I'm Disha Jain — a Chartered Accountant and US-certified CMA running a remote finance practice for small businesses across the US, UK, Australia, and New Zealand. Bookkeeping, fractional CFO services, and a shop of Excel templates built from real client engagements.
From cleanup and tax-ready books to fractional CFO retainers and packaged tools — every offering is scoped, fixed-fee where possible, and designed to make your numbers an asset, not an anxiety.
There's a moment when "we have a bookkeeper" stops being enough. When you need numbers you can stake decisions on. That's the gap I fill.
I'm an Indian Chartered Accountant (ICAI) and a US-certified Management Accountant (CMA, Institute of Management Accountants) with over seven years of finance experience. I run a remote practice serving small businesses in the US, UK, Australia, and New Zealand — combining the technical rigor of US accounting standards with the responsiveness of a senior partner who actually picks up the phone.
Over those years, I've worked across healthcare, tech, consulting, and eCommerce — building 13-week cash flow models, leading system migrations from desktop to QuickBooks Online and Xero, and architecting FP&A frameworks that let founders see around corners.
My clients hire me when they need more than a bookkeeper but can't justify a full-time CFO. I work in US English, on US business hours when needed, and run the back office like an operator — not a vendor.
I'm based in Delhi, India, and serve US clients remotely. Many of my clients are US founders who hire me for the same reason they'd hire any specialist contractor — the work is good, the rate is fair, and the working relationship is clear.
I work in US business hours when needed (Slack and email get same-day responses, calls scheduled to your timezone), invoice in USD, and deliver in US English. Engagement terms are clean: NDA, Master Services Agreement, and Statement of Work — same as any domestic contractor relationship.
For US tax-deductible expenses, I'm a foreign service provider. Your accountant handles the standard treatment for international contractors. I'm not a CPA and I don't sign US tax returns — for filings that require a US-licensed preparer, I coordinate with your existing CPA or refer to a licensed partner.
Wire, ACH (via international rails), or platforms like Wise.
Same-day Slack/email, calls scheduled to your time zone.
NDA, MSA, SOW — same paperwork your CPA expects.
I work alongside your US-licensed CPA for tax filings.
The same Excel models, dashboards, and SOPs I build for clients — packaged so you can implement them yourself in an afternoon. Free starter resources and premium templates.
Everything I'd hand a new founder on day one. 13-week cash flow, monthly P&L dashboard, KPI tracker, board reporting, SOPs.
The exact rolling forecast I build for CFO clients. Plug in your numbers, see your runway.
Revenue, margin, runway, CAC, LTV — one view. SaaS, eCom, and services variants.
Plan vs actual budgeting with variance analysis. Departmental rollups included.
US GAAP-aligned COAs for SaaS, eCom, services, and construction. QuickBooks import ready.
15 SOPs covering reconciliations, accruals, reporting, and review. Word + Notion versions.
True profitability per product. Pulls from A2X, deducts fees, ads, fulfillment per unit.
Match Amazon payouts to bank deposits. Fees broken out by category. FBA-ready.
5 templates: ARR tracker, cohort retention, CAC payback, runway model, board pack.
No long discovery decks. No surprise scope creep. A clean four-step rhythm that gets us from "hello" to "books I trust" — usually inside 30 days.
42 checkpoints I run every cleanup engagement against — the same diagnostic I use to spot $10K+ errors in a QuickBooks file in under 30 minutes.
Daily, weekly, monthly, and quarterly tasks. Free PDF — no email gate, just download and use.
30-minute call. No pitch deck, no hard sell. Just a real conversation about where your finances are today and the cleanest path to where you want them.