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Saad A.
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Saad A.

Fractional CFO | CAF~CPA | QBO & Xero | Shopify | A2X | Stripe

Hi, this is Saad, Founder & CEO of APAKUS Consulting Services LLC, a Wyoming-registered accounting and taxation firm providing secure, scalable, and data-driven accounting, bookkeeping, CFO, tax coordination, and financial advisory services across the US, UK, and Canada. I am a PwC-trained professional in Data-Driven Decision Making, an Auditor turned Accountant with a CAF degree, 15+ years of experience, and ProAdvisor certifications in QuickBooks Online and Xero. I also have hands-on experience with Oracle NetSuite, Sage Intacct, Microsoft Dynamics 365 F&O, Oracle ERP, Wave, and modern eCommerce/accounting integrations. My background combines strategic financial leadership with deep operational accounting expertise. I help founders and CEOs move beyond basic bookkeeping into financial clarity, cash flow control, profitability optimization, operational efficiency, and scalable decision-making. Previous consulting roles include: • Financial Management Consultant with the World Bank via MoPH (2019–2020) • Financial Management & Program Management Consultant with USAID, UNDP, UNHCR, and Oxfam (2014–2017) Over the last 5+ years, I’ve worked with startups, SaaS companies, agencies, healthcare businesses, consulting firms, eCommerce brands, inventory-based businesses, and multi-entity operations across the US, UK, and Canada. ━━━━━━━━━━━━━━━ FRACTIONAL CFO & ADVISORY SERVICES ━━━━━━━━━━━━━━━ • Financial Modeling & Forecasting • Cash Flow Management & Optimization • KPI Dashboard Development • Budgeting & Variance Analysis • Pricing & Profitability Analysis • Investor & Board Reporting • Business Analysis & Valuations • Strategic Financial Planning • Rolling Cash Flow Forecasts • Operational Finance Optimization • Investor-Ready Financial Projections & Business Plans I help businesses transform their P&L, Balance Sheet, and Cash Flow into strategic decision-making tools that support growth and profitability. ━━━━━━━━━━━━━━━ ACCOUNTING & BOOKKEEPING SERVICES ━━━━━━━━━━━━━━━ • Full-Cycle Accounting & Bookkeeping • GAAP & IFRS-Compliant Accrual Accounting • Cash & Accrual Basis Bookkeeping • Company Setup & Accounting System Implementation • Multi-Entity & Multi-Currency Accounting • AP/AR Management • Payroll Journal Entries & Reconciliations • Bank, Credit Card & Loan Reconciliations • Payment Processor & Merchant Reconciliations • Financial Statement Preparation • Month-End & Year-End Close • Audit Support & Financial Reporting • Cleanup & Catch-Up Bookkeeping • Inventory & eCommerce Accounting • Revenue Recognition & Deferred Revenue Tracking ━━━━━━━━━━━━━━━ ECOMMERCE & OPERATIONAL FINANCE ━━━━━━━━━━━━━━━ Strong experience with: • Shopify • Stripe • PayPal • A2X • Amazon • Multi-channel marketplace reconciliation • Inventory accounting • Payment processor reconciliation • eCommerce profitability reporting • SaaS & subscription reconciliation workflows I help businesses automate and streamline workflows instead of relying on inefficient manual bookkeeping processes. ━━━━━━━━━━━━━━━ TECHNOLOGY & SYSTEMS ━━━━━━━━━━━━━━━ Accounting & ERP Platforms: • QuickBooks Online • Xero • Oracle NetSuite • Sage Intacct • Microsoft Dynamics 365 F&O • Oracle ERP • Wave Operational & Productivity Tools: • Slack • Teams • Zoom • Google Workspace • Asana • Todoist Payments & Business Tools: • Ramp • Stripe • PayPal • ADP Workforce Now • Shopify • Hint • GetHealthie ━━━━━━━━━━━━━━━ HOW WE WORK ━━━━━━━━━━━━━━━ Our service model is built around automation, security, communication, and continuity. • Dedicated Slack communication channel • Less than 1-hour response time during Eastern Time business hours • Backup team members for uninterrupted support • Secure, least-privilege workflows • Real-time work visibility if requested • Automation-first accounting processes • Monthly review by a Chartered Certified Accountant • Calendly access for strategy and review calls • Direct coordination with your CPA/tax team to keep everything aligned ━━━━━━━━━━━━━━━ MONTHLY BOOKKEEPING STRUCTURE ━━━━━━━━━━━━━━━ Basic / Cash Basis: • Transaction categorization & review • Bank and payment processor reconciliations • Automation through integrations • Ongoing support Advanced / Accrual Basis: • AP/AR management • Bills, invoices & payment matching • Accruals, prepayments & loan schedules • Month-end journal entries • GAAP & IFRS compliance workflows • Monthly financial reviews • Strategic advisory support ━━━━━━━━━━━━━━━ OUR APPROACH ━━━━━━━━━━━━━━━ We don’t just maintain books, we build scalable finance operations that help business owners focus on growth while maintaining accurate, audit-ready, and strategically useful financials. Whether you need strategic CFO guidance, investor-ready reporting, or reliable accounting operations running on autopilot, we help bring structure, visibility, and scalability to your finance function. If you're ready to move beyond basic bookkeeping and build a stronger financial foundation for growth, let’s connect.

🇵🇰Islamabad, Pakistan$20/hr100% JSS5.00 (13)Since Feb 2022

Earnings and projects

MRR
$1.8k

Last 6 months ÷ 6

World#25,169 / 412k
🇵🇰Country#2,861 / 52.9k
Revenue, last 30 days
$100

Last 6 months: $11k

World#91,754 / 412k
🇵🇰Country#12,649 / 52.9k
Total earnings
$79k

Billed in all: $83k

World#50,554 / 412k
🇵🇰Country#4,065 / 52.9k
Per project
$3.4k

$5.5k in the last 6 months

World#49,542 / 412k
🇵🇰Country#3,251 / 52.9k
Projects, last 6 months
2
0% fixed100% hourly
World#88,918 / 412k
🇵🇰Country#17,051 / 52.9k
Projects in all
23

Across 25 contracts

12% fixed88% hourly
World#120,400 / 412k
🇵🇰Country#19,894 / 52.9k

Earnings, last 30 days

$83.4k+$100 earned in the last 30 daysBilled in all, before Upwork's fee · drag across the chart to see what was earned in any stretch
$83,250$83,300$83,350$83,400Oct 8Oct 23Nov 7

Skill rankings: Top 5% in Professional Tone

Ranked by MRR among everyone on Upwork with the skill.

  1. #10Sage Intacct94 freelancers · 🇵🇰 #2Top 11%
  2. #45Professional Tone880 freelancers · 🇵🇰 #2Top 5%
  3. #128Oracle NetSuite769 freelancers · 🇵🇰 #26Top 17%
  4. #157Data Migration1,443 freelancers · 🇵🇰 #27Top 11%
  5. #198Management Consulting1,855 freelancers · 🇵🇰 #7Top 11%
  6. #213Accounting Basics2,774 freelancers · 🇵🇰 #28Top 8%
  7. #367Xero4,044 freelancers · 🇵🇰 #100Top 9%
  8. #421QuickBooks Online4,703 freelancers · 🇵🇰 #98Top 9%