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Corporate finance advisory session in Dubai reviewing a 13-week cash-flow forecast, management accounts and KPI dashboard for a UAE SME founder

FEASIBILITY STUDY & CFO ADVISORY DUBAI

Feasibility study consultants in Dubai — fractional CFO, business valuation, corporate finance.

Velmont Crest is the corporate finance advisory desk UAE SMEs use for feasibility study services, business valuation support and fractional CFO retainers: cash-flow modelling, KPI dashboards, management reporting and fundraising support, scoped to your monthly need and budget.

DED-licensed Dubai practice 0+ years UAE accounting Meydan + RAKEZ authorised partner

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UAE SMEs served

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Fixed monthly pricing

AED 0

Surprise fees, ever

0 UAE day

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Overview

Not a full-time hire. Not a one-off consultant.

Most UAE SMEs hit a finance-leadership gap somewhere around AED 5–30M revenue. Too big for the founder to keep holding the numbers in their head. Too small to justify a full-time CFO at AED 35K+ a month. So the calls get made on instinct, the lender pack gets thrown together the night before, and the tax position quietly drifts away from the books over the year.

That gap widened the moment the corporate-tax regime set by the UAE Ministry of Finance arrived. Cash-flow planning, transfer-pricing documentation, QFZP qualifying-income testing, ESR substance reviews, the 9-month CT filing window, all of it now wants a senior finance owner across your mainland and free-zone entities. A bookkeeper closing the month can't carry that weight.

Corporate finance advisory fills it. You get monthly cash-flow models updated to live data, KPI dashboards your operating team will actually open, board-ready management accounts, lender and investor packs, and a straight opinion on pricing, hiring, fundraising and M&A. Unlike most financial advisory companies in Dubai, the practice that closes your books is the one building the forward view — so cash flow management runs off the real ledger, not a spreadsheet copy that drifts. Frankly these are the decisions where one wrong move costs ten times the engagement fee inside a single quarter.

Engagements run half-day, full-day or 2-day-per-week on a flat monthly retainer, with quarterly board attendance and ad-hoc review on the deals that surface between cycles. You get finance leadership that stays inside your operating cadence. Not a deck handed over once, then a relationship that goes quiet until the next year-end.

What you get

What changes in your first 90 days.

If a fractional CFO hasn't shifted these four things in your first quarter, you've hired the wrong one. Here's what should be different by month three.

Live cash-flow visibility

A 13-week forecast, re-run every Monday off the real bank balance. You stop guessing at runway. You can see the week things go tight, and decide before they do.

KPI dashboard your team reads

Five numbers. Maybe seven. The ones that actually move the business, not the forty a generic template spits out. Your COO opens it and gets it cold, no walkthrough.

Board-ready monthly accounts

By the 7th, every month. P&L, balance sheet, cash flow, plus a plain-English note on what shifted since last month. The version you'd be happy to put in front of an investor.

Fundraising + lender support

When the round or the bank line is real, the model, the data room and the term-sheet read-through are already done. Honestly, that's the part founders leave too late.

Compare approaches

Founder-as-CFO, contractor, or fractional?

A full-time CFO is rarely the right answer below AED 40M revenue. Below the threshold, the choice is usually founder-as-CFO, part-time CFO contractor or a Velmont fractional CFO retainer. Each fits a different stage.

