Outsourced CFO
in Dubai
You know the revenue. You know the headcount. But you cannot answer what happens to cash in 90 days. That is the gap we close.
CHARTERED ACCOUNTANTS & AUDITORS
- Rolling Forecasts
- Board Reporting
- Tax Modelling
Stop Managing Money by Feel
A growing business without a finance function is steering with the dashboard lights off.
See Cash Forward
A 13-week rolling forecast updated weekly. You spot a shortfall in week six, not when a supplier's payment bounces.
Numbers Investors Trust
Board packs built to the standard investors and lenders expect -- not a printout from your accounting software.
Tax Mapped Early
Corporate tax exposure modelled from month one of engagement. No scramble during the nine-month filing window.
Strategy and Books in One Place
Your CFO and your bookkeeper share the same ledger. The forecast reflects yesterday's bank balance, not last month's export.
The Finance Function You Are Missing
Everything below is what a full-time CFO would own -- delivered on a monthly retainer.
Rolling Cash Forecast
13-week projection updated weekly with working capital targets and early warning triggers.
Monthly Close & Review
P&L, balance sheet, and cash flow closed by the 10th with written commentary on what changed.
Board Pack Preparation
KPI dashboards, variance analysis, and management narrative shaped for your audience -- investors, partners, or lenders.
Annual Budget
Bottom-up budget built from your revenue model, cost base, and hiring plan -- not a spreadsheet copied from last year.
Scenario Analysis
Financial impact modelling for expansion, new hires, pricing changes, or market entry before you commit.
Tax Exposure Modelling
Taxable income projections, free zone qualifying income review, and related-party transaction mapping under the 9% regime.
Fundraising Financials
Investor-ready models, data room preparation, and the numbers section of your pitch deck.
Controls & Approvals
Expense policies, approval workflows, and segregation of duties sized to your headcount -- not copied from a multinational playbook.
Working Capital Analysis
Receivables and payables cycle review, payment term benchmarking, and inventory turn optimisation.
Lender & Investor Updates
Quarterly reporting to capital providers, covenant tracking, and follow-up on committed actions.
We Built Finance Functions Before Selling Them
Ahmed Mahfoudh Chartered Accountants & Auditors runs bookkeeping, tax, and audit under the same roof. That matters for CFO work because your strategic advice comes from the people who already know your ledger -- not a consultant interpreting a reporting pack somebody else prepared. Our CFO engagements are led by chartered accountants who have set up finance operations for trading firms, service businesses, and free zone entities across Dubai. When the books, the tax return, and the forecast all come from one team, nobody wastes time reconciling three different versions of the truth.
What Changes When You Have a CFO
Hiring advice that sits outside your books is how you end up with a forecast that disagrees with your bank account.
The Forecast Matches the Bank
We build projections from your live ledger, not a month-old data export. When we say you will be short in week eight, that number reflects every invoice posted through yesterday. Most outsourced CFOs work from reporting packs their client's accountant prepared. Ours do not.
Fifteen Minutes on Cash Every Week
For businesses with variable revenue or tight supplier terms, we run a weekly cash call. Fifteen minutes. We review the rolling forecast, flag what shifted, and agree on one or two actions. No slide deck. Just the number that matters this week and what to do about it.
Your Tax Bill Is Never a Surprise
We model corporate tax exposure from the first month of engagement. Free zone qualifying income thresholds, related-party flows, exempt income -- all mapped before the financial year closes. The filing deadline is nine months after year-end. We use the other three productively.
Reports Written for Decisions, Not Compliance
A default P&L tells you what happened. A CFO report tells you what to do about it. We build board packs around the three or four metrics your business actually turns on -- not the twenty the software prints by default. Commentary explains the why, not the what.
Controls That People Follow
A 12-person services company does not need a procurement policy written for 500 people. We design approval workflows and expense limits that match your size. Tight enough to catch errors. Light enough that your team does not route around them by the second week.
We Help You Hire Our Replacement
When revenue justifies a full-time CFO, we write the job description, screen for technical fit, hand over every model and template, and support the transition. A clean handover takes two to four weeks. The goal is a finance function that runs without us.
Who Leads Your Finance Function
Chartered accountants who have built finance operations from zero across UAE industries.
Sameh Abdalla
CEO & Founder
Sami Abdallah leads the firm with expertise in accounting, audit, tax advisory, and consulting. He provides strategic guidance and supports long-term business growth across the UAE.
