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RBC mid-market banker with 30+ executed deals ($15M–$300M). I build financial models, investor decks, and due-diligence materials that that help you raise capital and close deals. Rotman MBA. Banker-quality work, freelancer speed. Prior to finance, I was a chemical engineer and worked in different engineering and operational capacities in manufacturing.

- Extensive experience and knowledge in Credit Repair. - with advanced knowledge in Credit Repair: Analysis & Processing Disputes (CFPB, FTC, Metro 2, Consumer Law) - experienced in Personal and Business Funding - Proficient in Customer Service, Sales, and Marketing both from the entry-level and supervisory positions. - with experience in drop-shipping & product listing. - with excellent Administrative Skills: Email, Chat, Appointment Setting, Problem Solving, Research & Development - Types 90wpm speed with 100% accuracy - Committed to success with high standards of efficiency. - Self-motivated, with great Organizational Skills, Detail-Oriented & Results driven. Knowledgeable in the following software: - Credit Repair Cloud; Disputes Manager; Prodigy; Creditfixxr; Dispute Fox - Less Annoying CRM, Vcita, Pipeline - Acuity, Calendly - MS Office and Google I am always excited to try and learn new things that would help expand my knowledge and skills in different fields and I can't wait to work with you!

I build financial projections that get SBA loans approved. I spent 12 years on the lender side of the desk, where my team closed 1,500+ SBA loans, and today I run ProjectionHub, where we build the financial projections and business plans that underwriters say yes to. 📊 𝙰 𝙵𝙴𝚆 𝙽𝚄𝙼𝙱𝙴𝚁𝚂 𝚃𝙷𝙰𝚃 𝙼𝙰𝚃𝚃𝙴𝚁 ✅ 1,500+ SBA loans closed during my 12 years running an SBA lending program ✅ Grew a small business loan fund from $100K to more than $50M lent ✅ 1,000+ custom financial models and financial projections delivered since 2012 ✅ 50,000+ founders have used ProjectionHub's financial projection templates and tools ✅ Clients approved for millions in SBA 7(a) and SBA 504 financing ⭐ Here is what a recent Upwork client said: "We found Adam, and what a blessing it was! He went WAY above and beyond our expectations. The lender we are working with was blown away at the critical information they received from us, which allowed our process to progress easily and much faster." (Curtis S., SBA loan financial projections) 🏦 𝚆𝙷𝚈 𝙻𝙴𝙽𝙳𝙴𝚁𝚂 𝚂𝙰𝚈 𝚈𝙴𝚂 Most financial projections fail at the bank for one reason: they were built by someone who has never read a projection the way an underwriter reads one. I have. I approved and declined SBA loan applications for over a decade, so every financial projection I build starts from the question the lender will actually ask: does the cash flow cover the debt? That means DSCR, break-even, and coverage ratios are not an afterthought in my financial projections. They are the spine. ProjectionHub is also the company behind 100+ CPA-developed, industry-specific financial projection templates, so your financial projections start from proven revenue logic for your industry, not a blank spreadsheet. We have built financial models across healthcare, construction, real estate, e-commerce, SaaS, retail, restaurants, and franchises. 📈 𝚆𝙷𝙰𝚃 𝙸 𝙳𝙾 ▸ Financial projections for SBA loans: 5-year, 3-statement financial projections with DSCR, break-even, and coverage ratio analysis built for SBA 7(a), SBA 504, and bank underwriting ▸ Business plans: lender-ready business plans with integrated financial projections, market research, use of funds, and staffing plans ▸ Financial models for investors: revenue models, unit economics, and investor-grade financial projections for pre-seed through Series A raises ▸ Acquisition financial projections: pro forma financial projections and debt service analysis for business acquisitions ▸ SBA loan prequalification: document review, maximum SBA loan sizing, and direct introductions to best-fit SBA lenders ▸ Financial model review: validating the assumptions in your existing financial model or financial projections before they reach a lender or investor 🤝 𝚆𝙷𝙾 𝙸 𝚆𝙾𝚁𝙺 𝚆𝙸𝚃𝙷 Founders applying for SBA loans, buyers acquiring a business with SBA or bank financing, startups preparing investor-grade financial projections, and existing businesses expanding with new debt. If your deal needs financial projections a credit committee will trust, that is my lane. 📋 𝙷𝙾𝚆 𝙸𝚃 𝚆𝙾𝚁𝙺𝚂 1. Send me your loan or raise details: loan type, target amount, timeline 2. First draft of your financial projections in as little as 2 business days 3. Unlimited revisions to your financial projections based on lender or investor feedback 4. When useful, a direct introduction to 1-2 SBA lenders who fit your deal 📞 If you are preparing an SBA loan application, raising capital, or buying a business, message me with your loan type, target amount, and funding stage. I will outline exactly what your financial projections and business plan need to get approved.

