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.

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.

I help founders scale profitably, gain control of their cash flow, and make confident financial decisions. As an experienced Fractional CFO, I work with founders and leadership teams to: - Turn financial data into clear, actionable decisions - Build forecasting models that guide growth - Protect cash while scaling the business - Identify inefficiencies and increase profitability - Make confident hiring, investment, and pricing decisions What I Support Clients With: - Financial strategy & decision-making - Cash flow forecasting & runway planning - Budgeting & financial modeling - KPI development & performance tracking - Pricing strategy & margin optimization - Finance team oversight (bookkeeping, tax, systems) Background: I bring a unique combination of legal and financial expertise as both a CPA and former attorney, with experience in investment banking, equity research, FP&A, and corporate law & treasury. For the past several years, I’ve worked as a Fractional CFO for startups and small to mid-sized businesses (up to $10M in revenue) across industries including tax, manufacturing, and healthcare, helping companies scale to 30%+ revenue growth. I’m known for: - Translating complex financials into simple, clear insights - Helping founders feel more in control of their business - Delivering high-level thinking with a practical, execution-focused approach I typically work with clients on an ongoing basis, supporting strategic decisions, forecasting, and financial leadership. If you're looking for a Fractional CFO to help you scale, send me a message—I’d love to talk further.

I am a roll-up-your-sleeves type - a doer. I am a hands-on finance professional with years of experience as a CFO, managing company P&Ls and financial statements, building budgets, and managing audits. I am an operational whiz at developing and implementing internal controls and processes. I have seen it all when it comes to company books and financials! I am looking for some flexibility doing remote work as we are in transition, moving our family from California to Texas. I am an expert in Quickbooks both Online and Desktop (And because I am a Quickbooks Certified ProAdvisor, I can advise on use of the program or tackle challenges for how the program can accommodate the challenges that may be unique to your business), and with all levels of corporate finance and accounting work. I am a power financial systems user and can clean up your books by coding your expenses, redesign your GL codes, do monthly close, reconciliations, A/R, A/P, I can build your monthly reporting packages - I can do fractional work and present to your board. You name it, I can do it! I am even happy to consult with you on how best to maximize your profit, minimize your expenses - I can do financial forecasting in the near, mid, and long-term. I can do M&A diligence. I also have a lot of experience all aspects of business operations and strategy - so happy to provide more comprehensive consulting services as well. Please get in touch!

As a seasoned Real Estate and Property Management accounting professional, I specialize in delivering strategic financial leadership, tax preparation, tax guidance, and high-level accounting solutions for real estate investors, property management firms, and developers. My mission is to help you maximize profitability, reduce tax liability, streamline operations, and maintain financial clarity without the cost of a full-time executive hire. 💼 Expertise Includes: • Real Estate & Property Management Accounting (GAAP-compliant) • Tax Strategy & Planning for Investors, PM Firms & Developers • Business & Individual Tax Preparation (LLCs, Partnerships, S-Corps, Schedule E, etc.) • Rental Property Tax Optimization: Depreciation, Cost Segregation Alignment & Safe Harbor Elections • Budgeting, Forecasting & Cash Flow Analysis • Owner & Investor Reporting Packages • Develop long-term financial strategies aligned with portfolio growth • Evaluate acquisitions, dispositions, and capital allocation • Oversee deal structuring (JV, syndications, equity waterfalls) • Conduct scenario modeling (hold/sell/refinance) • Support board/investor decisions with data-driven insights • Entity Structuring & Intercompany Transactions • CAM Reconciliations, Lease Abstraction, and Rent Rolls • Financial Statement Preparation & Internal Controls • QuickBooks Online, AppFolio, Buildium, Yardi Voyager, Yardi Breeze Whether you’re scaling your portfolio, optimizing tax outcomes, improving financial processes, or preparing for fundraising or acquisition, I bring CFO-level strategy, Controller-level precision, and CPA-level tax expertise to support your financial goals. ✅ Why Work With Me? • Proven experience with portfolios ranging from single-family to multifamily, commercial, and mixed-use assets • End-to-end accounting + tax support for real estate investors and operators • Flexible engagement options: part-time, project-based, or ongoing support • Clear communication, timely delivery, and a partnership mindset Let’s build a financial and tax foundation that supports your growth—without the full-time commitment. 📩 Send me a message to discuss how I can support your business.

💼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.

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.

I help business owners make confident financial decisions. With 20+ years of experience as an accountant and fractional CFO, I support small to midsize businesses—especially in construction, retail, language services, and nonprofits—with clear financial reporting, budgeting, and cash flow strategies. What I offer: Monthly financial statements Budget-to-actual reporting Cash flow management Sage Intacct & QuickBooks Online setup + maintenance Financial forecasts + KPI dashboards I’m bilingual (English/Spanish), easy to work with, and deeply familiar with the challenges of growing a business while managing day-to-day finances. Let’s turn your numbers into a strategic tool—not just a checklist.

I'm a financial consultant with 14+ years of experience across FP&A, financial modelling, and cash flow management — with a background that includes corporate finance roles at PepsiCo and JTI before moving into independent advisory work. I work with businesses across real estate, e-commerce, retail, F&B, healthcare, and services — building the financial frameworks that make planning, forecasting, and decision-making actually work. That means clean P&Ls, rolling cash flow models, variance analysis, and reporting structures that give owners and leadership a clear picture of performance at any point in time. Most of my engagements are ongoing — clients come back because the work is built properly the first time and stays useful as the business grows.

