👑 Top Rated Upwork freelancer 👑 M&A expert with mega fund experience 👑 Over 13 years experiences across M&A, FP&A, Private Equity, Venture Capital and Entrepreneurship, as a result providing a unique perspective on company lifecycles from early-stage, growth and mature companies. Dynamic and seasoned professional with experience in and helping clients with: M&A I have track record of helping clients at every stage of the M&A lifecycle, including target identification, valuation/financial modeling, due diligence and deal structuring. CFO Services I have acted as interim CFO for several startups, providing funding raising support, determining valuation and cash burn, building financial budgets and projections. and analyzing and summarizing large datasets. Capital Raising Helping startups, Investment Banks, Venture Capital and Private Equity firms raise capital by leveraging a proprietary investor database and AI/automation. Private Equity Helped build out the M&A function at a Carlyle (Mega PE) PortCo, while closing 4 acquisitions, divesting 2 business units, and exiting the PortCo at a $4 billion purchase price. Currently helping PE clients with fund formation, fund financial modeling & reporting, diligence & deal execution, and investor cap table & waterfall distributions. Venture Capital I spend over 5 years leading deal execution related to corporate venture investing and portfolio management at HERE Technologies. Currently a Venture Partner at NextGen who invests in early staged B2B SaaS startups. I was a Venture Partner at Esya, a startup-studio and venture builder that focuses on Blockchain, Web3, Future of Work and Prop-tech projects. I helped screen, evaluate and source early-stage investments, and provide strategic support to portfolio companies. I have experience supporting portfolio companies strategic advisory, financial analysis and CFO services. Key Skills: - Financial Modeling in Excel: Scenario Analysis, DCF, LBO, Sum of All Parts - Comparable Companies Analysis (Trading / Peer Comps) - Precedent Transaction Analysis (Transaction Comps) - Precedent Funding Analysis - Financial Projections and proforma statement with Industry Specific KPIs / Levers - Cap Table Modeling - Early Stage Startup Modeling - M&A Strategy Development - M&A Pipeline Development - Business Plan Development - Competitor / Target Screening & Profiling - Pitch, Investor and Private Equity Fund Decks - Board Level Presentations - Updating / Automating / Maintaining Existing Business and Financial Models - Investment Memos - Business model optimization - Monetization strategy - Market Sizing Analysis - Industry Research Reports Industry Knowledge: Locations services, mapping, manufacturing of industrial goods, warehouse automation and technology, software as a service (SaaS) for professionals, e-commerce, retail and consulting / professional services.

✅ 50+ quality of earning reports completed, ranging from $500k-$3 billion revenue. ✅ 10+ years of experience specializing in small business and transactions advisory work. ✅ Provided financial due diligence across various industries including: SaaS, manufacturing, professional services, landscaping, logistics, retail, food & beverage, and e-commerce. ✅ ex-KPMG FDD manager, 5 years of Big 4 due diligence experience. Any of these questions sound familiar: ❓You get lost in the numbers or just avoid them all together and long for a passionate numbers guy? ❓Struggling to make sense of the financial report your bookkeeper sends you? ❓Want to be more proactive in your business instead of reactive? ❓Unsure if you’re making costly mistakes? As your fractional CFO, I make sure if you have any questions I'm right there to answer them. See below reviews of what clients have said after working with me: ⭐ "Zach has been an invaluable and trusted partner for our business over the past two years, serving as our fractional CFO. His expertise in financial planning, budgeting, and expense control, combined with his CPA background, has been instrumental in helping us double our growth while becoming more efficient and well-managed.” ⭐ ”Zach’s strategic insight and trustworthy leadership have transformed our financial operations, allowing us to make confident, informed decisions. We couldn’t be happier with the results he’s delivered and highly recommend his services to any organization looking to elevate their financial strategy." ⭐ ”As an entrepreneur with a great product but struggling to understand how to become highly profitable, I deeply relate to the challenges many others face. Zach is not only easy to work with, but he’s also extremely knowledgeable.” ⭐ "Zach's impact has been truly transformative for our business. His expertise in financial forecasting has given us unprecedented clarity in our cost projections and budgeting, enabling smarter decision-making across all departments.” ⭐ "We highly recommend his services to any company seeking experienced financial leadership that can deliver tangible results.” I've transformed businesses by: 🔹Securing $25+ million of capital, aided by financial modeling 🔹Improved gross margin by 25% through actionable insights found during developing their financial model 🔹Mitigated previously unforeseen risks through a financial model that could have cost companies $100,000+ With over 10 years in high-stakes finance, including 5+ years in M&A services , I've translated that extensive experience to serve as a fractional CFO to small and medium-sized businesses. I prioritize working with high growth companies where my experience will make a difference. Message me with any questions you have about your project, happy to chat.

