I am a Fellow of the ACCA (FCCA) and an MBA-qualified executive specializing in the 'Grit and Logic' of business transformation. I don't just manage books; I architect the financial and operational systems that allow organizations to scale from chaos to audit-ready excellence. ​My 'Exponential Value' Track Record: ​Built Finance Functions from Scratch: Designed org structures, recruited talent, and implemented EOS/Level-10 accountability for US-based firms. ​System Architect (FV + QBO): Led full-scale integrations of Filevine and QuickBooks Online, creating a 'Single Source of Truth' for financial data. ​Cash Flow Optimization: Increased collections by 50%+ through strategic receivables management. ​AI-Enabled Finance: Deployed GPT-powered reconciliations and anomaly detection, improving forecast accuracy to 90%. ​I am a trusted advisor to CEOs who are ready to professionalize their operations. Whether you need a 13-week cash flow forecast, a backend architecture redesign, or a transformation of your trust accounting governance, I deliver the high-integrity oversight your company requires.

Hi, I'm Michael — a Certified Public Accountant with 10+ years of cross-border experience helping business owners turn messy books into clear, decision-ready financial systems. I partner with founders, e-commerce operators, and growing SMEs across the US, UK, Australia, New Zealand, Singapore, UAE, and Canada as their outsourced finance support — without the cost of hiring in house. What I bring to the table: I'm not just a bookkeeper who reconciles accounts and sends you a P&L. I'm a Fractional CFO who looks at your numbers and asks the questions that actually move your business forward: Where is your margin leaking? Which products or channels are quietly subsidizing the unprofitable ones Can you afford that next hire, or are you about to run into a cash crunch in 90 days? My credentials include CPA (Philippines), ASEAN Chartered Professional Accountant (ACPA), Certified Management Consultant (CMC), Certified Forensic Accountant (CrFA), Xero Certified Advisor, and QuickBooks Certified ProAdvisor — backed by 7+ years working daily inside Xero and QBO. Services I deliver end-to-end: (1) Full-cycle bookkeeping & cleanup — catching up neglected books, fixing miscategorizations, and getting you audit-ready (2) Month-end close in 5–10 days — bank/CC tie-outs, balance sheet substantiation, analytical review for unusual fluctuations (3) E-commerce accounting — Shopify, Amazon, Stripe, A2X integrations; gross sales vs. net deposits, payment processor fees, refunds, chargebacks, and ad spend properly tracked by platform (Meta, Google) (4) Fractional CFO services — cash flow forecasting, budgeting vs. actuals, scenario planning, capital allocation advice, and KPI design (5) Finance dashboards that actually get used — I build clear, visual dashboards in Fathom, Futrli, and Excel that surface the metrics owners actually care about: cash runway, gross margin trends, customer acquisition cost, revenue concentration, and aging receivables — so you can make decisions in minutes, not hours (6) Strategic insights & recommendations — every report I deliver comes with a written narrative: what changed, why it matters, and what I recommend you do next (7) Tax compliance & planning — BIR-accredited in the Philippines, with hands-on experience in US GAAP, UK VAT, AU BAS/GST/Superannuation, NZ GST, SG CPF/IR8A, and UAE Corporate Tax filings Tools I work in daily: Xero (10/10), QuickBooks Online & Desktop (10/10), Hubdoc , Dext , A2X, Stripe , Fathom, Futrli, Gusto, Paychex & ADP, Microsoft Business Central, Excel (advanced —pivots, lookups, modeling) Why clients keep working with me: Most accountants hand you a report. I hand you a report and tell you what to do about it. I think like an owner because I've sat on both sides — as an external auditor reviewing companies' books, and as a Director of Operations and CFO making the calls myself. That dual perspective means cleaner books, sharper insights, and finance conversations that translate directly into better business decisions. If you're looking for someone to take finance off your plate while actually helping you grow — let's talk. I'd be glad to do a complimentary diagnostic review of your current setup and show you exactly what I'd improve in the first 30 days.

