A founder in a Riyadh office looking out over the city skyline

Startups and SMEs · Saudi Arabia and the GCC

Your completefinance function.

Accounting, strategic planning and audit readiness from one accountable partner. Plus an AI agent that does the routine work.

  • Two-week discovery first
  • One accountable partner
  • A person approves every agent output
  • Every engagement quoted

Move across the photo. It dissolves into data.

Who we work with

Built for the people who carry the numbers.

A founder seated in a modern Riyadh office
01 / 04Founders

You are building the company and still carrying the books.

What we take off your desk

  • Bookkeeping, tax and zakat on a fixed schedule
  • Management reports and KPIs you can act on
  • Finance leadership without a full-time hire

Where most start

Services

Six service lines. Start with one, or all.

Tap a line for a quick view. Every scope is quoted after discovery.

How we work

Start small. Earn the next step.

2weeks

Discovery

We learn how your finance runs today.

3months

Engagement

Defined deliverables and one accountable owner.

12months

Annual plan

Budget, expenses and targets for the year.

How an engagement runsKeep scrolling to walk through each stage.

The difference

Why one partner beats many.

What you getIn-house teamAccounting officeTamem
CoveragePartial. Depends on who you hirePartial. Books and taxFull. Books, tax, planning, valuation, terms and audit readiness
CFO-level judgmentPartial. Requires a senior hireNot covered. Usually outside scopeFull. Included as a service line
ImplementationFull. Yes, at full payroll costPartial. Limited to compliance workFull. Hands-on, accountable for results
Funding readinessPartial. Built from scratch when neededNot covered. Usually outside scopeFull. Prepared ahead of the round
Routine automationPartial. Depends on the tools you buyNot covered. Rarely offeredFull. Tamem Agent, run for you
Flexible commitmentNot covered. Long-term employmentPartial. Ongoing retainerFull. Two-week discovery first

FullPartialNot covered

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

At a glance

Tamem in eight facts.

  • MarketsSaudi Arabia and the GCC, plus Egypt
  • Six service linesFinance leadership to audit readiness
  • Tamem AgentAgent-as-a-Service, one per company
  • Built forStartups from pre-seed and SMEs
  • ModelTwo-week discovery, then a defined engagement
  • PricingQuotation-based, no price list
  • Human reviewEvery agent output approved by a person
  • Audit scopeInternal audit and audit preparation

Questions

Frequently asked.

What does Tamem do?

Tamem gives growing companies a complete finance function. That covers accounting and tax, financial planning and analysis, CFO-level support, valuation and funding readiness, partnership terms, and internal audit and assurance. One accountable partner implements the plan and answers for the results.

Who is Tamem for?

Startups from pre-seed onward and small and medium-sized companies that need a finance function before they can staff one. It also suits companies raising capital, companies with more than one partner, and firms operating in more than one market.

Which markets does Tamem serve?

Tamem focuses on Saudi Arabia and the wider GCC, and also serves companies in Egypt. Payroll and statutory processes cover Mudad and Iqama in Saudi Arabia and social insurance in Egypt.

How much does Tamem cost?

Every engagement is quoted. We start with a two-week discovery to understand your business, then propose a defined scope and a written quotation. Tamem does not publish a price list.

Does Tamem issue statutory audit opinions?

No. Tamem provides internal audit, controls design, compliance checks and external audit preparation. Licensed external auditors issue statutory audit opinions, and we make sure your books and records are ready for them.

What is Tamem Agent?

Tamem Agent is an Agent-as-a-Service product for SMEs and startups. Tamem deploys a dedicated finance agent for each subscribing company on Tamem servers. The agent prepares routine finance work as drafts for review, and each company pays a monthly retainer quoted to its scope.

Strategic planning

01 · Finance leadership

CFO as a Service

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.

  • Finance team designThe right team size, roles and finance org chart.
  • Financial and strategic planningA clear financial direction for the year ahead.
  • Financial governanceClear authority and approvals, with ownership kept separate from management.
  • Management reportingReports and KPIs that leadership can act on.
  • On-site supportField visits and accountant placement when the work calls for it.
  • Hands-on implementationWe put the plan into practice and answer for the results.

Best for: Companies that need CFO-level judgment before they can hire a CFO.

Financial services

02 · The books

Accounting and Tax

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

  • BookkeepingDay-to-day recording and ongoing account follow-up.
  • Bank reconciliationsEvery account matched to the bank, period by period.
  • Financial statementsStatements and periodic reports prepared on a fixed schedule.
  • Account reviewAccounts checked against local and international standards.
  • Tax and zakatCalculation, preparation and follow-through on every obligation.
  • Payroll and statutory processesMudad and Iqama in Saudi Arabia, social insurance in Egypt.

Best for: Every company, from the first invoice.

Strategic planning

03 · The numbers

Financial Planning and Analysis

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

  • Budgets and forecastsAnnual budgets and rolling financial forecasts.
  • Cash flow and liquidityCash managed so the business never runs short.
  • Profitability analysisRevenue, cost and margin analysis by product and activity.
  • Margin targetsGross and net margin targets set for your business model.
  • Marketing and sales spendHow much to spend, and the return it brings back.
  • Decision supportFinancial input on financing and investment choices.

Best for: Leaders making spending and growth decisions.

Financial services

04 · The round

Valuation and Funding Readiness

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

  • Investment readiness planA financial plan that prepares startups and SMEs for funding rounds.
  • Performance analysisFinancial statements and operating performance, read the way investors read them.
  • Fair valueAn evidence-based fair value for the company.
  • Asset and cash flow valuationAssets, liabilities and cash flows valued in detail.
  • Valuation reportsReports that support a sale, an acquisition or a new partner's entry.
  • Due diligence preparationFinancial records ready for review at any stage, from pre-seed onward.

Best for: Startups and SMEs heading into a raise, a sale or a new partner.

Financial services

05 · The terms

Partnerships and Contracts

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

  • Partnership agreementsEach partner's role, responsibilities and share, written down clearly.
  • Decision rulesHow decisions get made, agreed upfront to prevent disputes.
  • Strategic partner matchingThe right partners connected after studying business fit and shared goals.
  • Contract reviewAgreements reviewed on financial, legal and sharia terms.

Best for: Companies with more than one partner, or looking for one.

Audit and assurance

06 · The checks

Audit and Assurance

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.

  • Internal auditRisk-based reviews of processes, records and controls, with findings ranked by priority.
  • Internal controls designApproval limits, segregation of duties and control checklists sized to your company.
  • External audit preparationBooks, schedules and supporting documents ready for your statutory auditor.
  • Compliance health checkTax, zakat, VAT and payroll obligations checked for gaps before deadlines.
  • Policies and proceduresFinance manuals that set out how money is approved, spent and recorded.

Best for: Companies preparing for a statutory audit, a funding round, or a board that wants independent assurance.

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

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