💼𝐅𝐞𝐞𝐥𝐢𝐧𝐠 𝐨𝐯𝐞𝐫𝐰𝐡𝐞𝐥𝐦𝐞𝐝 𝐰𝐢𝐭𝐡 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐭𝐚𝐬𝐤𝐬? 𝐋𝐞𝐭 𝐦𝐞 𝐡𝐚𝐧𝐝𝐥𝐞 𝐲𝐨𝐮𝐫 𝐛𝐨𝐨𝐤𝐤𝐞𝐞𝐩𝐢𝐧𝐠, 𝐩𝐚𝐲𝐫𝐨𝐥𝐥, 𝐚𝐧𝐝 𝐫𝐞𝐜𝐨𝐧𝐜𝐢𝐥𝐢𝐚𝐭𝐢𝐨𝐧 𝐬𝐨 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐟𝐨𝐜𝐮𝐬 𝐨𝐧 𝐠𝐫𝐨𝐰𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬!💰✅ With over 𝟐𝟏 𝐲𝐞𝐚𝐫𝐬 of experience as a 𝐂𝐅𝐎 and seasoned 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐧𝐚𝐥𝐲𝐬𝐭, I specialize in delivering tailored accounting and consulting solutions to help businesses overcome financial challenges and achieve sustainable success. 📊 I have expertise in 𝐜𝐚𝐬𝐡 𝐟𝐥𝐨𝐰 𝐟𝐨𝐫𝐞𝐜𝐚𝐬𝐭𝐢𝐧𝐠, 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐦𝐨𝐝𝐞𝐥𝐢𝐧𝐠, and cost optimization, ensuring businesses maintain financial stability and 𝐠𝐫𝐨𝐰𝐭𝐡. With a strong background in franchise financial planning and investment analysis, I provide data-driven insights to enhance profitability. I have successfully supported businesses in optimizing unit economics and implementing cost-reduction strategies while ensuring accurate financial reporting and strategic decision-making. My analytical skills and experience enable me to drive efficiency and profitability for businesses of all sizes. 🎓𝐏𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥 𝐂𝐞𝐫𝐭𝐢𝐟𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬: ✅ QuickBooks Online ProAdvisor ✅ Certified Xero Accountant ✅ Certified Management Accountant (CMA) 💼 𝐂𝐨𝐦𝐩𝐫𝐞𝐡𝐞𝐧𝐬𝐢𝐯𝐞 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠 𝐒𝐞𝐫𝐯𝐢𝐜𝐞𝐬: 🟢 IFRS-Compliant Accounts Setup: Custom charts of accounts for accurate financial reporting. 🟢 Payroll Services: Timely, accurate payroll processing to ensure compliance and satisfaction. 🟢 Sales & Use Tax Filings: Precise tax filings to minimize errors and penalties. 🟢 Month-End & Year-End Reports: Clear financial reports for better business decisions. 🟢 Audit Support: Expert assistance for seamless audit preparation. 📊 𝐓𝐚𝐢𝐥𝐨𝐫𝐞𝐝 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐢𝐧𝐠 𝐒𝐞𝐫𝐯𝐢𝐜𝐞𝐬: 🟢 𝐑𝐞𝐯𝐞𝐧𝐮𝐞 & 𝐂𝐚𝐬𝐡 𝐅𝐥𝐨𝐰 𝐅𝐨𝐫𝐞𝐜𝐚𝐬𝐭𝐢𝐧𝐠: Providing accurate financial projections to help you plan, grow, and make data-driven decisions. 🟢𝐁𝐨𝐨𝐤𝐤𝐞𝐞𝐩𝐢𝐧𝐠 𝐏𝐫𝐨𝐜𝐞𝐬𝐬 𝐎𝐩𝐭𝐢𝐦𝐢𝐳𝐚𝐭𝐢𝐨𝐧: Streamlining your bookkeeping practices with Xero and QuickBooks for greater accuracy and efficiency. 🟢𝐗𝐞𝐫𝐨 & 𝐐𝐮𝐢𝐜𝐤𝐁𝐨𝐨𝐤𝐬 𝐄𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞: Expert setup, customization, and management of Xero and QuickBooks for seamless financial reporting. 