CriteriaFounder-as-CFOPart-time CFO (independent contractor)Velmont Crest fractional CFO recommended
Monthly costOpportunity cost on founder's timeAED 15k – AED 45k / monthFixed monthly retainer quoted to scope
Time commitment to your businessWhatever you can spare2–6 days / month, scheduledContinuous — embedded in monthly close and weekly cash review
Bench depthOne person, one perspectiveOne person, one perspectiveWhole Velmont engagement team behind the named CFO partner
Hand-off from bookkeepingFriction — founder reconciles their own booksOften disconnected from underlying bookkeepingSame team owns the books and the boardroom view
Board / investor reportingReactiveTemplated to contractor preferenceInvestor-ready: monthly board pack, KPI dashboard, 13-week cash
Fundraising supportLimited capacityStrong if the contractor specialises in itData-room build, financial model, lender Q&A, audit-ready file
Strategic decisions (pricing, hiring, capex)Gut feelCapacity-constrainedDecisions backed by unit-economics model and scenario planning
Best fit forPre-seed, < AED 3M revenue, founder is finance-literateSingle-strategic-project businesses (fundraise, exit)AED 3M – AED 40M revenue, growth-mode SMEs

Velmont's fractional CFO retainer is built around four standing rituals: weekly cash call, monthly board pack, quarterly strategic review, annual budget. Pricing is fixed by company stage, not by hour.

Velmont Crest supports our quarterly VAT preparation, corporate tax preparation, and audit assistance with complete professionalism.

Yellow Rock Trading LLC

Trading · Dubai · 2025

How to start

Which of these sounds familiar?

Three things UAE founders say to us almost word for word, week in, week out. Each one has a fix, and a first deliverable you can actually point to.

Trigger 01 · Cash

"I don't know my runway."

The balance moves every day and you've got a feel for it, but no actual model. So the hire, the ad spend, the supplier terms all get decided on a hunch. Risky way to run cash.

  • 13-week rolling cash forecast built
  • Updated weekly with live bank balances
  • Peak cash need and runway flagged

Cash visibility in 2 weeks

MOST COMMON

Trigger 02 · Reporting

"My management accounts arrive on the 25th."

By the time it lands, you're three weeks into the next month. Whatever it's warning you about, you can't really act on it. It's a history lesson, not a steering wheel.

  • Books closed by the 5th (bookkeeping discipline)
  • Board pack issued by the 7th
  • Variance commentary explains what changed

Board pack by day 7

Trigger 03 · Fundraising

"Investors want a model in 10 days."

There's a term sheet on the table. They want the model, the data room, the KPI history, all of it, and they want it now. None of it exists yet. This is where deals stall.

  • Investor-grade model built in 7 days
  • Data room organised + populated
  • Investor Q&A handled in writing

Investor-ready package in 2 weeks

Velmont Crest fractional CFO leading a monthly board review with KPI dashboards, three-statement forecast and variance commentary for a UAE SME

How we work

Inside a fractional CFO retainer.

Four phases, one named CFO partner across all of them. Here's how the retainer actually runs.

  1. 1

    Week 1

    Free strategic finance review

    We sit down, look at your cash position, how your reporting actually runs today, and the two or three big calls landing on your desk this quarter. Then we tell you straight where the gaps are. No deck, no sales pitch.

  2. 2

    Weeks 2-4

    Setup sprint

    This is the heavy-lifting bit. We build the 13-week cash model, wire up the KPI dashboard to your ledger, lock the board pack format, and get the monthly close onto a fixed date instead of whenever-it's-ready.

  3. 3

    Monthly

    Operating cadence

    Cash model refreshed weekly. Board pack on your desk by the 7th. And one hour, every month, where we sit with you and the COO and actually talk through what the numbers are telling you to do next.

  4. 4

    On demand

    Strategic moments

    Then there's the lumpy stuff. A raise. A lender package. A pricing rethink. Modelling what a senior hire really costs before you sign. We're on the bench for those, scoped when they come up.

Real deliverables

The artefacts that land on your desk each month.

No vague "strategic support" here. This is the actual list of files we hand over, on a weekly, monthly and quarterly rhythm.

13-week rolling cash forecast (weekly)

Every flow that touches the bank, week by week. Change an assumption and we re-run it on the spot, so "what if we delay that hire?" gets answered in the meeting, not next week.

Monthly board pack

One PDF, 8 to 12 pages. P&L, balance sheet, cash, the KPIs, what's at risk, and a short list of the calls only you can make. Tight enough that a board reads it before the meeting, not during.

