Arslan Zafar
m@arslanz.com
Finance Leader · Builder

Ten years across four continents taught me one thing: founders don't need more spreadsheets, they need clarity they can trust.

Currently building SaaS Ledger Co. Open to select advisory and board work alongside it.

Muhammad Arslan Zafar
My Story

Why I do this work

Every founder I've worked with has the same fear: that the faster the business grows, the less anyone actually understands the numbers behind it. That's the problem I've spent the last ten-plus years solving — as Head of Accounting & Finance, building out ERP implementations, and advising leadership teams across the US, UK, Middle East, and West/North Africa.

"The faster a business grows, the more it needs someone who actually understands the numbers behind it."

The work itself hasn't really changed over that time: get the numbers right, make them legible, make sure they hold up under real scrutiny. What's changed is who I do it for — increasingly the fast-moving, subscription-driven SaaS and services companies that most traditional finance practices were never built to serve well.

Accuracy · Collaboration · Integrity · Efficiency · Problem-solving · Continuous improvement

Proof

Situations I've walked into, and what changed.

"The business felt unprofitable. It wasn't. It just wasn't invoicing."

Services delivered but never billed, some as old as two years, because the team was busy winning contracts and the system never flagged what was slipping. I built the system and the team to close that gap: roughly $200,000 recovered in the first pass, and $100K+ a month in revenue that had been quietly leaking through missed invoices, billing errors, and duplicate vendor payments. Within a couple of months, leadership learned their business had been profitable all along.

"The books were three weeks behind. Every month."

Rebuilt the close end to end: cleared ten months of unreconciled ledgers, put ownership on every line, and made reconciliation a habit instead of a project. Within three months, the close ran inside the first ten days, and leadership was deciding on current numbers instead of last quarter's.

"The ERP implementation had already failed. Twice."

I scoped a purpose-built system around how the group's branches actually operated, working from the reports leadership needed backwards to every voucher and transaction, staying on top of the build daily, then training the team on it. Live in three months. Still running 5+ years later. The manual workarounds are gone, and the transaction-level visibility has caught fraudulent entries that the old process never could.

"Cash-heavy business, and the cash never quite added up."

Put real segregation of duties in place (finance, admin, HR, receivables, payables, each with their own lane) plus timely reconciliation and the right checks at every cash touchpoint. Savings landed around $40,000–50,000 a month, from controls alone.

"Every contract handled by hand. Every response waiting on someone's inbox."

Designed the processes and automations that took invoicing and client communication to roughly three times faster, with contracts handled cleanly end to end. Six months of build, then management got their time back: a live dashboard showing the true picture of the business, and a back office that scaled without adding headcount.

ICAP · IFA-UK · IPA Australia · MBA

Across the US, UK, Middle East, and West & North Africa.

Currently Building

SaaS Ledger Co

For years I kept seeing the same gap: modern, subscription-driven businesses being served by finance practices built for a different era. Slower, less legible, out of step with how these companies actually grow.

So I built one for them. SaaS Ledger Co is a remote-first accounting and finance operations firm for SaaS, ecommerce, subscription, and service businesses.

Built on more than a decade of finance leadership, and growing deliberately: taking on the founders I can genuinely do my best work for.

Working Together

I keep this deliberately small.

A few relationships a year, chosen for fit. Here's what those look like.

Advisory

Ongoing counsel for founders and leadership teams who want a finance mind in the room before decisions get expensive.

Partnerships

Longer-term business-building with people whose ambitions and standards match mine.

Fractional CFO

Select engagements: owning the finance function for a small number of companies at a time.

Writing

Things I'm thinking through.

The revenue you already earned, and never collected.

Why growing services and subscription businesses quietly leak six figures through missed invoicing, and how to find out in one afternoon if it's happening to you.

Read →
Your accountant sends reports. Your business needs answers.

Month-old PDFs tell you what happened; a live view of cash, receivables, and margin tells you what to do next.

Read →
The invoice went out. The money didn't come in.

Receivables discipline is the most boring competitive advantage in a services business: who chases, when, in what tone, and why "we'll invoice at month-end" costs you weeks of cash.

Read →

In Progress

You're profitable on paper and broke in the bank.

Profit and cash are different animals, and services businesses get caught between them every month. Where the money actually hides: unbilled work, retainers, payment terms, timing.

In Progress

Nobody owns the number.

When billing sits with sales, collections with admin, and reporting with an outsourced accountant, everything falls through the gaps between them. Every leak traces back to a missing owner.

Contact

If any of this sounded like your situation, say hi.

m@arslanz.com