Tamem

One partner for your whole finance function.

Three disciplines, six service lines, 33 defined services. Use one line or combine them under a single engagement. Every scope is quoted after a two-week discovery.

Financial servicesAccurate books, funding readiness and clear partner terms.
  • Accounting and Tax
  • Valuation and Funding
  • Partnerships and Contracts
Strategic planningCFO-level judgment and plans that steer decisions.
  • CFO as a Service
  • Financial Planning
Audit and assuranceInternal audit, controls and audit-ready records.
  • Audit and Assurance

Discipline

Financial services

Accurate books, funding readiness and clear partner terms. It forms the base of the Tamem mark.

An accountant reviewing financial statements
The books

Accounting and Tax

Accurate books and obligations met on time.

Bookkeeping, reconciliations, financial statements, tax, zakat and payroll compliance, run on a fixed schedule so the founder no longer carries the books.

What is included 6

  • Bookkeeping

    Day-to-day recording and ongoing account follow-up.

  • Bank reconciliations

    Every account matched to the bank, period by period.

  • Financial statements

    Statements and periodic reports prepared on a fixed schedule.

  • Account review

    Accounts checked against local and international standards.

  • Tax and zakat

    Calculation, preparation and follow-through on every obligation.

  • Payroll and statutory processes

    Mudad and Iqama in Saudi Arabia, social insurance in Egypt.

An advisor walking a founder through a valuation report
The round

Valuation and Funding Readiness

Ready before the investor conversation starts.

Fair value, valuation reports and due diligence preparation, so your financial story stands up to questions at any stage from pre-seed onward.

What is included 6

  • Investment readiness plan

    A financial plan that prepares startups and SMEs for funding rounds.

  • Performance analysis

    Financial statements and operating performance, read the way investors read them.

  • Fair value

    An evidence-based fair value for the company.

  • Asset and cash flow valuation

    Assets, liabilities and cash flows valued in detail.

  • Valuation reports

    Reports that support a sale, an acquisition or a new partner's entry.

  • Due diligence preparation

    Financial records ready for review at any stage, from pre-seed onward.

Two business partners in conversation
The terms

Partnerships and Contracts

Clear terms between partners, before they are tested.

Partnership agreements, decision rules, partner matching and contract review, so roles, shares and decisions are agreed before they cause disputes.

What is included 4

  • Partnership agreements

    Each partner's role, responsibilities and share, written down clearly.

  • Decision rules

    How decisions get made, agreed upfront to prevent disputes.

  • Strategic partner matching

    The right partners connected after studying business fit and shared goals.

  • Contract review

    Agreements reviewed on financial, legal and sharia terms.

Discipline

Strategic planning

CFO-level judgment and plans that steer decisions. It forms the direction of the Tamem mark.

A Tamem advisor leading a planning session with a client team
Finance leadership

CFO as a Service

Finance leadership without a full-time hire.

Team design, financial and strategic planning, governance, reporting and hands-on implementation. You get CFO-level judgment and the follow-through to put it into practice.

What is included 6

  • Finance team design

    The right team size, roles and finance org chart.

  • Financial and strategic planning

    A clear financial direction for the year ahead.

  • Financial governance

    Clear authority and approvals, with ownership kept separate from management.

  • Management reporting

    Reports and KPIs that leadership can act on.

  • On-site support

    Field visits and accountant placement when the work calls for it.

  • Hands-on implementation

    We put the plan into practice and answer for the results.

A finance lead working through a forecast on his laptop
The numbers

Financial Planning and Analysis

Numbers that steer decisions, not just record them.

Budgets, forecasts, cash flow, profitability, margin targets and marketing return, built so leaders can decide where money goes next.

What is included 6

  • Budgets and forecasts

    Annual budgets and rolling financial forecasts.

  • Cash flow and liquidity

    Cash managed so the business never runs short.

  • Profitability analysis

    Revenue, cost and margin analysis by product and activity.

  • Margin targets

    Gross and net margin targets set for your business model.

  • Marketing and sales spend

    How much to spend, and the return it brings back.

  • Decision support

    Financial input on financing and investment choices.

Discipline

Audit and assurance

Internal audit, controls and audit-ready records. It forms the checks of the Tamem mark.

A business owner who relies on clean, audit-ready records
The checks

Audit and Assurance

Controls you can rely on, and records ready for any review.

Internal audit, controls design, compliance checks and external audit preparation. Licensed external auditors issue statutory audit opinions. We make sure your records are ready for them.

What is included 5

  • Internal audit

    Risk-based reviews of processes, records and controls, with findings ranked by priority.

  • Internal controls design

    Approval limits, segregation of duties and control checklists sized to your company.

  • External audit preparation

    Books, schedules and supporting documents ready for your statutory auditor.

  • Compliance health check

    Tax, zakat, VAT and payroll obligations checked for gaps before deadlines.

  • Policies and procedures

    Finance manuals that set out how money is approved, spent and recorded.

How engagements work

Start small. Earn the next step.

  1. 2 weeks · DiscoveryHow your finance runs today.
  2. 3 months · EngagementDefined deliverables, one owner.
  3. 12 months · Annual planBudget and targets for the year.
How we work

Poke me. I do the routine work.

Alongside every engagement

Tamem Agent does the routine work.

A dedicated finance agent for your company, run on Tamem servers. It prepares the drafts. A person approves every one.

  1. PreparesEntries, reconciliations and schedules
  2. FlagsEvery exception, with its source
  3. Waits for youNothing posts without approval
Take a quick lookVisit the agent page

Questions

About our services.

Can we start with one service line?

Yes. Each line works on its own or alongside the others under a single engagement, with one team accountable for all of it.

How are services priced?

All services are quoted after a two-week discovery. The quotation sets out scope, deliverables and fees in writing. There is no published price list.

Do you replace our accountant or work with them?

Either. We can run the books for you, or work alongside your accountant and add planning, CFO-level support or audit readiness on top.

Is Audit and Assurance a statutory audit?

No. It covers internal audit, controls, compliance checks and preparation for your external auditor. Licensed external auditors issue statutory audit opinions.

Do you handle zakat and VAT?

Tax and zakat calculation, preparation and follow-through are part of Accounting and Tax. Compliance health checks in Audit and Assurance review tax, zakat, VAT and payroll obligations for gaps.

A Tamem advisor walking a client through a financial report

Start here

Not sure where to start? That is what discovery is for.

Discuss your finance needs
Quick look

Tamem Agent

A finance agent for your company, run by Tamem. It prepares routine work as drafts. A person approves every one.

  1. 01PreparesDrafts the routine work from your books.
  2. 02FlagsMarks every exception with its source.
  3. 03You approveNothing posts until a person signs off.

What it prepares

  • Bookkeeping entriesRecords transactions and proposes categories from invoices, receipts and bank lines.
  • Bank reconciliationMatches bank lines to the ledger and flags every item that does not match.
  • Invoices and payablesReads supplier invoices, checks them against what was ordered and queues them for approval.
  • Month-end closeRuns the close checklist, drafts accruals and tracks which documents are still missing.
One agent per companyRuns on Tamem serversMonthly retainer
Explore Tamem AgentAdd it to my quote

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