Are you a business owner struggling with cash flow management and you often find yourself struggling to pay your supplier, cover rent and manage payroll? If so, you're in for a treat. I'm Cherrylyn, an Accountant, Bookkeeper, CFO, and Cost Reduction Strategist dedicated to helping businesses like yours optimize cash flow and reduce costs by leveraging various tax incentives offered by the government. But what difference can it make if I can help you: 🚀 Improve your accounts receivable collection rate by 10-15%, ensuring you have sufficient cash flow to meet your obligations. 🚀 Reduce your expenses by 5-10% through a thorough review of your current expenditures and the implementation of cost-saving measures. 🚀 Maximize tax incentives opportunities, allowing you to reinvest funds back into your business for growth. Why choose me? I am passionate about helping business owners manage their cash flow through a proactive approach that combines strategic planning, tax strategy, and financial risk management. My goal is to generate at least $10,000 in cost savings and tax incentives for your business each year. Professional Competencies: 💼 Certified Public Accountant (CPA) with 13 years of experience 🎓 Bachelor of Science in Accountancy 👩🏽‍💻 CFO, Controller, Accountant, and Bookkeeper for both Australian and US markets 📊 Head of Accounting Department for 6 years 💻 Proficiency in using Xero and Quickbooks 💰 Secured $20 million Dollars in Employee Retention Tax Credits for US businesses 💰 Facilitated AUD 500K in Research and Development Tax Incentives for Australian businesses 💰 Contributed to AUD 150K in cost savings Expertise: 👩🏽‍💻 Australian Accountant and Bookkeeper: 📍Knowledgeable in Australian Bookkeeping & Accounting Standards 📍Proficient in Xero 📍Accurate categorization of income and expenses 📍Expertise in Bank Reconciliation (Bank and Credit Card) 📍Accounts Receivable and Payable Management 📍High proficiency in Excel and Microsoft Office 📍Preparation and Lodgment of Monthly IAS and Quarterly BAS 📍Processing of Superannuation 📍Facilitating claims and registration for R&D Tax Incentives Tools: 📋 Xero 📋 MYOB 📋 Simpro 📋 Spectora 📋 Servicemate 📋 Trello 👩🏽‍💻 US Accountant and Bookkeeper: 📍Knowledgeable in US Bookkeeping & Accounting Standards 📍Proficient in QuickBooks 📍Accurate categorization of income and expenses 📍Expertise in Bank Reconciliation (Bank and Credit Card) 📍Accounts Receivable and Payable Management Tools: 📋 QuickBooks Online 📋 QuickBooks Desktop Chief Financial Officer (CFO): As a CFO, I offer tailored strategies aligned with your business goals, effective cash flow management, and accurate budgeting and forecasting to guide your decisions. Core CFO Services: 🌟 Financial Analysis and Modeling 🌟 Budgeting and Forecasting 🌟 Financial Reporting and Analysis 🌟 Cash Flow Management & Optimization 🌟 Balance Sheet & Profit and Loss Analysis 🌟 Analysis of Actual vs. Budget Variance 🌟 Fractional CFO Support 🌟 KPI Dashboard Management Financial Metrics Expertise: 👉 Gross Profit Margin 👉 EBITDA Margin 👉 Customer Churn Rate 👉 Customer Acquisition Rate 👉 Current Ratio 👉 Debt Equity Ratio 👉 Interest Coverage Ratio 👉 Internal Rate of Return (IRR) 👉 Payback Period Is this the partnership you need to steer your business toward growth? If so, send me an Upwork message now. Let’s work together to rewrite your financial landscape. 😉

I'm Jachim, a Certified Management Accountant (CMA) with over a decade of experience building financial models for operating, fundraising, and valuation purposes across SaaS, eCommerce, and manufacturing businesses. In June 2024, I placed in the Top 10 scorers globally for the Principles of Financial Reporting module of the Singapore Chartered Accountant Qualification Foundation Program. On the tools side, I work extensively across the Xero ecosystem, including Syft Analytics, Dext, and ApprovalMax, and I specialise in management reporting, internal controls, and intercompany transactions for businesses operating across multiple entities. I keep engagements straightforward: clear timelines, agreed budgets, and confidential handling of your data throughout. If you're looking for someone to bring order to your financial reporting or build a model you can actually make decisions from, let's talk.

