$60-$160/hr finance and financial analysis work, on your schedule
Review a model's forecasts and investment memos with the scrutiny you give an analyst on your team. The judgment from years of closing books and defending forecasts is what AI labs pay for.
Trusted by top research companies
Hi, we're Zac and Jack, the founders of Terac. We want to talk to you directly, because you are the most important part of what we're building.
Terac is a community of experts. People who have spent years getting good at something specific and hard. The world is about to need more of you, not less. As AI takes on more of the world's work, the bottleneck shifts to the people who actually know what they're talking about.
Expert labor is the rarest resource in the world right now, and it is shockingly hard to find. The companies that need an FP&A analyst's eye on a forecast model spend weeks chasing people, paying placement fees, and settling for whoever is available. Meanwhile thousands of qualified people are sitting with knowledge that no one ever asks for.
That gap is what we're here to close. Every project that lands on Terac is routed to the people who actually know the answer, on their schedule, paid fairly, and only when the work is verified. No middleman taking a cut of your time. No vague gigs. No chasing checks.
We care about every single person in this community. If you join Terac, you're not a row in a database to us. We read the feedback. We answer the emails. We will fight for you when a customer is being unreasonable, and we will be honest with you when something on our side is broken. The quality of this panel is our entire company, and we owe you a serious bar.
If you've made it this far, here is what we're asking: claim your profile. Put your expertise on the record. Let the world's most ambitious teams come find you for the work only you can do.
Finance questions
Still curious? Write to us at support@terac.com.
Niche sub-specialties are among the most valuable work you can do. Models struggle most with low-volume, technical domains like tax-exempt debt or NAV methodology. Your specific depth catches errors a generalist reviewer never would.
Active status is not required. What matters is that your experience reflects genuine domain expertise, whether you hold an active CFA, CPA, CFP, CAIA, FRM, or a lapsed equivalent. You're matched to tasks that fit your knowledge, not your current dues.
You evaluate AI reasoning and worked examples, not personalized investment advice. You act as a subject-matter reviewer, not a registered adviser, so the work sits outside most firm compliance policies and the CFA Standards. Check any employer outside-activity disclosure rules independently.
Tasks vary by specialty but typically include reviewing DCF models, critiquing credit memos and earnings analyses for accuracy, correcting financial statement walkthroughs, and annotating GAAP or IFRS treatment. You may also build worked examples showing how you'd approach a valuation from scratch.
Yes. AI is increasingly used for budgeting, forecasting, and variance work, and reviewers with hands-on rolling-forecast and driver-based modeling experience catch errors capital-markets reviewers miss. Experience with Adaptive Insights, Anaplan, or three-statement Excel models is relevant context for your tasks.
Why your expertise matters
Today's finance AI builds DCF models with clean formulas but nonsensical assumptions, confuses GAAP and IFRS lease treatment, and misreads capital structure. Catching that takes a senior analyst, not a textbook. Your call on whether output would survive review is what teaches these tools the difference.
How pay works
Top of the band goes to depth: a CFA covering leveraged credit, a Big Four CPA, a PM with derivatives background. All work is remote and billed hourly against accepted tasks. You're paid when a deliverable is approved, with no minimums or retainer.
What the work looks like
A sample of the finance and financial analysis work you would pick up. Every project is scoped, remote, and paid on verified completion.
- Review a model's DCF for a mid-cap industrial and flag the terminal growth rate and WACC inputs that ignore its real capital structure.
- Evaluate an AI-drafted LBO credit memo and catch where revolver draws were misclassified as term debt in the leverage covenant.
- Build a worked ASC 805 purchase price allocation, annotating each judgment call behind intangible identification and fair value step-ups.
- Stress-test a model's answer on Basel III Tier 1 capital, checking that it splits Additional Tier 1 from Common Equity Tier 1 correctly.
- Assess whether a machine-written 10-K risk section for a regional bank reflects CECL reserve methodology and SEC disclosure language.
- Rank two AI equity research reports on segment revenue build, comparable selection, and use of EV/EBITDA versus P/E multiples.
Specialties we match
Finance projects span a wide range of focus areas. Tell us where you go deep and we route the work that fits.
- DCF and LBO modeling
- Credit analysis and loan underwriting
- GAAP / IFRS accounting standards
- Equity research and sell-side analysis
- Derivatives pricing (options, swaps, structured products)
- Financial statement analysis
- SEC filings and regulatory disclosure
- Risk modeling (VaR, stress testing)
- Corporate finance and M&A advisory
- Fixed income and yield curve analysis
- FP&A and management reporting
- Bloomberg Terminal and FactSet