Ahmed Mahfoudh
Audit Manager
Ahmed Mahfoudh manages audit assignments and financial reviews with a focus on accuracy, compliance, and risk assessment. He delivers clear insights to strengthen financial control.
Ahmed Elbadawi
Legal Manager
Ahmed Elbadawi provides legal guidance, contract management, and compliance support. He helps protect business interests, reduce risks, and ensure smooth legal operations.
Ahmed Samir
Tax Manager
Ahmed Samir specializes in UAE VAT, corporate tax, and compliance services. He supports businesses in managing tax obligations while improving financial efficiency and compliance effectively.
Founders and Directors on Their CFO
Business leaders in Dubai who brought in financial leadership without a permanent hire.
“Clear forecasting, better cash flow control, and practical advice that supports real decisions. I feel more confident about the direction of the business.”
“We needed experienced financial guidance without hiring full-time. They improved our planning and reporting immediately. Practical, timely, and tailored to a growing company.”
“From cost control to long-term planning, everything is clearer and more structured. It brought a discipline we were missing.”
“They strengthened cash flow management and improved board-level reporting. Clear, relevant, and focused on results.”
“I needed high-level financial guidance to grow with more control. Better visibility, stronger planning, and recommendations that already improved performance.”
“Professional, strategic, and reliable. Financial clarity and direction we need to make informed decisions. The guidance is always relevant to our goals.”
Before You Bring in a CFO
Straight answers to what founders actually want to know before signing.
What does a fractional CFO actually do?
Everything a full-time CFO does -- forecasting, strategy, board reporting, tax planning, investor relations -- on a monthly retainer instead of a AED 720,000+ salary. You get the decisions. You skip the visa, gratuity, and office politics.
How is this different from having an accountant?
Your accountant tells you what already happened. A CFO tells you what is about to happen and what to do about it. We run both functions under one roof, so the forecast is always built on live numbers, not a month-old report.
What does it cost?
Monthly retainers for Dubai SMEs run between AED 5,000 and AED 25,000 depending on scope. A founder-led company with simple operations sits at the lower end. A business with investors, multiple entities, or free zone structuring sits higher. We scope after a two-week financial health assessment.
When should a company bring in a CFO?
When you cannot answer three questions from memory: what is your cash runway, what is your gross margin by product, and what happens to payroll if your largest client pays 30 days late. If any of those require opening a spreadsheet and hoping, it is time.
How often will I talk to my CFO?
Monthly close review at minimum. Weekly 15-minute cash call if your business has variable revenue or tight supplier terms. Between scheduled calls, your CFO is reachable by phone or email. No support tickets.
Can you help raise capital?
We build the financial model, prepare data room documentation, and produce the numbers section of your pitch deck. We support bank facility applications and lender negotiations with financial backing. We do not source investors or negotiate term sheets -- that is advisory banking work.
What about corporate tax?
We model your taxable income throughout the year. Free zone qualifying income, related-party transactions, exempt income -- all mapped and tracked so the filing is accurate and on time. The 9% corporate tax regime has specific rules that catch businesses off guard when reviewed only at year-end.
Our books are a mess. Can you still start?
Not with CFO work. A forecast built on unreliable books is a waste of your money. We clean up the backlog first -- usually two to four weeks -- and begin CFO advisory once the ledger is current and reconciled. Both are scoped separately.
Can we try before committing monthly?
Yes. A one-time financial health assessment covers your cash position, reporting gaps, tax exposure, and internal controls. It takes about two weeks and produces a prioritised action plan. Many clients start there and convert to a retainer after seeing where the gaps sit.
What if we eventually hire a full-time CFO?
That is the goal for most growing businesses, and we plan for it. We document every process, model, and template during the engagement. When the time comes, we help you hire, hand over a clean file, and support the transition over two to four weeks.
Do you sit in board meetings?
If your engagement includes board reporting, yes. We present the financial pack, field questions from investors or directors, and take away the action items. Between meetings, we handle follow-up reporting and any covenant compliance the board flagged.
How fast can we start?
The financial health assessment begins within a week of signing. It takes about two weeks. After that, the monthly retainer starts. First deliverable is usually a cash flow forecast and a 90-day action plan. Full reporting rhythm is in place by month two.
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