KPI dashboard

Revenue per customer, GM%, CAC, LTV, DSO, DPO, runway. Each one against a target line, so you see the gap, not just the number. We pick the handful that fit your model, not a stock set.

Variance analysis (vs budget, vs prior month)

Numbers in red are easy. The useful part is the sentence next to each one explaining why it moved and what we're doing about it. That's the bit most reports skip.

Unit-economics model

What does one sale actually earn you, once you've stripped out everything it costs to win and serve? Built once, refreshed quarterly. Half the time it shows a segment you thought was a winner is quietly losing money.

Annual budget + quarterly re-forecast

A budget built bottom-up from the operating plan, not a number you back into. Then re-forecast every quarter, because the version you set in January is wrong by April. Always is.

Scenario plan (best / base / stress)

Three versions of the P&L and cash line: things go well, things go to plan, things go sideways. Boards and lenders always ask for the downside. Better to have it ready than improvise it.

Capital-structure memo

Should you raise equity or just size a working-capital line? How much can you safely pull out as dividend without starving growth? We lay out the trade-offs in plain terms so you decide with eyes open.

Fundraising data room (when triggered)

Indexed and ready for diligence: historical accounts, the model, cap table, key contracts, KYC. The thing that makes an investor think "these people have their house in order" before they've even opened the model.

Investor / lender Q&A response file

When the diligence questions start landing, every answer is drafted, backed by evidence that holds up, and tracked so nothing slips. You stay running the business while we field the back-and-forth.

Pricing analysis & recommendation

Before you move a price, we model what it does to margin and how many customers you can lose and still come out ahead. A 5% rise often beats a 15% volume push. The maths usually surprises people.

Hiring business case

For each senior hire you're weighing up: fully-loaded cost, the revenue they need to bring, and how long until they pay for themselves. Turns "I feel like we need a sales head" into a number you can defend.

Capex / lease / make-vs-buy analysis

Buy or lease? Build it in-house or pay someone? For any capital call over AED 50k we run the DCF and the IRR so the answer rests on returns, not on which option felt cheaper at the time.

Annual financial review with the board

Once a year we sit the board down: here's what we said we'd do, here's what actually happened, here's where the gaps were, and here's the plan and the capital for next year. Honest about the misses, not just the wins.

One thing that matters more than it sounds: all of this lives in your data room, versioned, not on some CFO's personal Drive that walks out the door the day the engagement ends. It's yours.

Feasibility & valuation

Feasibility studies, business valuation and margin analysis.

The retainer covers the operating rhythm. But some finance work only shows up when capital is about to move — a new venture, a second emirate, a partner exit, a round. That's project work, and it runs off the same ledger the retainer already keeps honest.

Feasibility studies for new ventures and expansion

Most feasibility study consultants in Dubai hand you a template with your logo on it. A study worth paying for starts from the decision it has to support: should this venture exist, in this emirate, at this cost base? Ours cover market sizing against real UAE demand data, competitor benchmarks, the licence and setup cost build-up (mainland versus free zone changes the maths more than founders expect), a bottom-up revenue model, operating costs, break-even timing and a three-to-five-year projection with sensitivities on the drivers that can actually break it. Banks ask for one before a facility. Free-zone authorities ask for one on certain activities. Investors ask for one before a cheque. And sometimes the most valuable output is the study that talks you out of the venture — that one pays for itself many times over.

Still comparing providers? Read our feasibility buyer's guide first, and see what a feasibility study costs in Dubai before you brief anyone — including us.

