# Tamem

> Tamem is a financial services, strategic planning, and audit and assurance firm for startups and SMEs in Saudi Arabia and the GCC, also serving Egypt. It gives growing companies a complete finance function, from the daily books to CFO-level decisions and funding readiness, delivered by one accountable partner. All engagements are quotation-based; Tamem publishes no prices.

Tagline: Confidence, block by block.
Engagement model: two-week discovery, three-month engagement, twelve-month annual plan.
Product: Tamem Agent, an Agent-as-a-Service finance agent deployed per company on Tamem servers and billed as a monthly retainer.
Audit scope: internal audit, controls, compliance checks and external audit preparation. Tamem does not issue statutory audit opinions.

## Pages
- [Home](https://tamem.co/): overview, service lines, Tamem Agent, comparison, FAQ
- [Services](https://tamem.co/services): six service lines and 33 defined services
- [Tamem Agent](https://tamem.co/agent): Agent-as-a-Service for SMEs and startups
- [How we work](https://tamem.co/approach): stages, promises, markets, standards
- [Request a quote](https://tamem.co/contact): quotation request form

## Service lines
- [CFO as a Service](https://tamem.co/services#cfo): 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.
- [Accounting and Tax](https://tamem.co/services#accounting): 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.
- [Financial Planning and Analysis](https://tamem.co/services#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.
- [Valuation and Funding Readiness](https://tamem.co/services#valuation): 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.
- [Partnerships and Contracts](https://tamem.co/services#partnerships): 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.
- [Audit and Assurance](https://tamem.co/services#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.

## Machine-readable
- [Services catalog JSON](https://tamem.co/tamem-services.json)
- [Full text for LLMs](https://tamem.co/llms-full.txt)
- [Sitemap](https://tamem.co/sitemap.xml)

## Contact
- Quotation requests: https://tamem.co/contact
- Email: hello@tamem.co