M. F.

Startups run out of cash before they run out of ambition. I help founders and SMBs see it coming and plan around it. ICAEW/ACCA Chartered Accountant. Former Deloitte Professional with extensive years of experience building cash flow models, FP&A frameworks, and board-ready financial reporting for startups, SaaS, e-commerce and multi-entity businesses across the US, UK, Canada, and the Middle East. What I do for clients: • 13-week cash flow forecasting & runway planning • Budget vs actuals tracking & variance analysis • FP&A dashboards in Excel, Power BI & Google Sheets • Investor-ready financial models & due diligence support • Monthly close, management accounts & board reporting • ERP setup: QuickBooks, Xero, NetSuite, Sage, Odoo Top Problems I Solved: 1. Unpredictable cash shortages threatening operations (US e-commerce brand). → I built a rolling 13-week cash-flow forecast. → Avoided an emergency funding round. 2. No reliable reporting to guide decisions (Canada-based client). → I rebuilt cash-flow, budgeting, and management reporting. → Cut reporting/forecasting time by 60%. Identified 25% in potential cost savings. 3. Slow collections and uncontrolled payables draining cash (AI startup). → I redesigned AR/AP and collections workflows. → Cut admin time 30% and freed up working capital. 4. Numbers needed to survive investor/acquirer scrutiny (Deloitte M&A engagements). → I led financial due diligence. → Gave clients and acquirers the confidence to close. 5. A multi-subsidiary group with no consolidated financial view (Deloitte, Group Accountant role). → I led consolidation across 10+ subsidiaries and built 5-year forecasts. → Delivered audit-ready consolidated reporting and improved forecast accuracy by 20%. Who I work with: Startups and growth-stage companies — SaaS, e-commerce, and multi-entity or multi-currency operations — across the US, UK, Canada, Australia, and the Middle East, who need cash flow clarity and numbers they can hand to a board or investor without redoing them. Tools: QuickBooks Online/Desktop, Xero, Sage, Wave, SAP, Odoo, Zoho Books, NetSuite, Excel (Advanced), Power BI, Tableau, Google Sheets, Rippling, Bill, Ramp, Gusto, Chargebee, Hubspot. I work with founders and finance teams who need a senior financial brain without a full-time CFO price tag. If your cash flow is unclear or your numbers aren't board-ready message me.