What a feasibility study report includes

The label covers four kinds of analysis, and a serious feasibility study report in the UAE runs all of them rather than picking one. Market feasibility asks whether the demand exists at a price that works. Technical and operational feasibility asks whether you can actually deliver — location, licence activity, staffing, suppliers. Financial feasibility turns both into numbers. And commercial feasibility pulls it together into the one question that matters: does the return justify the capital and the risk? The report you receive covers:

  • Executive summary with a clear go / no-go recommendation and the two or three assumptions the whole case rests on
  • Market study: demand sizing from UAE sources, competitor benchmarks, achievable pricing and realistic share
  • Setup-cost build-up: licence, visas, fit-out and working capital — mainland versus free zone, itemised (sanity-check it against our UAE business setup cost calculator)
  • Bottom-up revenue model, operating cost base, break-even timing and three-to-five-year projections
  • Sensitivity and risk analysis on the drivers that can break the plan, plus the funding requirement and proposed structure

Choosing between feasibility study companies in Dubai

Three things separate a feasibility study company worth hiring from a template shop. First, where the market numbers come from — ask any feasibility study consultant to name their UAE data sources before you sign, because a projection built top-down from a global report is decoration, not analysis. Second, whether the financial model is built bottom-up from your actual cost base; a study for a Deira trading firm and one for a DIFC consultancy should not share a spreadsheet. Third, whether the consultant will sit in the bank or investor meeting and defend the numbers — most won't, and it shows in how carefully the numbers were built. SME-scale feasibility study services in Dubai typically run two to four weeks end to end; a study promised in three days is a template with your logo on it. Because we also run business setup advisory across mainland and free-zone jurisdictions, the licence and cost assumptions in our studies come from live registrations, not last year's fee schedule.

Business valuation support in Dubai

Business valuation companies in Dubai will give you a number. The number is the easy part — what matters is whether the workings survive contact with the other side of the table. We build valuations on discounted cash flow, market multiples and net assets, then triangulate rather than defend a single figure, because an investor's analyst and a departing partner's advisor will each attack from a different angle. Typical triggers: a fundraising round, a share transfer between partners, a buy-out, succession planning, or an exit conversation that got serious faster than expected. You get the full model, every assumption traceable to the ledger or to market data. Where a court or regulator requires a licensed valuer's signature, we prepare the file and work alongside one — we don't pretend to be one.

Profitability and margin analysis

Revenue growing while cash shrinks usually means a margin leak, and the P&L alone won't show you where. We break contribution margin down by customer, channel and SKU, load in the costs that usually get socialised — freight, payment fees, returns, founder time — and find the segment that's quietly subsidising the rest. For trading firms the margin truth starts in the stock ledger: landed cost, provisioning and shrinkage decide whether the gross margin line means anything, which is why this work often pairs with our inventory accounting for trading firms. And all of it assumes clean books underneath — if the ledger needs work first, our accounting and bookkeeping service in Dubai gets the base layer right before anyone models on top of it.

Velmont Crest CFO advisor presenting investor-grade financial models and fundraising data room documents in a Dubai office

Why Velmont

Why founders hand us the numbers.

The person modelling your cash is the person in your board meeting

Whoever builds your forecast is the same person who sits across from your board and defends it. Nobody hands your numbers to a junior they've never met. That's the whole point of a CFO seat.

An answer the same day you ask

"Can we afford this hire?" "Should we take the supplier's early-payment discount?" You send it on WhatsApp, you get a reasoned answer back that business day. No ticket. The questions that decide a quarter can't wait on an email chain.

DED-licensed, and we've sat in the UAE chair before

Eight-plus years working UAE books, mainland and free zone. Authorised channel partner of Meydan Free Zone and RAKEZ. We've prepped the lender packs and answered the investor diligence questions, so we know where they push.

We work in whatever ledger you already run on

Zoho Books, QuickBooks, Xero, Odoo, Tally. The forecast and the dashboard sit on top of your real ledger, not a spreadsheet living on someone's laptop. If your setup's a mess, we'll clean it or move you off it first.

Recent insights

What we're reading.

Practical CFO reading on cost pressure, banking and how to think about CT-led structural decisions.

