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FOR E-COMMERCE FOUNDERS PAST $3M/YEAR

Bookkeepers record. CPAs file. We recover.

Get mental clarity from the finance side, so you can get back to what actually moves the business.

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$0.0M+
Cash Traced & Recovered
$0M+
Tax Saved
0%
Audit-Clean

WE LIVE INSIDE YOUR STACK

Twelve platforms. One CFO reading them like a CFO should.

We don't promise to find money. Sometimes we do anyway.

On one job, our 4-Way Reconciliation found $744,925.25 stuck in a processor hold. It was their money the whole time, just never traced. We can't promise a number like that every time, and recoveries are never guaranteed. But this is what happens when someone finally follows every dollar from your store to your bank.

Our 4-Way Reconciliation once found $744,925.25 stuck in a processor hold. Their money all along, just never traced. We can't promise that every time, but it's what following every dollar can surface.

THE 4-WAY RECONCILIATION case result: $744,925.25 recovered in held processor funds, traced, claimed and settled; merchant processor statement and statement-proof callouts visible.

The whole finance department.
One contract.

Recovery. Books. Tax. Compliance. Hiring. At the cost of one senior hire.

Reconciliation Gap

4-Way Reconciliation (in-house proprietary method)

Cash you already earned, stuck inside the platforms you sell on. Stripe and PayPal hold back 10–30% of each sale as a "reserve" and never release it. AMEX freezes funds over chargebacks that never happened. Airwallex caps payouts mid-month. Payoneer FX rates lag for weeks. Ad platforms refund dead campaigns into credits no one reads.

Cash stuck in Stripe/PayPal reserves, rolling holds, FX gaps. We reconcile every line back to your bank inside 90 days.

We log into every processor, gateway, bank, and ad account. We check every reserve, hold, chargeback, and FX line. The money lands back in your bank inside 90 days.

100% recovery floor, named in writing on day one. If we miss it, you don't pay us.

CORE ENTRY SERVICE
Books, accounting & tax

Closed by the 14th

Monthly books in Xero or QuickBooks, reconciled line-by-line to every Stripe payout, Amazon settlement, PayPal batch and ad-spend invoice. Quarterly tax filed on time. Year-end without surprises.

Books closed by the 14th. Quarterly tax filed. Year-end without surprises.

$11M+ saved through structuring most CPAs never touch, like Cyprus IP holdcos, HK offshore claims, US R&D and Section 174 catch-ups.

Team hire & manage

One number

Need a bookkeeper, controller, tax accountant, or finance manager? We find them in our network, test them against your stack, write the SOPs, and run them until the work is right.

We find, test, and manage finance hires from our network. One contract instead of four.

One relationship, ours, instead of four vendor contracts.

Compliance

0 audits

The rules that can close a DTC store overnight: ROSCA refund language, VAMP & MATCH dispute limits, FTC ad disclosures, state-AG consent flows, FDA claims, Meta & TikTok ad policy. We watch them monthly, so a regulator or processor flag never catches you cold.

ROSCA, VAMP, FTC, FDA, ad-policy compliance monitored monthly so flags never catch you cold.

Built into how the engagement runs, not how we sell it.

Receipts. Not theory.

Anonymized. Specific. Available under NDA.

View all receipts

Founder questions.

Four things every founder asks before signing.

Why founders consolidate.

Four vendors. One conversation. This is where the money leaks.

HQ CFO Bookkeeper Big-4 / CPA In-House Hire DIY
Stripe / PayPal / Amazon recoveryCore service, $30K–$340K typicalNot their jobNot their jobIf they know to lookYou won't
Books closed by the 14thEvery monthSometimes by the 20th30–45 daysDepends on the hireWhen you have time
E-commerce tax strategy (not just filing)Multi-jurisdiction, quarterlyFiling onlyFiling + annual reviewGeneralist unless seniorDIY
Sales tax nexus + VAT/GSTTracked, registered, filedNot handledAdd-on engagementMaybeYou'll find out at audit
Compliance (1099, KYC, processor docs)Done before they askNot handledReactiveReactiveReactive
Founder talks to the operatorAlways. Same person.Through a portalThrough 3 layersYes, your one hireN/A
First dollar recoveredDay 30–60NeverNever6 months inNever
ReplacesBookkeeper + CPA + controllern/an/aOne senior hiren/a
Annualized cost$30K–$90K$12K–$30K$40K–$120K + project fees$180K–$280K loadedFree
What you actually getA finance departmentA clean ledgerAn annual returnOne person's bandwidthA spreadsheet and anxiety
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Who you're working with.

Club Thapa, Founder of HQ CFO

Club Thapa

Founder · Hong Kong

THE STORY

Club Thapa runs HQ CFO. Eight years of tax and finance for e-com founders out of Hong Kong before this.

The pattern repeated. $400-800K/mo founder shows up for a tax question. First hour: $80-200K sitting locked across Stripe, PayPal, AMEX, Airwallex, Payoneer. Nobody had been told to look.

HQ CFO leads with the recovery audit because the dollars are always there.

8+

Years in e-com finance

Based in Hong Kong

$4.2M+

Recovered for founders

TRUSTED BY · ANONYMIZED

8-FIG DTC SKINCARE9-FIG SUPPLEMENT BRAND7-FIG INFO-PRODUCTSAMAZON FBA · $4M ARRB2B SAAS · HK BASEDDTC SUBSCRIPTION BEAUTY
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What you see every month.

A real CFO seat. The same dashboard and the same review rhythm for every client.

HQ CFO monthly dashboard: cash position, recovery tracker, P&L summary and close-status view shown to every client each month.

How an engagement works.

STEP 01

Complimentary Consultation

60 minutes, free. You keep every takeaway, no strings attached. Limited seats, first come first serve.

STEP 02

Proposal

A clear engagement letter. Everything you need, nothing you don't.

STEP 03

Engagement

Months 1–3: setup + house cleaning + optimisation. Months 4–12: steady-state CFO. Books closed by the 14th.

STEP 04

Renewal

Month 11 annual review. Most engagements upgrade tier.

Three tiers. 12-month bundled.

Recovery floor + operational SLA on every tier.

BARE MINIMUM

$2,500/mo

12-MONTH BUNDLED

$200K–$400K/mo operators.

  • Recovery audit, months 1–3
  • Books closed by the 15th
  • Single-source-of-truth consolidated P&L
  • Quarterly CFO call
  • Basic tax planning
  • Compliance oversee

Founding Cohort: limited slots remaining.

Get started
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STANDARD

$5,000/mo

12-MONTH BUNDLED

$400K–$1M/mo, multi-processor.

  • Recovery + onboarding, months 1–3
  • Bi-weekly CFO call
  • Standard tax planning
  • Single-source-of-truth consolidated P&L
  • 1 hr/mo founder-on-call
  • 1 HQCFO dedicated full-time staff (hire, fire, manage, upkeep)
  • Supported by whole HQCFO team behind the scene
  • Compliance oversee + execute
  • Important filing deadline monitoring
  • Quarterly QBR with tax-savings projection

Founding Cohort: limited slots remaining.

Get started

BESPOKE

$10K–$15K/mo

ENGAGEMENT-SCOPED

$1M–$5M+/mo, multi-jurisdiction.

  • Everything included from STANDARD plan
  • Weekly CFO call
  • Cross-border restructure
  • 4 hr/mo founder-on-call
  • Direct cell for crisis
  • Hires + runs your in-house finance team
  • Many more…

Founder-call qualified. Limited slots remaining.

Get started

Protect what you've built.
Compound what you keep.

One contract. Founder-led. Hong Kong.

Book a complimentary consultation