Working capital optimisation is often treated as a technical finance initiative. Receivables dashboards are built.Payment terms are tightened.Inventory is reduced.Suppliers are pushed for longer terms. The effort typically begins when liquidity becomes uncomfortable. But by the time finance is asked…
Many owners and chief executives describe themselves as commercially minded. They negotiate assertively with suppliers, push for lower operating costs and encourage their sales teams to pursue growth with energy. These behaviours are widely regarded as signs of discipline. Yet…
In today’s fast-paced business environment, making informed decisions isn’t optional — it’s essential. Every business owner faces countless daily choices, from pricing and staffing to cash flow and investment decisions. The difference between reactive decision-making and strategic growth often comes…
Starting a business is exciting—but also expensive. Many entrepreneurs in the UAE ask the same question at the beginning: “Should I fund my startup with my own money (equity) or take a loan?” The truth is, there’s no one-size-fits-all answer.…
When you’re running a small business, it’s easy to focus on sales, operations, and customer service while leaving the numbers for “later.” But in reality, accounting is not just about bookkeeping—it’s the foundation of every business decision you make. At…
It’s a story we see far too often in the UAE: a company is busy, revenue is flowing in, yet the bank account is running dry. One of our recent clients, a manufacturer of custom-specified equipment for government-backed construction projects,…
Bank account reconciliation is one of those finance tasks that often gets pushed to the side—until something doesn’t add up. Yet, it’s one of the most essential practices for keeping your business finances accurate, transparent, and compliant. At Merzaai Advisory…
Opening a business bank account in the UAE can feel like navigating a maze. Many entrepreneurs face repeated rejections, even with a valid trade license. However, most of these rejections happen for predictable reasons—and you can avoid them with the…
Starting a business in the UAE is exciting. However, many new founders underestimate the complexity of VAT and corporate tax. Consequently, ignoring these obligations or handling them incorrectly can lead to fines, penalties, and unnecessary stress. By understanding the basics…
Getting your business license is just the beginning. Many entrepreneurs celebrate this milestone but then get stuck on what to do next. The first 30 days after setup are critical for laying a strong foundation. Focusing on the right priorities…