All insights
business costs in the UAE rising due to regional instability

Cost pressure

Business costs in the UAE — regional instability

How regional fuel, insurance, freight and FX pressure shows up in UAE SME P&Ls, and what a CFO does about it.

Read more
UAE business bank account opening guide 2026 rejection reasons documents

Banking

Opening a UAE business bank account

Which bank for which stage, working-capital lines, FX desks and what a CFO arranges before the first investor call.

Read more
UAE business owner reviewing strategies to reduce corporate tax legally

Tax planning

Reduce UAE corporate tax legally

Legitimate planning levers, explained without the spin: Small Business Relief, QFZP, group relief and tax-loss carry-forward.

Read more

Pricing

Pick the cadence that fits your stage.

Call it outsourced CFO services or a fractional retainer — CFO services in Dubai are priced here by operating cadence. No hourly billing, no per-call charges.

Light

Custom quote on request

Founders needing monthly board pack + cash visibility.

  • Books closed by the 5th + board pack by the 7th
  • 13-week cash forecast refreshed monthly
  • KPI dashboard (up to 5 metrics)
  • Monthly 60-min strategic call
  • Async Slack/WhatsApp on operating questions
Start Light

Embedded

Custom quote on request

Pre-Series A / scale-stage. Full CFO presence without the hire.

  • Everything in Operating, plus:
  • 2 days per week on-site or remote presence
  • Investor / lender package preparation
  • Board-meeting attendance + prep
  • Pricing, M&amp;A and capital-structure counsel
  • Direct contact during business hours
Scope Embedded

Talk to our experts

Tell us where the numbers don't add up.

Send a brief and we'll reply within one UAE business day. We review your last 12 months of accounts, your current reporting cadence and the next 3 strategic decisions, then propose a tier.

Reply within 1 UAE business day · Data stored in UAE · Not shared

Feasibility studies

What a feasibility study in Dubai actually contains.

Four sections, one honest verdict. A feasibility study exists to change a decision — ours are built so a banker, an investor or a sceptical spouse can trace every number to its source.

Market feasibility

Who buys, at what price, from whom today. A market feasibility study for Dubai tests demand against the emirate's actual competitive field — licensing category, location economics, customer acquisition cost — instead of quoting a global market size no SME will ever address. It is the section that kills bad ideas cheaply.

Technical & operational feasibility

Can the business physically run: premises and approvals, staffing and salary benchmarks, supply chain, technology and the licence class the operation genuinely requires. In the UAE this section carries the regulatory homework — the approvals a restaurant, clinic or logistics operation needs before revenue exists.

Financial feasibility

The model behind the verdict: capital required, unit economics, three-way projections (P&L, balance sheet, cash flow), break-even point and sensitivity to the assumptions most likely to be wrong. Built by the people who prepare UAE financial statements for a living, so the numbers survive a banker's reading.

The bankable document

A feasibility study earns the word bankable when a lender or investor can trace every figure to a stated assumption and every assumption to a source. That is the standard we draft to — the same document then feeds the business plan, the licence application and the first-year budget instead of dying in a drawer.

The toolkit

Four instruments every engagement installs.

CFO advisory isn't advice in the abstract — it's a set of working tools that stay behind when the meeting ends.

Budgeting & forecasting

An annual budget the team actually uses, re-forecast quarterly as reality arrives. Variance against budget becomes the monthly management conversation — the discipline that separates a managed company from a surprised one.

13-week cash flow forecast

The rolling short-term cash model that answers the only existential question — can we pay everyone this quarter? Updated weekly in tight periods, it converts panic into a timetable of specific actions with dates.

Management reporting pack

A monthly pack in owner-language: margin by product line, customer concentration, working-capital days, covenant headroom. Ten pages that get read beat forty that don't.

Business valuation support

For business valuation in Dubai engagements — a sale, a partner buyout, a shareholder dispute — we build the normalised earnings, working-capital and net-debt schedules a valuer or buyer will test, and coordinate with licensed valuers where a formal opinion is required.

