# Tamem: full reference Last updated: 2026-10-18 ## Summary Tamem gives growing companies a complete finance function, from the daily books to CFO-level decisions and funding readiness, delivered by one partner that implements the plan and answers for the results. Markets: Saudi Arabia and the GCC, plus Egypt. Pricing: every engagement is quoted after a two-week discovery; there is no price list. ## Three disciplines - Financial services: Accurate books, funding readiness and clear terms between partners. - Strategic planning: CFO-level judgment, budgets and forecasts that steer decisions. - Audit and assurance: Internal audit, controls and records ready for any review. ## 01 CFO as a Service (Strategic planning) 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. Best for: Companies that need CFO-level judgment before they can hire a CFO. - 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. ## 02 Accounting and Tax (Financial services) 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. Best for: Every company, from the first invoice. - 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. ## 03 Financial Planning and Analysis (Strategic planning) 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. Best for: Leaders making spending and growth decisions. - 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. ## 04 Valuation and Funding Readiness (Financial services) 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. Best for: Startups and SMEs heading into a raise, a sale or a new partner. - 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. ## 05 Partnerships and Contracts (Financial services) 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. Best for: Companies with more than one partner, or looking for one. - 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. ## 06 Audit and Assurance (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. Best for: Companies preparing for a statutory audit, a funding round, or a board that wants independent assurance. - 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. ## Tamem Agent A dedicated finance agent deployed and operated by Tamem on Tamem servers for each subscribing company. It prepares bookkeeping, reconciliations, close tasks, reports, forecasts and tax schedules as drafts for human review. Billed as a monthly retainer quoted per company. Capabilities, each prepared as a draft for human review: - Bookkeeping entries: Records transactions and proposes categories from invoices, receipts and bank lines. - Bank reconciliation: Matches bank lines to the ledger and flags every item that does not match. - Invoices and payables: Reads supplier invoices, checks them against what was ordered and queues them for approval. - Month-end close: Runs the close checklist, drafts accruals and tracks which documents are still missing. - Management reports: Drafts monthly statements and KPI packs in the format your leadership already reads. - Cash flow forecasting: Rolls the cash forecast forward with actual collections and payments each week. - Tax, zakat and VAT schedules: Prepares working schedules with every figure linked to its source document. - Budget versus actual: Compares spending to budget and explains the largest variances in plain language. ## How we work - Stage 1, Discovery, 2 weeks: we learn your business, how its finance runs today and what it needs, before any long-term commitment. - Stage 2, Engagement, 3 months: an agreement that defines the reports and finance work we deliver, with an accountable contact on your side or one we appoint from day one. - Stage 3, Annual plan, 12 months: built during the engagement, a full year of budget, expenses and financial targets. ## FAQ: home Q: What does Tamem do? A: 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. Q: Who is Tamem for? A: 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. Q: Which markets does Tamem serve? A: 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. Q: How much does Tamem cost? A: 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. Q: Does Tamem issue statutory audit opinions? A: 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. Q: What is Tamem Agent? A: 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. ## FAQ: services Q: Can we start with one service line? A: Yes. Each line works on its own or alongside the others under a single engagement, with one team accountable for all of it. Q: How are services priced? A: 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. Q: Do you replace our accountant or work with them? A: Either. We can run the books for you, or work alongside your accountant and add planning, CFO-level support or audit readiness on top. Q: Is Audit and Assurance a statutory audit? A: No. It covers internal audit, controls, compliance checks and preparation for your external auditor. Licensed external auditors issue statutory audit opinions. Q: Do you handle zakat and VAT? A: 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. ## FAQ: agent Q: What is Agent-as-a-Service? A: A finance agent that Tamem deploys, runs and maintains for your company. You pay a monthly retainer instead of buying software and managing it yourself. Q: Does the agent approve, file or pay anything on its own? A: No. The agent prepares drafts. A named reviewer on your side, or ours if you prefer, approves every output before anything is filed, paid or posted. Q: Where does the agent run? A: On Tamem servers, as a separate deployment for each subscribing company. Hosting and data handling details are confirmed in writing during discovery. Q: How is the retainer priced? A: Each company receives its own quotation. Transaction volume, the number of entities and bank accounts, the systems to connect and the review coverage you need all shape the monthly retainer. Q: Do we need a Tamem service engagement as well? A: No. The agent can run on its own. You can also pair it with Accounting and Tax or CFO as a Service so experienced finance people review its work and handle the judgment calls. Q: Which systems can it connect to? A: We confirm this during discovery against the accounting system, bank accounts and document sources you already use, before any commitment. ## FAQ: approach Q: Why start with a two-week discovery? A: Bringing finance in before you act costs far less than repairing a decision afterwards. Discovery lets us understand how your finance function runs today and propose a scope that fits, before any long commitment. Q: What happens after the three-month engagement? A: During the engagement we build your annual plan together, covering a full year of budget, expenses and financial targets. You then decide how the relationship continues. Q: Who is accountable on our side? A: Every engagement has an accountable contact from day one. That is someone on your team, or a person we appoint. ## FAQ: contact Q: Why are there no prices on the website? A: Every finance function is different. We quote after a two-week discovery so the scope and fees match what your company actually needs. Q: I am not sure which service I need. Can I still ask? A: Yes. Choose "Not sure yet" and describe how your finance function works today. Working out the right scope is what discovery is for. Q: Can we start with one service line or only the agent? A: Yes. You can start with a single line, with Tamem Agent on its own, or with a combination. Q: Do you work with companies outside Saudi Arabia? A: Yes. Tamem focuses on Saudi Arabia and the GCC, and also serves companies in Egypt.