🎖️ Top 1% on Upwork | Former SBA Underwriter & Loan Broker | 10+ Years | 150+ Projects on Upwork only 🚀 I build lender-ready business plans and financial models that actually get deals approved, from SBA and USDA loans to investor funding and immigration visas. As a former SBA underwriter and active loan broker, I know exactly what lenders look for and I design every plan and model to meet real underwriting standards. What I do 📌 SBA-compliant business plans (7(a), 504, microloans), investor-ready plans, franchise, landlord, export, strategic, continuity, and immigration plans (E-2, L-1A, EB2-NIW, EB-5, H-1B, O-1) 📊 Full 5-year financial projections, 3-statement models, investor-ready financial models with cap tables, and SBA acquisition models for business purchases 🧮 Feasibility studies and business plans for SBA and USDA Business & Industry loans, including financial projections, market analysis, and economic impact assessments 💼 Buyer-side financial analysis, business valuations, Quality of Earnings reports and reviews, seller add-back and earnings review, cash flow and DSCR/debt service analysis, and post-close forecasting 📣 Pitch decks, executive summaries, CIM/OMs, investor teasers, and consulting for SBA loan readiness and funding strategy My work is designed to be clear, defensible, and easy for lenders, investors, and management teams to follow, with rush delivery (including 72-hour options) available when timelines are tight. Why clients work with me Most business plan writers and modelers guess what lenders and investors want; I work with them daily and build your package around real SBA, USDA, and private lending standards. I focus on decision-grade analysis, realistic and defensible assumptions, and clean Excel models that support acquisition planning, financing strategy, and ongoing management. Funding and approval outcomes My work has supported SBA 7(a) loans from 350K to 5M+, USDA Business & Industry loan approvals, investor raises including a recent 5MM SaaS deal, and multiple immigration visa approvals. Examples include a 600K SBA 7(a) loan for a deli, a 1MM+ SBA loan for a pickleball franchise, and a 4MM USDA-backed storage facility loan, along with numerous lender-ready and investor-ready packages from day one. If you need a business plan, financial model, feasibility study, or acquisition analysis that can stand up to lender and investor scrutiny and move your deal toward approval, message me and let’s discuss your project.

Two finance professionals with a combined [12]+ years across private equity, investment banking, and corporate strategy. We have worked on both the buy side and the advisory side, building the models, research, and decision-ready materials that investment committees, deal teams, and founders rely on to move capital. One of us comes from a buy-side investment research and holding company background focused on serial acquisitions and long-term value creation. The other comes from strategy and M&A advisory across private equity, pharmaceuticals, and hospitality. Together that gives you a rare mix of investor judgment and hands-on execution on the same engagement. Between us we have supported a 3 billion dollar plus private equity and growth-equity portfolio, structured investment theses and IC memos, led commercial due diligence on live acquisitions, and built the valuation models and board-grade analysis that informed hundreds of millions in capital deployment. We have run market sizing and competitive landscaping, stress-tested management revenue and margin plans, designed value creation and post-merger integration plans, and translated messy commercial and operational data into clean recommendations that leadership can act on. The work we produce is meant to sit in front of an investor, a board, or an investment committee without rework. What sets us apart is how we combine traditional finance rigor with modern AI automation. We build custom tools using Claude Code and the Anthropic API to accelerate research, data extraction, document processing, and reporting. That means we can turn around deep research studies, large data sets, and recurring reporting faster than a conventional analyst, without cutting corners on accuracy. If your project involves pulling and structuring data from filings, websites, or PDFs, benchmarking a large universe of companies, or standing up a repeatable reporting workflow, this is where we save you the most time and money. Our core services include financial modeling such as DCF, LBO, comparable company analysis, three-statement models, EBITDA bridges, Pitchdeck, Company Research, List building, Market Research, Lead generation, Teaser, Investment Memo, Investment deck, and scenario analysis. We do valuation work for fundraising, M&A, and internal decision making. We deliver investment research covering market sizing, competitive landscaping, and company and sector deep dives. We handle commercial due diligence, value creation plans, and synergy analysis. We produce pitch decks, investment memorandums, and board or IC ready presentations. And we build AI-powered automation including custom research pipelines, data extraction tools, and reporting solutions. We are fluent in Excel and VBA, Power BI, Tableau, Capital IQ, Bloomberg, PitchBook, Alteryx, and SQL, alongside Python and Claude Code for automation.

A poor valuation doesn’t just cost you thousands—it can cost you millions $$$, along with wasted time and stress. I help searchers, 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 startups and 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.