🔍𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐧𝐚𝐥𝐲𝐬𝐢𝐬 & 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐜 𝐒𝐮𝐩𝐩𝐨𝐫𝐭: 🟢 Budgeting & Financial Strategy: Develop precise, actionable budgets that support your business objectives. 🟢 Cost Optimization & Expense Management: Identify opportunities for cost reductions while maintaining high-quality standards. 🟢 Financial Risk Mitigation: Address potential risks from market shifts and operational factors to safeguard your financial stability. 💻 𝐒𝐨𝐟𝐭𝐰𝐚𝐫𝐞, 𝐓𝐨𝐨𝐥𝐬 & 𝐀𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬 𝐄𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞: 🟢 QuickBooks Online: Comprehensive cloud-based accounting tool for businesses of all sizes. 🟢 Xero: A powerful cloud-based accounting platform with real-time reporting. 🟢 QuickBooks Desktop: Desktop version for businesses needing offline accounting management. ✅ 𝐊𝐞𝐲𝐰𝐨𝐫𝐝𝐬: Bookkeeping, light bookkeeping, Xero bookkeeping, QuickBooks bookkeeping, payroll processing, Xero payroll, QuickBooks payroll, payroll reconciliation, bank reconciliation, credit card reconciliation, accounts reconciliation, financial reporting, financial statements, profit and loss statements, balance sheet preparation, cash flow tracking, invoicing, billing, accounts payable, accounts receivable, expense tracking, tax compliance, payroll tax calculations, ledger management, transaction categorization, bookkeeping automation, bookkeeping optimization, financial data entry, accrual accounting, cash basis accounting, financial record keeping, financial statement reconciliation, double-entry bookkeeping, bookkeeping cleanup, chart of accounts setup, payroll journal entries, financial dashboard creation, VAT/GST reconciliation, bookkeeping for small businesses, bookkeeping for startups, Xero setup and integration, QuickBooks setup and integration, payroll deductions processing, payroll tax filings, payroll compliance, payroll audit support, direct deposit processing, bookkeeping support services, bookkeeping for freelancers, bookkeeping for e-commerce, payroll expense management, payroll summary reports, bookkeeping for consultants, payroll and bookkeeping advisory, financial workflow automation, end-of-month reconciliations, payroll liabilities tracking, bookkeeping troubleshooting.