𝟲𝟬+ 𝗦𝘁𝗮𝗿𝘁𝘂𝗽𝘀 𝗔𝗰𝗿𝗼𝘀𝘀 𝗨𝗦, 𝗖𝗮𝗻𝗮𝗱𝗮 & 𝗨𝗞 | 𝗧𝗼𝗽 𝗥𝗮𝘁𝗲𝗱 | 𝟭𝟬𝟬% 𝗦𝘂𝗰𝗰𝗲𝘀𝘀 𝗦𝗰𝗼𝗿𝗲 I help founders get investor-ready in 7 days, set up & run finance operations. The fundraising materials that close the round, and the financial operations that help the company grow 🚀. 𝗘𝘅𝗽𝗲𝗿𝘁𝗶𝘀𝗲: • Sectors: AI SaaS, SaaS, FinTech, Marketplaces, Healthcare, Real Estate, Professional Services 𝗙𝘂𝗻𝗱𝗿𝗮𝗶𝘀𝗶𝗻𝗴 & 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿-𝗿𝗲𝗮𝗱𝗶𝗻𝗲𝘀𝘀: • Investor-ready Pitch Decks: VC-grade storytelling backed by bottom-up market sizing & a driver-based financial model • Driver-based Financial Models tied to Pitch Deck Narrative: profit & loss, balance sheet, cash flow statement, scenario & sensitivity analysis, revenue engine, cash burn, runway, unit economics, cohort logic, & dashboard (MRR, ARR, burn, runway, payback, LTV, CAC) • Cap Tables: Carta management, SAFEs, convertible notes, priced rounds, preference & ordinary stocks, option pools, ownership, dilution scenarios, & waterfalls • Valuations: Discounted Cash Flow Model 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀: • Setting up accounting systems: Quickbooks, Xero • Financial Reporting: period GAAP-compliant bookkeeping, bank reconciliation & financial statement preparation for management reporting & return filing • Investor Reporting: preparing materials for quarterly Investor updates • Budgeting, Planning & Dashboard: set up budgets, forecasts, run variance analysis & build dashboards. • Payroll Management: employee vs contractor, 1099-NEC 𝗠𝘆 𝗥𝗼𝗹𝗲𝘀 𝗮𝘀 𝗦𝘁𝗮𝗿𝘁𝘂𝗽 𝗙𝗿𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗙𝗢 TrueClaim AI Canada Have been working with this startup since April 2024. Built their fundraising financial model, ran DCF valuations, set up Carta & issued SAFE notes. Advised on raise amount, dilution & investment terms. Even the founder asked me to join him during investor calls. VisionX Ecosystem, LLC US I worked with this startup in 2024-25, as CFO. Because I was the only person handling finance, I built fundraising financial models, helped figure out pricing, ran payroll for teams from the US, Asia, & Africa, managed cash burn, runway, QuickBooks & Mercury bank accounts. Advised the founder on the corporate structure, fundraising strategy, investment terms, & navigating startup crises. United For Humanity, Inc. US Worked with the founder & CEO on a fundraising financial model, cap table, & investor dashboard for cash burn, runway, & raise amount. They closed the round for $250k with commitments up to $1.2M. Mammoth Self Storage Pty Ltd AUS Built a multi-property forecasting model covering revenue, expenses, margins & cash burn by facility, plus feasibility analysis for new sites. Added actuals tracking, variance analysis & a dynamic dashboard across all properties. Now on a monthly retainer to update the model & report findings to the CEO. 𝗪𝗵𝗮𝘁 𝗳𝗼𝘂𝗻𝗱𝗲𝗿𝘀 𝘀𝗮𝘆: He built a really strong SaaS financial model for us that covered the revenue engine, core unit economics, and the key drivers behind the business. Model was technically sound + easy to use and helped us think more clearly about pricing, growth, and planning. It’s already been helpful in investor conversations and internal decision-making, and honestly gave us a much better way to talk about the business. 5/5⭐ Wossen Ayele, Founder, CEO & Startup Advisor It was a pleasure working with Qudrat on our 5-year financial model. He was professional, knowledgeable, and quickly identified and corrected areas that needed refinement. He brought clarity and structure and made the entire process smooth and efficient. He was easy to communicate with, responsive, and genuinely collaborative. I would highly recommend him to any founder or organization looking for a thoughtful, reliable, and skilled financial partner. 5/5⭐ Cory Martin, Founder & CEO United For Humanity Qudrat is detailed oriented and fits the needs of a startup with high level financial focus and management. 5/5⭐ Antwyne DeLonde, Founder & CEO VisionX Ecosystem LLC I approached Qudrat with a last-minute problem: I was pitching an extremely complex business idea and faced a challenge in preparing a pro forma spreadsheet. Qudrat completed the project more quickly than I could have ever imagined—I had only a couple of hours, and he saved me. If you need any modeling help, he should be your go-to. 5/5⭐ Alex Coulollias, Founder & CEO 𝗤𝘂𝗮𝗹𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀 • ACCA Qualified with Nationwide Position • BSc in Applied Accounting - First Class Honors from Oxford Brookes University • QuickBooks Online & Xero Certified Advisor • Carta Cap Table Certification • Financial Modeling, Valuation & Budgeting Certifications - CFI • XEED Incubation Program - INSEAD • Venture Deals - Techstars • SaaS Finance Simplified - Author of SaaS Newsletter If you’re Fundraising or need help with Finance Operations, DM me 🚀