The four moments

Four moments this work pays for itself.

Most CFO advisory engagements start at one of these. Earlier is always cheaper — the pattern across all four.

  1. 1

    Moment 01

    Before a licence is bought

    The feasibility study moment: an idea, a location shortlist and a capital number that needs testing. Feasibility study consultants in Dubai are cheapest at exactly this point — before the licence, the fit-out and the first hire have converted an open question into sunk cost.

  2. 2

    Moment 02

    When growth outruns the books

    Revenue doubled, cash didn't. The virtual CFO cadence starts here: working-capital analysis, pricing review, a budget that reflects the business you now run, and a monthly rhythm that keeps the founder's decisions ahead of the bank balance.

  3. 3

    Moment 03

    Before the bank or investor meeting

    A facility renewal, an equity raise, a landlord negotiation. We build the projections, the sensitivity cases and the funding ask into a pack a credit committee can approve — and rehearse the questions they will actually ask.

  4. 4

    Moment 04

    When the exit conversation starts

    Selling, admitting a partner, or restructuring for succession. Valuation support, vendor due-diligence preparation and the clean three-year numbers story buyers pay for — started eighteen months early, when it can still change the price.

Honest scope

Where we'd push back — what's not in scope.

We'd rather say this now than after you've signed. A fractional CFO covers a lot, but not everything, and here's exactly where we hand you off to someone better placed.

Need investment banking, legal counsel or fund management? Specialist referrals on request.

  • We do not act as investment bankers

    Buy-side / sell-side M&A advisory, transaction sponsorship and ECM / DCM activity sit with regulated investment-banking firms.

  • We do not provide regulated investment advice

    Anything resembling SCA-regulated investment advice, portfolio management or fund management is outside our scope.

  • We are not your audit firm

    Statutory audit stays with a Ministry-of-Economy-registered firm. That's a separate engagement, with its own independence.

  • We do not negotiate your bank facility terms with the lender

    We prepare the file, model the covenants and shadow the negotiation — the conversation with the credit officer stays with you (or your bank-relationship manager).

  • We do not sit on your board

    Board observer is the deepest seat a fractional CFO takes. Director liability and fiduciary duty sit with you and your appointed board.

FAQs

What founders keep asking.

What does corporate finance advisory in Dubai cover?

Corporate finance advisory covers the senior finance work that sits above bookkeeping: annual budgeting and financial planning, 13-week cash-flow forecasting, KPI dashboards and management reporting, feasibility studies for new ventures, business valuation support, fundraising and investor readiness, and board reporting. At Velmont Crest it's delivered as a fractional CFO retainer — you get the output of a full-time finance director, scoped to the days per month your business actually needs. We advise and prepare; statutory audit and regulated investment advice stay with licensed specialists.

Do you work as feasibility study consultants in Dubai?

Yes. We prepare feasibility studies for new ventures, expansions into new emirates or product lines, and bank or investor submissions. A typical study covers market sizing, competitor benchmarks, licensing and setup costs, a bottom-up revenue model, operating cost build-up, break-even analysis and a three-to-five-year projection with sensitivities. The output is built to the standard UAE banks, free-zone authorities and investors expect to see before they commit capital — and it stays yours to reuse when the next lender or partner asks.

Do you provide business valuation services in Dubai?

Yes. We act as company valuation consultants for fundraising rounds, share transfers, partner buy-outs and exit planning, using discounted-cash-flow, market-multiple and net-asset approaches — usually two methods triangulated rather than one number defended to the death. You receive a valuation report with the workings visible, so an investor, buyer or fellow shareholder can trace every assumption back to the ledger and the market data behind it. Where a court or regulator requires a licensed valuer, we prepare the file and work alongside one.

What goes into your management reporting and KPI dashboards?