Founders rarely wake up because the bookkeeping is wrong. They wake up because a hard decision is in front of them, and they aren't confident their numbers are good enough to make it. I work with founder-led companies as an embedded Fractional CFO, helping them make better financial decisions before they become urgent. Every important business decision eventually becomes a financial decision. Hiring. Pricing. Expansion. Raising capital. Acquiring a competitor. My job is to make sure your finance function is ready before those decisions arrive. That means I'm inside the decision loop - on the pricing call, in the capital conversation, and helping founders work through the questions that can't wait until month-end. My clients don't hire me to produce reports. They hire me to help make the decisions those reports are supposed to support. Together we'll build: + Cash flow systems you can actually trust + Pricing that protects margins as you scale + Financial scenarios for your biggest decisions + Investor and lender-ready reporting + Capital strategies that preserve flexibility + Transaction-ready financial infrastructure Recent impact: *Prevented projected liquidity shortfalls through disciplined forecasting and cash timing strategy *Redesigned pricing strategy, increasing self-operated pricing 27% across a 500+ kiosk automated retail platform — and separately correcting legacy subsidized pricing by 45% *Reduced wireless infrastructure costs 35% through operational audit and vendor restructuring *Developed strategic tax planning and acquisition evaluation frameworks that informed executive decision-making at a growth-stage digital marketing agency *Supported buy-side and sell-side diligence across multiple transactions; now applying that lens independently with companies navigating asset sales and acquisition prep Ideal engagements: - Founder-led and investor-backed companies at pre-seed through Series A - Businesses preparing for a capital raise, acquisition, or strategic transaction - Companies preparing to scale before hiring a full-time CFO The best finance function isn't measured by its reports. It's measured by the quality of the decisions it supports. If that's where you are, let's talk.

I help small and mid-sized business owners make high-stakes financial decisions with confidence—whether that means running or acquiring a company, raising capital, improving performance, or preparing for an exit. I work as a fractional CFO and M&A advisor to founders, investors, and management teams, typically in the $2M–$10M revenue range, providing senior-level financial leadership without the cost of a full-time executive. My background includes 25+ years as a partner at two major CPA firms and 10+ years running my own financial and M&A advisory firm. In addition to advisory work, I have hands-on experience running business units, turning around underperforming operations, and building new practice areas—so my guidance is practical, not theoretical. How I Help Clients Fractional CFO & Financial Leadership -Financial strategy, budgeting, forecasting, and cash-flow modeling -KPI dashboards and board-level reporting -Debt and equity financing support -Pricing, margin improvement, and cost reduction -Incentive compensation and performance plans -Tax strategy oversight (in coordination with CPAs) M&A, Due Diligence & Valuation -Buy-side financial due diligence & Quality of Earnings (QoE) -Pre-LOI analysis and valuation -Deal structuring and acquisition financing -Sell-side readiness & reverse due diligence -Partner buyouts and internal transactions Strategic Growth & Exit Planning -Growth planning and execution support -Capital planning for scale -Exit planning and sale readiness -Special financial and strategic projects Selected Engagement Examples (Representative and anonymized) -Conducted Q & E Review and financial due diligence and provided lender report for a manufacturing acquisition (~$12M revenue) with lender providing pari passu SBA and traditional financing, relying upon my work. -Guided and advised the buyer through the valuation, structuring, and financing of a specialty construction company (~$13M revenue). -Serves as long-time on-going fractional CFO for family or solo owner real estate, SaaS, consumer products, and instructional businesses, providing financial management and reporting, cash flow forecasting and budgeting, oversight of tax matters, and strategic financial advice and guidance. -Prepared sell-side financials and exit readiness for founder-owned service firms. -Structured partner buyouts and ownership transitions for multi-owner businesses. Industries -Technology & SaaS -Professional & B2B services -E-commerce & consumer brands -Manufacturing & distribution -Healthcare services -Real estate & construction Why Clients Choose Me -100% Job Success on Upwork -Expert-Vetted fractional CFO & M&A advisor -600,000+ earned on Upwork across 300+ engagements -Trusted with acquisition, financing, and exit decisions -Clear communicator with owners, lenders, attorneys, and investors Let’s Talk If you’re considering an acquisition, need senior-level financial leadership, or want to prepare your business for growth or exit, I’m happy to discuss whether I’m the right fit.

