Saad M.

Fractional Finance Partner | AI-Powered Monthly Reporting & FP&A

I help US small businesses turn raw QuickBooks data into the monthly financial pack they actually use to run the business → board-ready, on time, every month. Most SMB owners are stuck in one of two places. Either they have a bookkeeper who delivers a P&L that nobody reads, or they have no finance function at all and run the business on gut feel. I'm Saad Memon, ACCA-qualified, with 8+ years in finance, including Big 4 (EY) and listed-company experience. I currently run reporting and analysis for a UAE-listed holding company. On Upwork, I've delivered many jobs with 100% Job Success. What I deliver as a Fractional Finance Business Partner: 1. Monthly management pack: P&L with variance analysis, balance sheet snapshot, cash flow, KPI dashboard, written commentary on what moved and why. 2. 13-week cash flow forecast: rolling, updated monthly. 3. Board decks and investor updates: for businesses raising capital or reporting to a board 4. 3-statement financial models: for strategic planning. 5. AI-augmented workflow: I use modern AI tools throughout my delivery pipeline, which means faster turnaround and lower cost than a traditional consultant. Your books stay in QuickBooks; the analysis layer is mine. How this is different from a bookkeeper: A bookkeeper records transactions. “I tell you what they mean.” My deliverable is the insight layer that sits on top of your books, so the business owner walks into every month knowing exactly where the money is going, what's working, and what to fix. Type of Engagement: → Discovery call (free, 30 min) - I review your QuickBooks setup and identify the highest-leverage reporting gap → Pilot month - I deliver one full monthly pack so you can see the quality before committing → Monthly retainer - recurring delivery, fixed price, cancel anytime Past results: → Reduced the monthly reporting cycle by 65% for a finance team through automation and template redesign → Built investor-ready dashboards that materially improved fundraising readiness → Delivered XBRL-compliant financial reporting for a listed entity → Produced board packs and variance commentary that decision-makers actually read Industries I work best with: E-commerce, agencies, and consultancies. Any business with Revenue between $100K and $5M. Time zone: I work in the US (Eastern Time Zone) Let's talk. Send me your latest P&L and three questions you wish your numbers could answer. I'll come back with a free 15-minute Loom walkthrough of where the gaps are.