
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.
How it fits together
Three disciplines. One finance function.
Each discipline is one piece of the Tamem mark. Together they make the whole. Point at one to see what it covers, select it to open its services.
Who we work with
Built for the people who carry the numbers.

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
Your team is stretched between the close, compliance and the next review.
What we take off your desk
- Reconciliations and month-end close, drafted for review
- Internal controls designed and tested
- Books and schedules ready for your statutory auditor
Where most start
You need numbers and terms that hold up when someone checks them.
What we take off your desk
- A fair value backed by evidence
- Records ready for due diligence at any stage
- Partner roles and decision rules agreed upfront
Where most start
The business grew faster than its finance function.
What we take off your desk
- Budgets, forecasts and cash you can steer by
- Routine entries prepared by Tamem Agent
- One partner instead of several providers
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.
Discovery
We learn how your finance runs today.
Engagement
Defined deliverables and one accountable owner.
Annual plan
Budget, expenses and targets for the year.
The difference
Why one partner beats many.
| What you get | In-house team | Accounting office | Tamem |
|---|---|---|---|
| Coverage | Partial. Depends on who you hire | Partial. Books and tax | Full. Books, tax, planning, valuation, terms and audit readiness |
| CFO-level judgment | Partial. Requires a senior hire | Not covered. Usually outside scope | Full. Included as a service line |
| Implementation | Full. Yes, at full payroll cost | Partial. Limited to compliance work | Full. Hands-on, accountable for results |
| Funding readiness | Partial. Built from scratch when needed | Not covered. Usually outside scope | Full. Prepared ahead of the round |
| Routine automation | Partial. Depends on the tools you buy | Not covered. Rarely offered | Full. Tamem Agent, run for you |
| Flexible commitment | Not covered. Long-term employment | Partial. Ongoing retainer | Full. 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.
- PreparesEntries, reconciliations and schedules
- FlagsEvery exception, with its source
- 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.

Start here
A two-week discovery.
We map what your finance function needs before you commit to anything longer.