I am an experienced accounting and finance professional with an extensive CFO background who, being detail orientated, can compile financial accounts from source for review and analysis as well as extract, present and analyze financial and operational information so that informed decisions can be made. My expertise is as follows: - Financial accounting using SAP Business One, Xero, Sage Pastel and Quickbooks - Detailed historical account cleanups and reconciliations - Financial reporting - Budgets and forecasts including cashflow - Financial modelling - Financial analysis - Business analysis including implementation of business processes - Data visualization, analysis and presentation - Excel advanced - SQL and Python for data extraction, visualization and analysis

Senior finance leader (Big 4 + Director FP&A) helping businesses fund, grow, and execute Hi, I’m Adnan. I help businesses turn finance from a back-office function into a strategic advantage. I currently serve as Director – Financial Planning & Analysis at a seaport terminal group in MENA region, managing budgeting, forecasting, and project evaluation for multi-billion operations. At the same time, I work as a Fractional CFO for clients internationally, helping founders and investors with cash flow optimization, financial controls, and investor-ready reporting. With 17+ years of experience, including six years at Ernst & Young, I combine Big 4 rigor with corporate finance leadership. I’ve worked directly with banks and lenders on project finance transactions, preparing DSCR-focused models and funding packs that support real investment decisions. I also develop financial models for M&A, fundraising, and internal planning, giving business leaders and investors the clarity they need to act confidently. How I Can Help Financial Modeling & Project Finance: Investor- and lender-ready models, DSCR analysis, and scenario planning. M&A & Due Diligence: Buy- and sell-side support, quality of earnings analysis, and transaction modeling. Fractional CFO Services: Cash flow management, KPI dashboards, budgeting, forecasting, and board reporting. FP&A & Strategic Planning: Performance dashboards, variance analysis, and long-term business planning. I focus on practical, decision-oriented deliverables. My models, dashboards, and reports are designed to be clear and actionable, so executives, investors, and lenders can make fast, informed decisions. I leverage Excel, Power BI, Python, and SQL to automate, validate, and visualize insights efficiently. **Why Clients Work With Me** I bridge strategy, analysis, and execution. Clients value that I bring both technical expertise and commercial judgment , the kind you’d expect from a senior finance executive who’s been in boardrooms, negotiated with lenders, and guided complex capital projects. If you’re raising capital, planning a project, or need a trusted finance partner who can act as your fractional CFO, let’s connect and discuss how I can help.

Confident in your numbers. Clear on your next move. Hi, I’m Hélène, founder of HB2B Consulting. I’m a Fractional CFO — I help small business owners simplify their finances so they can focus on growth. I’ve worked as a Finance Manager for over 10 years, and I hold a Master’s in Management Accounting. What I’ve seen is that many entrepreneurs struggle to understand their priorities, and too often businesses fail because they don’t fully understand their numbers. My role is to make finance clear and actionable, so business owners can scale up with confidence. Running a business involves managing cash flow, taxes, super, staffing, income distribution, pricing, and reporting — all while trying to grow profitably. A skilled CFO can help you orchestrate these elements, develop accurate forecasts and budgets, and implement strategies that increase profitability. Fractional CFO Services I Offer: Financial Strategy & Planning – Aligning your business goals with practical, data-driven finance strategies. Cash Flow Management & Forecasting – Monitoring and projecting cash flow to ensure stability and support growth. Profitability & Performance Insights – Analysing key metrics to improve margins and drive sustainable results. Scenario Modelling & Decision Support – Testing business ideas like hiring, new products, or market expansion. Systems Setup & Process Improvement (Xero & others) – Streamlining finance systems for efficiency, clarity, and accurate reporting. Foreign Currency Management – Minimising risk and maximising advantage from FX fluctuations. How It Works: 1️⃣ We identify what’s unclear — whether it’s your P&L, cash flow, pricing, or growth strategy. 2️⃣ I rebuild and simplify your numbers so you can clearly see where your business stands. 3️⃣ You gain clarity, confidence, and a practical framework to scale sustainably. Why Clients Work With Me: • I translate complex financials into plain, actionable language. • I blend strategic insight with hands-on financial modeling. The result? More money. Less stress. Less chaos. More confidence. Decisions get easier. Cash flow strengthens. The path forward becomes clear. Let’s connect and take control of your finances, CFO strategy, budgeting, and forecasting to grow your business with confidence.

