Your books are done. Your finances are still a mess.
Most small business owners have a bookkeeper. Very few have someone who can tell them why they're profitable on paper but broke in the bank, and fix it. That's what I do.
US · UK · India · Singapore · Australia · New Zealand · Europe
Zero
Compliance Penalties
QBO · Xero · Zoho
Certified
Does this sound familiar?
Sound familiar?
This is a finance problem, not a bookkeeping problem.
Bookkeepers record what happened. I tell you what it means, what's coming, and what to do about it. With 12+ years running finance for founder-led businesses across India and Singapore, including full P&L ownership, multi-entity reporting, and loan-ready financials, I bring CFO-level thinking at a fraction of the cost.
Services
What I do.
Tier 1
Stop the bleeding
Books Cleanup + Ongoing Bookkeeping
QBO, Xero, Zoho. Clean books from day one.
Full chart of accounts setup
Monthly transaction categorization
Bank and credit card reconciliation
Monthly financial reports (P&L, Balance Sheet)
Ongoing bookkeeping support
From $40/hr
For: Businesses with messy books or a bookkeeper gap.
For: Businesses raising capital, hiring, or planning for growth.
Beyond the main services
Other things I do.
These do not fit neatly into a tier but they are real problems I solve for clients regularly.
Tax Filing
Individual and business tax returns
Filing personal and business tax returns across the US (PTIN registered), India, Singapore, and the UK. For Australia and New Zealand I offer tax review, preparation support, and advisory so your local agent can file faster and with fewer surprises.
Filing: US · India · Singapore · UK
Advisory and prep support: Australia · New Zealand · Europe
Business Formation
Company incorporations, done properly
Getting the structure wrong from day one costs you later. I walk you through the right entity type for your situation, handle the paperwork, and coordinate with local agents where needed. You just tell me what you are building.
For European incorporations I work with local registered agents for filing. Estonia OÜ via e-Residency is fully remote with no local presence required.
Add-on
Personal Finance
Your personal finance secretary
Most people who have worked hard to build wealth do not have a visibility problem. They have a discipline and structure problem. I give you a clear picture of where your money goes every month, identify what can be cut or redirected, and help you build a simple system so your income consistently moves toward the goals you have actually set for yourself. No investments, no portfolio management. Just clarity, structure, and fewer financial surprises.
Available worldwide · Fully remote
Payroll
Payroll setup and ongoing management
From setting up your first payroll to running it every month without errors, I handle the full cycle. Employee onboarding, tax withholdings, contractor payments, compliance filings, and year-end forms. I work across Gusto, ADP, Paychex, and Zoho Payroll so you are not locked into any one tool.
Available worldwide
Full payroll management: US · India · Singapore · UK. Advisory and setup support: Australia · New Zealand · Europe.
CFO on Call
A senior finance brain, available when you need one
Not every business needs a full-time CFO or even a monthly engagement. Some just need a sharp finance person to call before signing a deal, hiring someone expensive, taking on debt, or making a big bet. That is what this is. A retainer of 2 to 4 hours per month, no deliverables, no reports, just clear thinking when it matters most.
Available worldwide · Retainer based
One-Time Cleanup
Books cleanup as a standalone project
Tax season is six weeks away and your books are a mess. You do not need an ongoing engagement, you just need someone to go in, fix it, and hand you back a clean set of financials you can actually file from. That is exactly what this is. Fixed scope, fixed price, done in days not weeks.
Loan applications and grant packages, built to get approved
Banks and lenders want clean financials, a credible story, and the right numbers in the right format. I build the full package: financial projections, cash flow models, DSCR analysis, use-of-funds breakdown, and supporting schedules. Covers SBA loans, business lines of credit, MSME loans in India, and government grant applications across multiple jurisdictions.
US · India · UK · Singapore · Australia · New Zealand
Do not see what you are looking for?
If it is anything finance, chances are I do it. Reach out and tell me what you are trying to solve. The worst I can say is it is outside my scope, and honestly that does not happen very often.
Saurabh will make your life and accounting headaches easier! I had no capacity for tax preparation or calculating and problem solving for taxes. It was my home service business' first year to file taxes. It was so helpful to have him managing the tasks, to-dos, and even keeping me on track. I have had several bookkeeping freelancers ghost me, even from Upwork! Was a pleasure to work with Saurabh, and very grateful and appreciative of your availability, timeliness, responsiveness, and would love to work with him again for any bookkeeping and accounting needs!