Management reporting is the monthly board pack: P&L, balance sheet and cash flow reconciled to the ledger, variance commentary against budget, and a forward outlook. The KPI dashboard sits alongside it — five to ten metrics chosen for your model, such as revenue and margin by segment for trading firms, billable utilisation for consultancies, or debtor days and the working-capital cycle for any business extending credit. It's delivered by the 7th of each month, in your preferred BI tool or as a clean PDF the whole team actually opens.

What's a fractional CFO and how is it different from an accountant?

A fractional CFO is a senior finance leader you bring in part-time, usually two to six days a month, for the strategic work a full-time CFO would do — without the AED 35,000-plus monthly cost of hiring one. Here's the real split: accountants and bookkeepers record what happened (transactions, reconciliations, VAT, corporate tax, audit support). A fractional CFO builds the forward view — annual plan, cash forecast, KPI design, scenario modelling, fundraising, board reporting — and turns the numbers into decisions. Most engagements run both: bookkeeping for the past, CFO advisory for the future.

When should a UAE SME hire a CFO advisor?

A few moments tend to make the case. You're about to raise venture or growth capital. You're scaling past AED 5 million in revenue, opening a second entity, or moving into another emirate. You keep hitting cash-flow stress even though the monthly P&L looks profitable. A bank wants management accounts with commentary for a working-capital facility, or an investor on the cap table wants board reporting. Or you're heading into a sale or partial exit. The earlier you bring someone in for any of these, the better it goes — and honestly, most founders hire a year too late, not too early.

Is a virtual CFO the same as a fractional CFO in Dubai?

In the Dubai market the two terms are used almost interchangeably. Virtual CFO usually emphasises remote delivery — dashboards, calls and reporting handled online — while fractional CFO emphasises the part-time share of a senior finance leader's week, often including in-person board and investor meetings. Our engagements blend both: remote cash-flow and KPI work on a weekly rhythm, plus sessions in the room when a board meeting, bank discussion or live fundraise needs one. What matters is the deliverables list and cadence, not the label on the proposal.

Do you support fundraising for UAE startups?

Yes. We've worked on seed and Series A rounds with DIFC-based VCs, regional family offices in Saudi, Kuwait and the UAE, GCC angel networks like DAN and WBAF, and international VCs investing into the region. On a typical raise we'll build the investor deck (narrative plus financials), a three-statement model with monthly granularity, a unit-economics breakdown by customer segment, and the sensitivity analysis on burn and runway. We set up the due-diligence data room across legal, financial, commercial, HR and tech, handle the Q&A during diligence, and stay in through term-sheet review with your counsel and completion-account prep at closing.

What does fractional CFO advisory cost in Dubai?

It's quoted to your needs rather than sold as a fixed package, because the work scales with depth — how many strategic sessions, monthly versus quarterly board cadence, whether there's a live fundraise or M&A process, multi-entity reporting, investor reporting cadence. For context, a full-time UAE CFO runs AED 35,000 to AED 80,000 a month plus bonus, equity and end-of-service liability. The same calibre of advice, fractionally, lands at a fraction of that. We scope it on a short discovery call and quote before any work starts.

Can you build a financial model from scratch?

Yes — full three-statement models (income statement, balance sheet, cash flow) with monthly granularity, an integrated working-capital schedule, revenue built up by product or customer cohort, headcount and capex schedules, and a sensitivity layer that flexes the operating drivers. We build in Excel or Google Sheets, kept auditable and transparent with no hidden formulas, so it survives investor due diligence and refreshes cleanly against actuals each month. We've built models that closed Series A rounds across the UAE and the wider GCC.

What does a feasibility study report include?

A UAE feasibility study report typically runs six sections: an executive summary with the go/no-go recommendation; a market feasibility study covering demand, competitors and achievable pricing; technical and operational feasibility — location, licence activity, staffing and suppliers; financial feasibility with the setup-cost build-up, revenue model, operating costs, break-even point and three-to-five-year projections; a risk and sensitivity analysis on the drivers that could break the plan; and the funding requirement with a proposed structure. Banks and free-zone authorities each have format expectations, so we build the report to the standard of the institution it's going in front of.

