Muhammad H.

Founders and business owners: I keep your books accurate, turn them into clear reports, and give you CFO-level advice on profit, cash and growth, without the cost of a full-time finance hire. I'm a CPA (ICPAP) and CISA (ISACA), Top Rated Plus on Upwork with nearly 100 projects for clients in the US, UK and Australia. I work in three roles that small and growing businesses need but rarely hire full-time: fractional CFO, bookkeeper and financial data analyst. FRACTIONAL CFO • Financial models, budgets and three-statement forecasts (P&L, balance sheet, cash flow) • Cash flow forecasts, runway and scenario planning • Investor, lender and board reporting packs • M&A support: financial reports, earnings quality reviews and due diligence • Pricing, margin and unit economics analysis BOOKKEEPING • Monthly bookkeeping and month-end close in QuickBooks Online and Xero • Bank, credit card and payment processor reconciliations • Cleanup and catch-up of months or years of backlog, ready for your tax preparer • Chart of accounts redesign, AP and AR cleanup, system setup and migration DATA ANALYSIS AND REPORTING • KPI dashboards in Excel and Google Sheets • Sales, customer and accounting data turned into reports you can act on • Cohort, churn, customer value and revenue concentration analysis • Automated reconciliations and reports that update from your books CONTROLS AND AUDIT SUPPORT • Internal control and bookkeeping health checks, tested the way an auditor would • Audit workpapers, financial statement reviews and forensic accounting CREDENTIALS AND TOOLS CPA (ICPAP) · CISA (ISACA) QuickBooks Online, Xero, Zoho Books, Sage 50, MYOB, Wave, Excel, Google Sheets HOW WE START Give me view-only access to your books, or send the data you have. I'll tell you what I see and what it would take to get you where you want to be, before you commit to anything.