"
Aaron
E-commerce Business Owner · San Francisco, California, US
I hired Saurabh to clean up my QuickBooks Online and help with tax filing for my ecommerce business. He delivered on both and then some. The QBO cleanup was meticulous, he worked through multicurrency transactions and categorization issues that had been piling up for months, and handed back a set of books I could actually use. On the tax side, he handled my business income and all the supporting forms, and was patient in walking me through what everything meant. He clearly knows this work, he anticipated issues before I raised them. He's now handling my ongoing bookkeeping, and I have no complaints. Consistent, reliable, no hand-holding required. Highly recommend for anyone needing hands-on QBO work or ecommerce bookkeeping and tax support.
"
Viral C.
F&B Business Owner · Wellington, New Zealand
I worked with Saurabh to manage the financials for my F&B business in Wellington, NZ, and the experience was fantastic. He managed our day-to-day accounting, provided invaluable weekly performance insights, and handled all the back-and-forth with my tax advisor for our tax returns. It was a massive relief to know the financial side of my business was in such capable hands. Highly recommended for any business owner seeking reliable, proactive financial support.
SB
About Saurabh.
I'm a Mumbai-based finance operator with 12+ years running the full finance function for founder-led businesses. I've owned everything from day-to-day bookkeeping to board-level reporting, across India and Singapore, simultaneously managing HR and compliance with zero penalties. I work with small businesses across the US, UK, Australia, Canada, Europe, and Southeast Asia remotely, at 40 to 50% the cost of a local hire, with none of the hand-holding.
When I'm not in the books, I'm brewing V60 coffee and riding long distances on my bike. Both require patience and attention to detail, which is probably why I like finance.
QuickBooks
ProAdvisor
Xero
Certified
Zoho Books
Certified
Tools
My tech stack.
Every tool I use is one I've actually worked in, not just listed.
Accounting
QuickBooks
QuickBooks Online
Xero
Xero
Zoho Books
Zoho Books
Wave
Wave
FreshBooks
FreshBooks
Tally
Tally
ERP
ERPNext
ERPNext
Zoho One
Zoho One
Payroll
Gusto
Gusto
Zoho Pay
Zoho Payroll
ADP
ADP
Paychex
Paychex
CRM
HubSpot
HubSpot
Apollo
Apollo
Attio
Attio
Project Management
Jira
Jira
ClickUp
ClickUp
Spreadsheets
Excel
Microsoft Excel
Sheets
Google Sheets
Automation
Zapier
Zapier
n8n
n8n
Communication
Slack
Slack
Gmail
Gmail
WhatsApp
WhatsApp Business
AI Stack
Claude
Claude
ChatGPT
ChatGPT
Gemini
Gemini
NotebookLM
NotebookLM
FAQ
Common questions.
Yes, fully. I work with clients in the US, Australia, UK, and Canada regularly. Whether you prefer live calls during your business hours or async communication where I work while you sleep and deliver by your morning, I adapt to whatever works best for you. Time zones have never been a barrier for any of my clients.
It depends on the work. For bookkeeping and controller work, I work across QuickBooks Online, Xero, Zoho Books, Wave, and FreshBooks. If you do not have a tool yet, I will help you choose the right one for your business size and set it up from scratch. For FP&A and projections work, I build models in Excel and Google Sheets, so no specialist software is needed on your end.
A bookkeeper records what happened: transactions categorized, accounts reconciled, reports generated. A fractional controller goes further: building the processes, analyzing those reports, identifying what the numbers mean for your business, and giving you actionable insights. If you are just starting out or need clean books, start with bookkeeping. If you are growing, making hiring decisions, or need someone who can tell you why your cash keeps disappearing, you need a controller.
After you sign on, here is what happens in the first week: Day 1, we have a 30-minute kickoff call where I learn your business structure, current tools, and priorities. Days 2 and 3, I get read-only access to your books and do a diagnostic review, identifying gaps, errors, and anything that needs immediate attention. By Day 5, I send you a plain-English summary of what I found and a 30-day action plan. From there we move into the regular working rhythm, whether that is weekly check-ins, monthly close, or async updates, whatever fits your workflow.
Both, and I will recommend whichever fits your situation better. For one-off projects like a books cleanup, a financial model, or a loan package, hourly works well so you only pay for what you need. For ongoing work like monthly bookkeeping or fractional controller services, a fixed monthly retainer gives you predictability and usually works out more cost-effectively. We discuss this on the discovery call and I will be upfront about what makes sense for your specific needs.
You don't need more bookkeeping. You need someone who understands your business.
Book a free 30-minute call. No pitch, no pressure. Just an honest look at your numbers and what they're telling you.
Verified
