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02 — Our Solutions

Financial
Concierge

Your complete outsourced finance function — bookkeeping, management accounts, payroll, VAT, corporate tax, and CFO oversight, all under one monthly retainer.

Ideal For
Operational SMEs & Startups
Min. Term
3 Months
Pricing
Hourly Bundled Tiers
Replaces
  • Bookkeeper
  • Accountant
  • CFO
01 — Overview

The finance function
your business needs — without the hire.

A growing UAE business typically needs a bookkeeper, a financial controller, a payroll administrator, a VAT agent, and a CFO — but rarely has the budget or the volume to justify all five full-time. Financial Concierge delivers all of those functions in a single coordinated monthly retainer.

We manage your numbers, your filings, your payroll, and your financial strategy. Where specialist tax or audit work is required, we coordinate the right licensed providers on your behalf.

AED 35k

Typical monthly cost of a full-time Finance Manager in the UAE, excluding benefits and end-of-service

5+

Finance functions consolidated into one retainer: bookkeeping, accounts, payroll, VAT, CFO advisory

0

Recruitment risk, end-of-service liability, or notice period — the retainer is flexible by design

Transaction pricing creates perverse incentives. A retainer aligns our interests: we want your business to run cleanly.

Amara Financial Concierge — Pricing Principle
02 — Services

Every finance function,
covered.

Financial Concierge covers the full spectrum of financial management for an SME — from day-to-day transactional work to board-level strategic oversight. Bookkeeping is included as standard across all tiers.
Bookkeeping

Monthly Bookkeeping

Full transaction recording, bank reconciliation, accounts payable and receivable — scaled by volume. Core: up to 100 tx/month. Classic: up to 300. Comprehensive: unlimited.

Reporting

Management Accounts

Monthly P&L, balance sheet, cash flow statement, and budget vs. actuals — prepared to audit-ready standard and delivered with a one-page commentary.

Tax

VAT & Corporate Tax

Quarterly VAT return preparation and FTA submission coordination. UAE Corporate Tax registration, annual filing preparation, and ongoing CT compliance advisory.

CFO

Fractional CFO Advisory

Financial modelling, scenario planning, treasury oversight, investor reporting packs, and board-level financial leadership — available at Comprehensive tier.

Audit

Audit Readiness & Liaison

Ongoing audit readiness, external auditor coordination, annual accounts preparation, and statutory filing support. Audit relationship managed end-to-end.

Banking

Banking Relationship Support

Ongoing liaison with your UAE bank — KYC refresh responses, account queries, and support for new subsidiary or signatory account openings.

Bookkeeping included as standard across all three tiers. Transaction volume scales by tier — but the function is never an add-on. Payroll processing, visa management, and HR compliance are available as separate add-on modules — see below.
03 — Pricing

Monthly retainer.
Commit longer, pay less.

Financial Concierge is priced as a monthly retainer with a minimum term of 3 months. Longer commitments receive a reduced effective monthly rate — 5% per additional month beyond minimum, capped at 45%. Select your commitment below to see effective pricing.
See impact of variable retainer duration
3 months
Core
Base: AED 2,950/mo
AED 2950
Effective avg/month
Savings: AED 0 (0.0%)
Classic
Base: AED 4,950/mo
AED 4950
Effective avg/month
Savings: AED 0 (0.0%)
Comprehensive
Base: AED 8,950/mo
AED 8950
Effective avg/month
Savings: AED 0 (0.0%)
|
FeatureCoreClassicComprehensive
Bookkeeping & Reporting
Monthly Bookkeeping100 tx/mo300 tx/moUnlimited
Bank Reconciliation
Management AccountsQuarterly
Audit ReadinessAnnual
Tax & Statutory
VAT Return & FTA Submission
CT Registration & AdvisoryAdvisoryFull filing
ESR Notification
Strategic Finance
Fractional CFO Advisory
Board / Investor Reporting
Financial Modelling
Add-on Module

HR & Payroll Concierge

Payroll processing, WPS compliance, visa renewals, employee onboarding and offboarding, labour contract management, and MOHRE filings — managed monthly alongside your Financial Concierge retainer. This module handles the people administration your business needs without adding to the Financial Concierge hour bundle.

Available with any Financial Concierge tier
Select tier — same services, hours and price vary
Tier:
Core
AED 950
per month

Hours / month10 hrs

Included in all tiers
  • Payroll (WPS)
  • Visa renewals
  • MOHRE filings
  • New hires / exits

HR & Payroll Concierge covers payroll processing, WPS submissions, visa renewals, employee onboarding, MOHRE labour contract filings, and Emirates ID tracking. It does not include AML/CFT compliance, trade licence renewal, or UBO registration — these are managed under Compliance Concierge.

Add-on Module

FTA Tax Agent

Licensed UAE Tax Agent support for VAT and Corporate Tax filings, EmaraTax portal management, FTA correspondence, and audit defence. Provided by a licensed Tax Agent registered with the Federal Tax Authority — a requirement for formal FTA representation. Available as a monthly retainer alongside any Financial Concierge tier.

FTA-licensed · Available with any tier
Select tier — same services, hours and price vary
Tier:
Core
AED 750
per month

Hours / month3 hrs

Included in all tiers
  • VAT filing (quarterly)
  • CT return
  • FTA correspondence
  • EmaraTax portal
  • Audit defence (Comprehensive)

A licensed Tax Agent is required for formal representation before the FTA. This module provides registered Tax Agent representation — distinct from the tax advisory included in the Financial Concierge retainer, which covers preparation and coordination only.

04 — Tax & Compliance

UAE tax landscape,
navigated.

Corporate Tax at 9% is now in full enforcement, VAT obligations apply above the AED 375,000 threshold, and e-invoicing mandates are being phased in through 2026. Financial Concierge keeps your business ahead of each obligation.
VAT

Value Added Tax

Registration, quarterly return preparation, input tax recovery analysis, partial exemption calculations, and FTA correspondence management.

CT

UAE Corporate Tax

CT registration with the FTA, annual filing preparation, QFZP eligibility assessment, Small Business Relief election advisory, and transfer pricing guidance.

ESR

Economic Substance Regulations

Applicability assessment, annual ESR notification filing with the Ministry of Finance, ESR Report preparation, and substance documentation management.

eInv

e-Invoicing Readiness

Advisory on the UAE e-invoicing mandate rollout, system readiness assessment for your accounting stack, and FTA reporting compliance preparation.

Numbers handled. Strategy enabled.

Financial Concierge engagements begin with a complimentary discovery call. We confirm the right tier, transaction volume, and any add-on requirements before issuing your engagement letter. Minimum term is 3 months. Get your finance function working for you.

Scope your requirements

Find your starting point.

Answer a few questions and see your recommended package build in real time. No form, no commitment — just clarity in about 2 minutes.

Step 2 of 5 — Team size

How many people will your UAE entity have?

Includes founders on investor visas, employees, and any dependants you'll sponsor.

Discuss this with Amara

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