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Virtual CFO Services · UAE

Build your business on
a foundation that
actually holds.

Management accounts. VAT & Corporate Tax. Cash flow clarity. Real-time dashboards. One flat monthly retainer — built for UAE startups and SMEs from day one.

Book a Free Financial Health Check → See pricing ↓
AED 50M+SME revenue under management
15+ yrsCFO leadership in UAE
< 4 hrsguaranteed response time
بداية
Bidaya — Arabic for "beginning." Because every strong business starts with the right financial foundation.

The problem

Most startups and SMEs outgrow their finances before they fix them.

01
You have a bookkeeper, not a CFO.
Bookkeepers record what happened. A CFO tells you what to do about it — before it becomes a problem.
02
Cash flow is a gut feeling.
Checking your bank balance to decide if you can make payroll is not financial management. It's anxiety.
03
VAT & Corporate Tax are a liability.
FTA audit rates are rising. One incorrect filing can cost more than years of professional management.

What you get

A complete CFO function. Built for where you are now.

Senior UAE finance expertise backed by an AI-powered delivery engine — so you get big-firm quality at a price that makes sense for your stage.

Monthly Management Accounts
P&L, Balance Sheet, Cash Flow with plain-English commentary. Delivered by the 10th every month.
AI-generated narrative from your numbers
VAT Return Preparation
Quarterly VAT prepared, reconciled, and submitted to the FTA. No deadlines missed, ever.
Auto-populated from accounting data
Corporate Tax Compliance
Annual CT return, taxable income calculation, deductibles review, and proactive CT planning.
AI scans for deductible items
Cash Flow Forecasting
13-week rolling forecast updated monthly. Know a cash gap is coming weeks before it arrives.
Model with automated gap alerts
Live KPI Dashboard
Real-time financial visibility — revenue, margins, burn rate, AR aging — updated daily.
Live sync from your accounting system
Monthly CFO Call
30-minute strategy call to review performance, flag risks, and align on financial decisions.
AI pre-prepares your agenda
Investor-Ready Reporting
Board pack, financial model, and investor deck financials — built to the standard investors expect.
Structured templates, auto-populated
Budget vs Actual
Monthly variance report explaining the gap between plan and reality — and what to do next.
Anomalies flagged automatically

Transparent pricing

Priced for where you are. Not where you want to be.

Fixed monthly retainers. Cancel with 30 days notice. No setup fees. Most clients stay 2–3 years.

Foundation
3,500 AED / month

Early-stage startups & businesses under AED 5M annual revenue

  • Monthly management accounts
  • Quarterly VAT return & filing
  • Annual Corporate Tax return
  • Live KPI dashboard access
  • 1x monthly CFO call (30 min)
Most popular
Growth
7,500 AED / month

Growing SMEs with AED 5-25M annual revenue

  • Everything in Foundation
  • 13-week cash flow forecast
  • Budget vs actual analysis
  • Audit readiness support
  • 2x CFO calls per month
  • Unlimited ad-hoc queries
Scale
14,000 AED / month

Scaling businesses, funded startups & AED 25M+ revenue

  • Everything in Growth
  • Board & investor reporting
  • Fundraise financial models
  • Multi-entity consolidation
  • Unlimited CFO access
  • Dedicated analyst assigned

The process

Up and running in under two weeks.

01
Free Financial Health Check
30 minutes. We review your current setup and identify exactly what is missing — no pitch, just honest findings and a clear action plan.
02
We build your infrastructure
Accounting system, bank feeds, dashboards, and reporting templates — fully configured in your first week.
03
Numbers arrive every month
Accounts on the 10th. VAT filed on time. Cash flow updated weekly. You build your business; we run your numbers.

Industries we serve

Built for UAE businesses that are going somewhere.

Startups & Funded Ventures
Burn tracking, investor reporting, runway models, cap table implications.
Trading & Distribution
Inventory accounting, margin analysis, supplier payments, import VAT handling.
Professional Services
Revenue recognition, utilisation tracking, client profitability analysis.
F&B & Retail
Location P&L, food cost analysis, daily reconciliation, expansion modelling.

Why Bidaya

What makes us different from every other accountant.

Delivered on time, every time
Accounts by the 10th. VAT before the deadline. No chasing — ever.
Real-time, not month-end
Your dashboard updates daily. You always know exactly where you stand.
Built for UAE compliance
FTA VAT, Corporate Tax, ESR — handled by someone who has done it for 15+ years in the UAE.
A CFO you can actually call
Not a ticketing system. A senior CFO who knows your business and responds within 4 hours.

Start your financial foundation today.

Book a free 30-minute Financial Health Check. We will show you exactly what your business numbers are missing — at no cost and no obligation.

Book Your Free Health Check
Typical response within 4 hours · No commitment required · Dubai, UAE