuickBooks or Xero access, or just a description of what isn't working. I'll review it and come back with what I'd change and what it would take, before you commit to anything. That review costs you nothing, and it's usually the fastest way for both of us to find out whether I'm the right fit.

Hello! Divaglow! We are a qualified financial analyst team with 25 years of combined experience in the field and with more than 1,500 successful clients. We specialize in customized financial plans and projections for various types of businesses. We can prepare financial statements and financial models / plans for new startups and existing businesses for getting grants, loans and attracting investors. Contact us for investor-ready financial plans along with graphs and charts for complete understanding. ★ Investor-Ready Financial Plan★ List of services: Financial Plan Financial Model Financial Forecasting Financial Projection Financial Statements Company valuation Breakeven analysis Following are the descriptions of plans: Thank you for checking my profile! If you are looking for an investor-ready financial model, you are at the right place. I am providing a financial plan and models which will be very detailed and include GRAPHS and CHARTS for better understanding. I have different packages for it and very open to custom requests. Basic Package includes: Profit and loss projection up to 3 years Cash flow statement up to 3 years Balance sheet up to 3 years Break-Even Analysis Excellent Formatting Profit & loss statement monthly forecast Cash flow statement monthly Business Ratios Standard Package includes: Profit and loss projection up to 5 years Cash flow statement up to 5 years Balance sheet up to 5 years Profit & loss statement monthly forecast Cash flows monthly Premium Package of Financial Plan includes: Profit and loss projection up to 5 years Cash flow statement up to 5 years Balance sheet up to 5 years Break-Even Analysis Profit & loss statement monthly forecast Cash flow statement monthly Business Ratios