CFO Services & Financial Advisory in Dubai | Fractional CFO - Ashfaq and Associates

Every growing business needs strategic financial leadership—but not every business can afford a full-time Chief Financial Officer. Ashfaq and Associates provides fractional and outsourced CFO services tailored for SMEs, startups, and businesses in expansion mode across the UAE. We bring the expertise of seasoned financial professionals without the overhead of a permanent C-suite hire.

Our CFO services go beyond bookkeeping and compliance. We become your strategic financial partner, helping you make data-driven decisions, optimize cash flow, secure funding, plan for growth, and build robust financial systems. Whether you're preparing for an investor pitch, navigating rapid expansion, or simply need better visibility into your financial performance, our team provides the insights and guidance you need to succeed.

With over 15 years of experience across multiple industries in India and 5+ years serving UAE businesses, we understand the unique challenges of managing finances in a dynamic, multicultural market. Our approach combines international best practices with deep knowledge of UAE regulations, free zone requirements, and local business culture. We work flexibly—engaging on a part-time, project-based, or retainer basis—to deliver CFO-level expertise that fits your budget and needs.

Our CFO & Financial Advisory Services

1. Financial Planning & Analysis (FP&A)

Turn financial data into actionable insights. We build comprehensive financial models, conduct scenario analysis, and provide regular FP&A reports that help you understand performance, identify trends, and make confident strategic decisions.

Financial modeling and forecasting
Budget preparation and variance analysis
KPI dashboards and performance metrics
Profitability analysis by product, service, or channel
Scenario planning and sensitivity analysis

2. Cash Flow & Working Capital Management

Cash flow challenges can cripple even profitable businesses. We help you optimize working capital, improve collection cycles, manage payables strategically, and maintain healthy liquidity to support operations and growth.

Cash flow forecasting and monitoring
Working capital optimization
Accounts receivable and payable management
Credit policy development
Liquidity planning and bank relationship management

3. MIS Reporting & Dashboard Setup

Get real-time visibility into your business with customized Management Information Systems (MIS). We design and implement dashboards and reporting frameworks that deliver the right information to the right people at the right time.

Custom MIS dashboard design
Automated reporting systems
Integration with accounting and ERP platforms
Weekly, monthly, and quarterly reporting packages
Executive summaries for board meetings

4. Investor-Ready Financial Packages

Raising capital or seeking investment? We prepare comprehensive, professional financial packages that meet investor expectations and enhance your credibility. Our packages include historical financials, projections, valuation analysis, and compelling narratives.

Investor pitch deck financial sections
3-5 year financial projections
Business valuation and cap table modeling
Due diligence preparation
Investor Q&A support

5. Business Valuation

Understanding the value of your business is essential for strategic planning, fundraising, M&A, or exit planning. We conduct independent business valuations using recognized methodologies (DCF, market multiples, asset-based) tailored to your industry and circumstances.

Business valuation for fundraising or sale
Fair market value assessments
Valuation for mergers and acquisitions
Shareholder dispute resolution support
Periodic valuation updates for growth tracking

6. Strategic Financial Decision Support

From pricing strategy to expansion planning, every major business decision has financial implications. We provide strategic advisory to help you evaluate options, assess risks, and make decisions that align with your long-term goals.

Expansion and growth strategy financial planning
New product or service launch analysis
Make vs. buy and outsourcing decisions
Pricing strategy and margin optimization
Cost reduction and efficiency improvement initiatives

Why Choose Our CFO Services?

Cost-Effective Expertise

Access CFO-level guidance at a fraction of the cost of a full-time hire. Pay only for what you need, when you need it.

Scalable & Flexible

Start with a few hours a month and scale up as your business grows. No long-term commitments or overhead.

UAE Market Expertise

Deep understanding of UAE business environment, free zone regulations, banking systems, and investor expectations.

Proven Track Record

Over 20 years of combined financial leadership experience across startups, SMEs, and established enterprises.

Frequently Asked Questions

What is a fractional CFO?

A fractional CFO is an experienced financial executive who works with your business on a part-time, outsourced basis. You get the strategic expertise of a CFO without the cost of a full-time salary and benefits. It's ideal for SMEs and startups that need high-level financial guidance but aren't ready for a permanent CFO hire.

How is this different from regular accounting services?

Accounting services focus on recording transactions, preparing statements, and ensuring compliance. CFO services are strategic and forward-looking—focused on planning, analysis, decision support, and driving business growth. We look at the "why" and "what next" rather than just the "what happened."

What is the typical engagement model?

We offer flexible models: monthly retainers (ideal for ongoing support), hourly engagements (for specific projects), or project-based fees (for one-time initiatives like fundraising or valuation). We'll discuss your needs and recommend the best fit during our initial consultation.

At what stage should a business consider CFO services?

CFO services are valuable when your business is: seeking investment, experiencing rapid growth, facing cash flow challenges, expanding into new markets, or reaching a size where you need more sophisticated financial management. Even early-stage startups benefit from strategic financial planning.

Can you work with our existing accounting team?

Absolutely! We complement your existing team. Your accountants handle day-to-day bookkeeping and compliance, while we provide strategic oversight, analysis, and financial leadership. We can also mentor and develop your internal finance team.

CFO Services & Financial Advisory