Most businesses don't have a numbers problem, they have a decision problem. The data exists, but leadership cannot always trust it enough to act on it. I help fix that. I specialize in DTC, ecommerce, CPG, retail and founder-led businesses where financial data is fragmented across Shopify, Amazon, Faire, Stripe, PayPal, PayArc, Funnelish, Wise, Mercury, Airwallex, QBO and Xero. My work starts with controller-level cleanup: making the numbers reliable, then building the reporting system that turns them into decisions. Recent work includes rebuilding the financial reporting layer for an eight-figure multi-channel DTC health brand, reconciling revenue across payment processors and banks, correcting channel mapping issues, resolving prior-period entries affecting current-period reporting, and establishing a cleaner monthly close cadence with founder-facing reporting. I also built a channel P&L and retail ramp model for a CPG brand expanding into retail covering DTC, retail, wholesale and hospitality, with SKU-level COGS, unit economics, store-ramp economics, and KPI reporting connecting marketing spend to margin outcomes. Recent projects: ◆ Multi-channel DTC health brand Reconciled Shopify, Amazon, payment processor and bank activity into a cleaner monthly reporting process. Corrected channel mapping issues in QBO, resolved prior-period entries affecting current-period results, improved the monthly close/reporting cadence. and built founder facing P&L/KPI reporting with source-confidence notes. ◆ CPG brand expanding into retail Served as the financial thought partner to the founder on channel strategy and growth decisions. Built a commercial decision model covering DTC, retail, wholesale and hospitality, including SKU-level COGS, channel contribution margin, retail ramp modelling, store velocity assumptions, and distributor/retailer economics. Delivered scenario analysis supporting pricing, channel prioritization, and retail expansion sequencing. KPI reporting framework built for ongoing leadership planning. ◆ International luxury services brand Built management reporting structure, monthly close process and financial visibility framework in Xero. Engagement included multi-currency reconciliation and FX treatment across international client transactions. ◆ Multi-year ERP data analysis Identified approximately $500K of cost-saving opportunities across vendors, staffing and operational inefficiencies, delivered as an actionable recommendations report for leadership. Background: Kellogg School of Management MBA | U.S. CPA Candidate | 13+ years Finance, Operations & Systems | Former Director with $18M P&L responsibility. Core Services: • Fractional CFO & Financial Controller support for DTC, CPG, retail and founder-led businesses • Multi-channel P&L by channel, market and SKU - gross margin, contribution margin, COGS and landed cost • Strategic financial modeling for channel expansion, pricing scenarios, retail rollout, GTM planning and fundraising decisions • 13-week cash flow forecasting, cash runway management and founder reporting • Shopify, Amazon, Stripe, PayPal reconciliation with QuickBooks Online / Xero cleanup and reporting • DTC KPI reporting:- MER, ROAS, CAC, LTV, AOV, return rate, Meta, Google and Triple Whale

Do you need a financial expert who can turn complex numbers into clear, actionable insights? I'm a CMA-certified financial professional with 11+ years of experience helping businesses build reliable financial models, accurate forecasts, and investor-ready reports. I specialize in: ✅ Building 3-statement financial models (P&L, Cash Flow, Balance Sheet) ✅ KPI dashboards using Excel & Power BI ✅ Cost analysis, budgeting, and variance reports ✅ Valuation support and investor pitch prep I’ve helped clients across retail, advertising, and real estate turn data into strategy. Whether you're raising funds, optimizing cash flow, or just want to understand where the money is really going—I'm ready to help. Let’s make your numbers tell the story they were meant to.