Get investor-grade ✅ Business Plans, Financial Models and Projections that are proven to raise capital 💰 and boost your business 🚀 ! Work with a Startup Founder, CFO of $5B+ firms, who raised $80M+ from Investors & Banks and managed $1B+ M&A deals. Together, we will: 📚 Write top-notch Business Plans, Proposals and Pitch Decks to attract the interest of the best investors in the industry and close the deal fast 📊 Build advanced Financial Models, Projections and Forecasts to guide strategic decisions and securely plan the future of your business 💡 Craft a winning fundraising strategy to 3X your chance to raise money and close the round fast 🔎 Produce bullet-proof Financial Control Dashboards, Analyses & Reports to give you and your stakeholders complete peace of mind ⬇️ Deliverables ⬇️ ● Business Plans & Proposals: Business Description, Market Analysis & Sizing (TAM/SAM/SOM), Competitive & SWOT Analysis, Go-to-Market Strategy, Personnel Plan, Financial Projections ● Financial Models & Reports: Complex Financial Models, Budgeting & Forecasting, 1-3-5 Year Projections, Monthly P&L, Pro-Forma Financial Statements (Income Statement, Balance Sheet, Cash Flow), Monthly, Quarterly & Annual Reports, Excel and Google Sheets Advanced Modeling ● Fundraising & Corporate Governance Advisory (Equity Investments, Bank Loans): Pitch Deck, Executive Summary, Information Memorandum, Financial Feasibility, Due Diligence, Company Valuation, Investor Target List, Cap Table, Exit Strategy, Term Sheet, Investment Agreement, Shareholders' Agreement, Stock Option Plan (ESOP) You will: ✅ Have a multi-billion-dollars-corporate CFO Service for a fraction of the cost ✅ Follow a clear and proven fundraising strategy, instead of proceeding by trial and error ✅ Stop worrying about how solid your numbers are. My Excel models and I have raised, earned and saved millions of $ ✅ Drastically shorten the time required to raise capital and bring your products into the market ✅ Gain total control over your business and accurately predict your next moves 🥇I have a 100% Job Success Score on Upwork and was awarded the Top Rated Plus badge because I consistently deliver outstanding work. I know what it takes to make a company successful and raise millions of $$$ to grow the business. I did it for my own company, every day for the past 8 years. To help others achieve the same results, I co-founded my consulting practice with one of my investors, who has 40+ years of experience and is former CFO and Group Treasurer of Barilla, Olivetti and JP Morgan, just to name a few. 🏆 Collectively raised more than $80M from VCs, business angels, corporates, family offices, crowdfunding, banks 🏆 Experience as CEO, CFO, Chairman and Board Member in companies across different industries 🏆 Graduated among top 2% of students at University College London (n. 9 in World Ranking) 🏆 Mentor at Techstars and other renowned accelerators 🏆 Featured: Forbes Under 30, Wired and many other respectable media outlets What I look for in a client: ● Strong motivation to achieve results ● Humility and open-mindedness ● Utmost integrity and respect We are not a good fit, if you: ● Are looking for cheap freelancers to deliver low-to-average quality results ● Are not seriously committed to take your business to the next level ● Do not have impeccable values My promise to you: ● Deep knowledge in the field. I only accept assignments I’m sure I can deliver with outstanding results ● Unparalleled quality of deliverables. My output is my reputation, and my reputation is my business ● Complete honesty and trustworthiness. I will work on your business as if it was mine ● Continuous communication. I will make sure you stay on top of everything ➡️ Think you're a good fit? Send me a message and tell me more about your next big goal!