Do you handle budgeting and forecasting as part of the CFO retainer?

Yes — budgeting and forecasting sit at the core of the retainer. We build the annual budget bottom-up from the operating plan: revenue by segment, gross margin by channel, headcount, capex and month-by-month cash. It's then re-forecast every quarter, because the January version is stale by April. Alongside it runs the 13-week cash-flow forecast, budget-versus-actual variance reporting with written commentary, and best/base/stress scenario planning. The point isn't the spreadsheet — it's that hiring, pricing and capex decisions get tested against a live plan instead of a gut feel.

What does a feasibility study include?

Four parts: market feasibility (demand, competition, pricing evidence for the specific emirate and segment), technical and operational feasibility (premises, approvals, staffing, supply chain), financial feasibility (capital requirement, three-way projections, break-even and sensitivity analysis), and a reasoned conclusion. A UAE feasibility study also carries the licensing and regulatory homework — which authority, which activity class, which approvals — because that is where local projects actually stumble.

How do I choose feasibility study consultants in Dubai?

Test three things: whether the financial model is built from defensible local assumptions (salary benchmarks, realistic rents, licence costs) rather than template percentages; whether the consultant will put a negative conclusion in writing when the numbers say so; and whether the deliverable is bankable — traceable from every figure back to a sourced assumption. Ask to see an anonymised model structure before engaging anyone, including us.

How much does a feasibility study cost in Dubai?

It scales with scope — a focused single-location study is a different exercise from a multi-scenario industrial project with technical consultants attached. We quote a fixed fee after a short scoping call rather than publishing a number that would be wrong in both directions. What we can promise up front: the quote is fixed once scoped, and the study includes the financial model file itself, not just a PDF of its outputs.

What is a virtual CFO and how is it different from hiring one?

A virtual CFO gives you the senior finance function — budgeting, cash flow forecasting, management reporting, bank and investor relationships — on a fractional basis, typically a few days a month, at a fraction of a full-time CFO salary. The trade-off is availability, not quality. Most UAE SMEs under AED 50 million in revenue need CFO-level thinking monthly, not CFO-level presence daily, which is exactly the gap the fractional model fills.

What is a 13-week cash flow forecast?

A rolling weekly model of every expected receipt and payment for the next quarter — the standard tool for managing tight cash. Thirteen weeks is long enough to see a crunch coming and short enough to be accurate. Each week the model rolls forward, actuals replace estimates, and the variances teach you which assumptions run optimistic. It is usually the first thing we build in a distressed or fast-growing engagement.

Can you help with business valuation in Dubai?

We prepare the analysis a valuation stands on: normalised EBITDA with documented adjustments, working-capital and net-debt schedules, customer concentration and the forecast a buyer will test. Where a formal valuation opinion is required — for a court, a dispute or certain regulatory processes — that belongs with a licensed valuer, and we coordinate with one while keeping your numbers defensible. Advisory support, honestly bounded.

Do you prepare projections for bank facilities and investors?

Yes — three-way financial projections (profit and loss, balance sheet, cash flow) with a written assumptions register, sensitivity cases and covenant analysis, formatted the way UAE credit committees and investors expect. We also sit in the meeting if you want the person who built the model answering the model questions. What we don't do is promise an approval — the lender's decision is the lender's.

How does CFO advisory interact with corporate tax planning?

The budget, the transfer-pricing position, the salary-versus-dividend question and the free zone qualifying-income analysis all live in the same model. Our CFO advisory clients get the tax lens applied inside the forecast — decisions costed after tax, not before — with the corporate tax return itself handled by our tax team from the same numbers. One model, one story, no reconciliation between advisers.

Velmont Crest accounting advisor — Dubai SME engagement

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