Ayman Fatima

Founder

I'm an ACCA Affiliate and accounting professional with experience across bookkeeping, accounting operations, financial reporting, forecasting, and financial analysis.

I founded The SaaS Ledger to build a bookkeeping practice focused specifically on SaaS and subscription businesses.

SaaS companies have financial challenges that don't always fit neatly into traditional bookkeeping. Subscription payments, Stripe and other payment platforms, deferred revenue, recurring revenue metrics, and the books themselves all need to work together if founders are going to trust their numbers. That's the problem I'm interested in solving.

Working with US founders

For the past few years I've worked mainly with Canadian clients, on monthly bookkeeping, accounts payable and sales tax calculations, so I'm used to working remotely with North American businesses and their CPAs. I'm based in Pakistan and work remotely and async-first, with live calls on weekdays between 9am and 2pm US Eastern time.

I'm not a CPA, and I don't prepare tax returns or audited financial statements. I keep your monthly books clean and reconciled so your CPA can do their part quickly.

Why SaaS?

A SaaS founder can look at several numbers that appear to describe the same business (Stripe revenue, accounting revenue, MRR, ARR, cash balance) and discover that they don't actually tell the same story. That's where good SaaS bookkeeping becomes more than categorizing transactions.

At The SaaS Ledger, I focus on the connection between:

Subscription data → Payment platforms → Accounting records → SaaS metrics → Financial decisions

The goal is simple: help founders understand and trust the numbers behind their business.

What I bring

My professional background combines accounting with financial analysis and data.

Accounting and bookkeeping

  • Bookkeeping and account reconciliations
  • Month-end close
  • Financial reporting
  • Accounts payable and receivable
  • Payroll reviews and accounting controls
  • QuickBooks Online
  • Xero

Financial analysis

  • Cash-flow forecasting
  • Financial modeling
  • KPI reporting
  • Management dashboards
  • Budgeting and forecasting
  • Financial analysis
  • Power BI and data visualization

At The SaaS Ledger, this background shapes how I keep and check the books. The services themselves are bookkeeping and internal management summaries for founders' own use.

This combination matters because bookkeeping should ultimately produce information that helps a founder make better decisions, not just a ledger that is technically up to date.

Building a SaaS-focused practice

The SaaS Ledger is intentionally focused on SaaS and subscription businesses. I'm building deeper expertise around the financial issues that matter most to SaaS founders, including:

  • Subscription and payment reconciliation
  • Stripe and SaaS payment workflows
  • Revenue and deferred revenue
  • MRR and ARR
  • Churn and customer metrics
  • Gross margin
  • Cash flow and runway
  • Clean handover of records to your CPA

I don't believe founders should have to choose between clean books and useful financial information. Your accounting records should provide a reliable foundation for understanding how your SaaS business is performing.

The philosophy

Your Stripe balance isn't your revenue.
Your MRR isn't your accounting revenue.
Your bank balance isn't your runway model.

And a QuickBooks file that looks tidy doesn't necessarily mean your SaaS numbers are reliable. The job of a good bookkeeping system is to make the underlying financial data dependable, and then make that data useful to the founder. That's what I'm building The SaaS Ledger around.

A practical, founder-focused approach

I work with founders who want more than someone who simply categorizes transactions at the end of the month. The focus is on understanding how the business actually works, how money moves through the payment and accounting systems, and whether the resulting financial information makes sense.

Where appropriate, that means looking beyond the general ledger and asking questions such as:

  • Does Stripe reconcile to the accounting records?
  • Does recognized revenue make sense relative to subscription activity?
  • Does MRR reconcile to the underlying customer data?
  • Are COGS and operating expenses classified appropriately?
  • Do the internal numbers support the decisions the founder is making?
  • Could the books be handed to your CPA without a clean-up?

Let's make your numbers more trustworthy

If you're building a SaaS business and want bookkeeping that understands the relationship between your subscription data, accounting records, and SaaS metrics, I'd be happy to talk.

The SaaS Ledger: SaaS bookkeeping and financial operations for founders who want to trust their numbers.

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