Are you tired of being bogged down by the financial challenges that seem to be holding you back from reaching your full potential? Are you struggling to make sense of your financial statements, or worried that you're not making the most of your revenue streams? If so, you're not alone. Whether you're a new startup, a growing company, or an established business, a robust financial model is critical to your success. But with so many variables to consider, it can be overwhelming to develop a comprehensive financial plan that meets your specific needs. Without a solid financial plan, you risk running out of cash, missing out on growth opportunities, and even jeopardizing the future of your business. That's where I come in, as a Financial Analyst with over a decade of finance experience with S&P Global one of the Fortune 500 companies, I have the expertise and insights you need to make informed financial decisions. I know that you need more than just a one-size-fits-all approach - you need a customized solution that takes into account your unique business model, your revenue streams, and your growth goals. No matter where you are in your business journey, I'm here to listen to your concerns, answer your questions, and provide you with the insights, strategies and support you need to succeed. With my help, you can make informed financial decisions that will enable you to achieve your goals and take your business to the next level. Whether you're struggling with cash flow management, need help raising capital, or want to optimize your revenue streams, I've got the expertise and experience to help you achieve your goals. I'll work with you to identify your pain points and provide you with ongoing support and guidance as you grow and evolve. I am a full-stack and a one-stop shop for all your financial needs. This comprehensive approach ensures that you have all the tools necessary to drive your business forward and secure the funding you need. ------------------------------------------------ I am a Chartered Financial Analyst (CFA), with more than 10 years of experience in the Financial Services industry with S&P Global, one of the Fortune 500 companies. 🌟 I specialize in the following: ✔Financial Modeling ✔Strategic Consultation ✔Investor Pitch Decks and Fundraising ✔Business Plans ✔Pro forma Projections ✔FP&A ✔Mergers and Acquisitions ✔LBO Modeling ✔NPV, IRR, and Returns ✔Investor Relations Materials ✔What-if Analysis ✔Ratios Analysis ✔Key Performance Indicators ✔Excel Dashboards & Data visualization ✔Budgeting ✔Sensitivity analysis ✔Variance Analysis ------------------------------------------------ 🌟 Types based Financial Modeling & Forecasting: ✅Three-Statement Financial Model ✅DCF Model ✅Startup Financial Model ✅E-Commerce Financial Model ✅SaaS Financial Model ✅MarTech Financial Model ✅Real-Estate Financial Model ✅M&A Model ✅LBO Model ------------------------------------------------ 🌟 Customers: ✈️ New Startups 🚀 Growing Startups 🏢 Established Companies ------------------------------------------------ 📝 NEXT STEP: If you're ready to take your business plan to the next level, don't hesitate to message me, and let's get started. Your financial future is waiting - and I am here to help you make the most of it.

I’m a former CFO with 25+ years of experience helping companies stabilize, manage cashflow, and prepare for growth or survival in uncertain business environments. In addition, I am an expert in business analytics and AI business processes. I specialize in situations where finance is facing challenges. Maybe cash flow is unclear, reporting is unreliable, or the business is underperforming. I help you navigate and make better decisions. I’ve worked closely with CEOs and private equity firms to rebuild or strengthen financial infrastructure, improve visibility, and drive better decisions. I take pride in knowing that the outcome of my work is better peace of mind for you. How I help: 1. Fix cash flow and forecasting issues 2. Build or upgrade finance/accounting teams 3. Create professional reporting for your stakeholders (banks, shareholders, etc.) 4. Support fundraising, restructuring, or exit 5. Diagnose and turn around underperforming operations I operate as a strategic partner to the CEO / Owner and am at home interfacing with your bookkeeper. If your business feels financially unclear or you'd just like a partner, I can help you fix it quickly.

Do you need clean, accurate financials — and insights that help you make smarter business decisions? I’m a Certified Public Accountant (CPA) and Top Rated Plus freelancer with 12+ years of experience helping startups, SMEs, and investors build solid financial systems, models, and reports that actually drive results. Clients hire me when they need more than just bookkeeping — they need clarity, structure, and strategy behind the numbers. ________________________________________ 💼 What I Do • Financial Modeling & Valuation: Investor-grade models for startups, acquisitions, or fundraising • Due Diligence Support: Buy-side and sell-side analysis for M&A and capital raises • Accounting Setup & Cleanup: QuickBooks, Xero, and Odoo configuration, migration & reconciliation • Bookkeeping & Reporting: Monthly close, management reports, cash flow tracking, KPI dashboards • Budgeting & Forecasting: Scenario planning, profitability analysis, and cost optimization ________________________________________ 🧠 Why Clients Work With Me • CPA Qualified: Professional accounting expertise with real-world business insight • Cross-Industry Experience: SaaS, manufacturing, construction, eCommerce, consumer goods, and logistics • Proven Results: Helped clients raise over $5M+, reduce costs, and clean up years of messy books • Responsive & Reliable: You get clear communication, accurate deliverables, and zero missed deadlines • Trusted Partner: 100% Job Success | Top Rated Plus | Long-term client relationships

