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💼 Service · Virtual Finance Office

UAE Virtual Finance Office.Fractional CFO. Monthly.

Between Bookkeeping and OHT. The finance function your growing UAE SME needs but can’t justify hiring full-time. Management accounts, variance commentary, cash forecasting, board papers, budget cycle. From AED 6,500/month.

⚡ QUICK ANSWER

Virtual Finance Office (VFO) at The Tax Lead. Outsourced finance function for UAE businesses — bookkeeping, monthly management accounts, variance commentary, cashflow forecasting, KPI reporting, and board-ready papers. From AED 6,500/month. Three tiers scaled to transaction volume and reporting depth. Covers UAE CT provisioning, VAT compliance, transfer pricing and FTA correspondence as one integrated engagement.

The three-tier ladder

Where VFO Fits in the Ladder.

Finance operations below group-tax-lead level fall into three stages. Pick whichever matches where your UAE business is.

Stage 01

📊 Bookkeeping

Records transactions. Monthly VAT. Annual CT return. The compliance baseline every UAE SME needs.

From AED 950/mo
Stage 02 · This service

💼 Virtual Finance Office (VFO)

Interprets the numbers. Monthly management accounts, variance, cash forecasting, board papers, budget cycle. Fractional CFO.

From AED 6,500/mo
Stage 03

👤 Outsourced Head of Tax (OHT)

Group tax leadership. For larger / multi-entity / Pillar Two groups needing a fractional Head of Tax reporting to Group CFO.

From AED 15,000/mo
The monthly rhythm

What Happens Each Month.

Day 1-10

Month closed

Monthly bookkeeping finalised, bank reconciled, revenue cut-off applied, prepayments and accruals posted.

Day 10

Management accounts issued

P&L, balance sheet, cash flow for the month and YTD. Reconciled to trial balance.

Day 15

Variance commentary

Vs budget and vs prior month. Written commentary flagging material variances with hypothesis on cause.

Day 20

Rolling cash forecast

13-week rolling cash forecast refreshed. Pipeline incorporated. Any funding gap flagged early.

Monthly

60-min founder/CFO call

Standing monthly call. Walk through accounts, variance, cash. Decisions logged.

Quarterly

Board paper

Quarterly board paper for shareholder / board meeting. Our output; your signature.

Annually

Budget cycle

Full annual budget build 90 days before year-end. Line-by-line, with department leads.

Always on

WhatsApp support

Within 24 working hours. Ad-hoc questions, scenario modelling, pricing decisions.

VFO pricing

Three VFO Tiers. 30-Day Notice.

Lite

For AED 5m-15m revenue SMEs, single entity
AED 6,500
per month
  • Management accounts monthly
  • Variance commentary
  • Quarterly board paper
  • Annual budget cycle
  • WhatsApp support within 24h
  • Standing monthly call (60 min)

Core

For AED 15m-40m revenue SMEs, 1-2 entities
AED 10,500
per month
  • Everything in Lite
  • 13-week cash flow forecast
  • KPI dashboard (monthly)
  • Fortnightly check-in call
  • Pricing / margin reviews
  • Fundraising support (basic)

Scale

For AED 40m+ revenue, multi-entity, pre-Series B
From AED 18,500
per month (quoted)
  • Everything in Core
  • Multi-entity consolidation
  • Weekly cash management
  • Investor reporting pack
  • Audit coordination
  • Transitions to OHT if group grows beyond VFO scope
Common questions

VFO, Answered.

How is VFO different from Bookkeeping and OHT?
Bookkeeping records what happened. VFO interprets what happened + forecasts what’s next (management accounts, variance, cash forecast, budget review). OHT is specifically tax leadership at group level. VFO is finance leadership below group level — the fractional CFO for a growing UAE SME. See the 8-phase engagement journey.
What’s the typical client size?
UAE SMEs with AED 5m-50m revenue, who need more than bookkeeping but can’t justify a full-time CFO. Typically 1-3 UAE entities, 10-50 staff.
Can VFO be combined with Bookkeeping?
Yes — and usually should be. VFO builds on top of bookkeeping. We run both from the same Xero / QBO file, which saves cost and keeps consistency between the operational and management-view numbers. See Bookkeeping service.
Who signs off on management accounts?
We prepare and review. Founder / CFO signs. The management accounts are internal; they’re not audited. For audit-ready IFRS financial statements, see IFRS Financial Statements service.
🇬🇧 Our UK sister firm

UK VFO?UK Side Has It.

Our UK sister firm The Tax Lead Limited runs a parallel VFO service for UK SMEs — same monthly cadence, UK-regulated. Dual-side VFO available for UK + UAE operations.

Visit UK VFO service →
Need a UAE CFO?

VFO Delivers One.Fractional. From AED 6,500/mo.

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