Vladimir J.

Fractional CFO and corporate-grade finance for startups and small businesses. — financial modeling, fundraising documents, investment analysis, SaaS & subscription metrics, and finance & marketing audits that turn numbers into decisions. My work is AI-accelerated and expert-directed. Advanced prompting + strict validation = clients get corporate-grade, rigorously tested deliverables in days, not weeks. A corporate finance and credit background: former bank underwriter with loan-approval authority and a credit manager handling exposures up to €50M — now delivering that rigor to startups and SMEs. 40 projects on Upwork, 100% Job Success. How I help: • Startups & fundraising — investor-ready 3-statement models, projections and scenario planning, unit economics, pricing and packaging (SaaS, subscription, marketplace, hybrid), pitch decks and financial storytelling, data rooms, valuation and dilution modeling, and runway/burn planning. • E-commerce & DTC — inventory and cash-flow forecasting, landed cost, COGS and SKU-level margin analysis, product/customer/channel profitability, multi-channel reporting (Shopify, Amazon, marketplaces), and working-capital optimization for inventory-heavy brands. • SaaS & subscription metrics — MRR/ARR, churn and net revenue retention, CAC, LTV and LTV:CAC, payback, cohort and retention analysis, and the KPI dashboards investors and boards expect. • Financing & working capital — loan-ready packages (bank, SBA-style, equipment, working capital), the right debt/equity capital structure, and guidance on which option actually fits (bank loan vs factoring vs supply-chain finance); cash-conversion optimization and B2B credit policy that cuts bad debt; Hardware-as-a-Service (HaaS) and Device-as-a-Service (DaaS) models optimization. • Investment & project decisions — ROI, IRR, NPV and payback for a new production line, equipment or expansion; bankable project-finance models for solar/renewables and real estate (DSCR, feasibility); and buyer-ready financials and financial due diligence for exits and acquisitions. • Finance & Marketing Audit (the CFO–CMO gap) — I review your financials alongside marketing spend and channel efficiency (MER, ROAS), brand positioning and messaging, and unit economics (CAC, AOV, CLV), then hand your marketing lead a full-funnel plan with clear expected MROI and payback — in the language your CFO speaks, so strategy gets approved and funded. • Fractional CFO / finance partner — a senior finance brain on call: forecasting, cash-flow oversight, fundraising, financing decisions, and board/investor reporting on a simple monthly retainer. Track record — I've helped clients raise capital, secure bank and investment loans, find alternative working-capital funding, improve cash flow, build complex hybrid business models, and optimize marketing spend for higher MROI — unlocking real growth. Send a few lines about your business and your goal, and I'll tell you exactly how I'd approach it.