Hi, I'm Lily. I'm a finance professional with 15+ years of experience in financial modeling, FP&A, and business finance, including 5 years as a CFO. I help business owners understand their numbers, improve profitability, and make confident financial decisions. I specialize in: • Financial modeling and forecasting • 3-statement models (Profit & Loss, Balance Sheet & Cash Flow) • Budgeting, cash flow planning, and variance analysis • KPI dashboards and business performance reporting • Cost optimization and profitability analysis • Scenario and sensitivity analysis • Financial planning for fundraising, growth, and strategic decisions I've worked with startups, SaaS, eCommerce, and established businesses, building financial models that are practical, accurate, and easy to use. I can also provide ongoing monthly financial support, including financial reporting, budgeting, cash flow management, performance analysis, and strategic financial guidance to help you stay on track and make better business decisions. Whether you need a dynamic financial model, monthly reporting, cash flow management, or a reliable finance partner to oversee your business, I'm here to help turn your financial data into actionable insights. ⭐️⭐️⭐️⭐️⭐️ Lily was incredible!! She is extremely quick and came up to speed on my project within one conversation. She developed comprehensive and adjustable 5-year financial projections for me, and organized the information in a clear and user-friendly way. I highly recommend her. She's very talented and a pleasure to work with ⭐️⭐️⭐️⭐️⭐️ Lily did an exceptional job completing our budget forms under tight deadlines. She not only revised two budget proposals efficiently but also provided valuable insights that strengthened our applications. Thanks to her expertise, we’ve already been awarded one proposal and are eagerly awaiting feedback on the other. Highly recommend her! ⭐️⭐️⭐️⭐️⭐️ Lily did an excellent job creating an Investor-Ready 5-Year Financial Model for my business. She was quick, attentive to my needs, and delivered a great result—a well-structured model that's easy for me to adjust as needed. I’m very satisfied with our collaboration and would highly recommend her to others!

Are you looking for a strategic finance leader — not just an accountant? I am a CPA-qualified finance executive with 20+ years of experience leading finance functions across hospitality, real estate, logistics, FMCG, and investment entities in the GCC and international markets. I partner with founders, CEOs, and investors to bring financial clarity, control, and scalable systems to growing businesses. 🔷 What I Deliver 🔹 Fractional CFO Services Strategic financial leadership Board-level reporting & investor presentations Budgeting, forecasting & rolling cash flow models KPI dashboards & performance analytics Capital structuring & funding strategy Financial risk assessment & governance frameworks Margin optimization & cost restructuring 🔹 Controller Services Full accounting oversight (US GAAP / IFRS) Month-end close acceleration Revenue recognition (ASC 606 / IFRS 15) Financial statement preparation Internal controls & audit readiness Multi-entity consolidation Process automation & SOP development 🔹 Microsoft Dynamics 365 Expertise Dynamics 365 Finance & Business Central implementation Chart of accounts restructuring Data migration & integration Financial reporting customization ERP process optimization Power BI financial dashboards 🔹 Tax & Compliance Corporate tax structuring VAT advisory & compliance (UAE / GCC) Tax-efficient entity structuring International tax exposure support 🔷 Industries Served Hospitality & Real Estate Construction & Investment E-commerce & Retail Logistics & Supply Chain Professional Services Multi-entity investment groups 🔷 Why Clients Hire Me ✔ Executive-level financial thinking ✔ Hands-on operational execution ✔ Strong governance & compliance mindset ✔ ERP implementation experience ✔ Clear communication with non-finance stakeholders ✔ Proven experience managing multi-million-dollar budgets I don’t just prepare reports — I help you make better financial decisions. 🔷 Ideal Clients Companies generating $2M–$50M+ revenue Startups preparing for funding Businesses implementing ERP systems Companies needing CFO oversight without full-time cost Organizations seeking audit-ready financial structure