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.
Earnings and projects
Last 6 months ÷ 6
Last 6 months: $11k
Billed in all: $83,376$83k
$5.5k in the last 6 months
Across 25 contracts
Earnings, last 30 days
Skill rankings: Top 5% in Professional Tone
Ranked by MRR among everyone on Upwork with the skill.
- #10Sage Intacct94 freelancers · 🇵🇰 #2Top 11%🇵🇰#2 of 15
- #45Professional Tone880 freelancers · 🇵🇰 #2Top 5%🇵🇰#2 of 20
- #128Oracle NetSuite769 freelancers · 🇵🇰 #26Top 17%🇵🇰#26 of 140
- #157Data Migration1,443 freelancers · 🇵🇰 #27Top 11%🇵🇰#27 of 333
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- #213Accounting Basics2,774 freelancers · 🇵🇰 #28Top 8%🇵🇰#28 of 324
- #367Xero4,044 freelancers · 🇵🇰 #100Top 9%🇵🇰#100 of 1,043
- #421QuickBooks Online4,703 freelancers · 🇵🇰 #98Top 9%🇵🇰#98 of 1,091