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…
Getting a UAE business license feels exciting. However, the license is just the start. Many business owners don’t realize the hidden steps that follow. Missing them can cost time, money, and stress. Hidden Steps After Getting Your UAE Business License…
Why so many UAE SMEs get blindsided Most small and mid-sized businesses in the UAE start with high energy. Owners are focused on winning clients, delivering services, and building their reputation.But there is one silent risk many ignore — bookkeeping.…
Revenue looks good on paper. But cash is what keeps your business running. Without cash, growth stops, and operations struggle. That’s why we created the Sales-to-Cash Engine™ and the FUEL Framework™. They help you find and fix hidden problems that…
Many companies treat collections as a last-minute task. They wait until invoices become overdue and then scramble to collect payments. However, this approach wastes cash and strains customer relationships. It also costs time and effort. In our Sales-to-Cash Engine™, steps…
Every business wants to turn deals into cash quickly, but many companies struggle with delays that stretch their cash cycle. These delays often happen between the sales team closing the deal and operations delivering the product or service. In our…
When a business struggles for cash, many leaders turn to collections teams or short-term financing for a quick fix. In reality, the cash problem often began months earlier — the moment the business created the customer account. Weak credit policies…
When a business is short on cash, the first place most leaders look is the finance department.But here’s the truth: most chronic cash flow problems don’t start there. They start upstream — in sales, operations, and contracting — long before…
Case Study 5: Gunboat International – When Cash Flow Flounders Despite Peak Prestige This is the fifth installment in our series on public (and once-public) companies that collapsed or entered formal insolvency despite appearing profitable on paper. In every case,…
Case Study 4: Jet Airways – When Profit on Paper Couldn’t Keep the Planes in the Air This is the fourth installment in our series on public companies that collapsed despite showing profits on paper. In each case, cash flow—not…
Case Study 3: Toys “R” Us – How Cash Flow Killed a Retail Giant This is the third installment in our series on public companies that collapsed despite showing profits on paper. In each case, cash flow—not profitability—determined survival. We…
Case Study 2: SunEdison – Growth at the Speed of Collapse This is the second post in our blog series, “The Cash Flow Trap” where we examine five well-known companies that collapsed not because they were unprofitable — but because…
5 Public Companies That Went Bankrupt While Still Showing Profits In business, the scoreboard often looks like this: revenue up, expenses down, profit healthy. On paper, everything checks out. But in the real world, it’s not paper profits that pay…
When businesses think about improving cash flow, they often look to collections, payment terms, or banking solutions. But the truth is, many cash flow issues start much earlier — at the contract negotiation table and the contract clauses related to…
From the Advisors Who’ve Worked with the World’s Best FirmsCan your accountant tell you where your profit margins are leaking?If not — they’re not your advisor.They’re your admin. And if you’re leading a business that’s growing, scaling, or even just…
You land contracts. Revenue’s up. The P&L shows a tidy profit. But you’re still chasing payments, worried about payroll, and checking the bank account every Friday. So why do profitable businesses still run out of cash? It’s one of the…
At our firm, we’ve spent the last two decades helping companies across industries unlock dormant value, correct critical blind spots, and scale with confidence. We don’t just advise — we transform. Here’s a real story from a client in the…
Learn what root cause analysis is and how UAE businesses can use it to solve recurring problems, boost efficiency, and protect profits. Don’t treat symptoms—fix the cause. 🚨 Are You Solving the Wrong Problem? Many businesses in the UAE are…
Discover essential cash management strategies for UAE businesses. Learn how to forecast cash flow, manage receivables, optimize payments, and stay tax-compliant. Why Cash Management Matters in the UAE Running a successful business in the UAE requires more than revenue growth—it…
At Merzaai Advisory & Accounting, one of the most powerful tools we use to protect and grow our clients’ businesses is a proper cash flow forecast. It’s not just an internal report — it’s a decision-making map. In this blog, we’ll…
At Merzaai Advisory & Accounting, one of the first things we do when onboarding a new client is review—and often rebuild—their Chart of Accounts (COA). Why? Because most SMEs we meet either: And the truth is:🔍 If your chart of accounts is a mess, your…
At Merzaai Advisory & Accounting, we often say:“Revenue is theory. Collections are reality.” No matter how good your sales are, if customers aren’t paying you on time—or worse, not at all—your business will feel the pinch. You’ll start missing supplier…
At Merzaai Advisory & Accounting, we often say, “Your bank balance is not your book balance—until it’s reconciled.” But few businesses truly realize the weight of that until it’s too late. Here’s a real-life case study from one of our…
Starting a business is an exciting journey — but without proper accounting and bookkeeping, even the best business ideas can run into trouble. Whether you’re a solopreneur or running a fast-growing startup in the UAE, having your financial house in…
In the fast-paced UAE business environment, many companies unknowingly leave money on the table — not because of poor sales, but because of poor bookkeeping. Whether you’re a startup, freelancer, or SME, keeping your books in order isn’t just about ticking…
If your business feels like it’s growing — but your profits aren’t — you’re not alone. One of the most frustrating issues small business owners face is shrinking margins. The good news? It’s usually not a mystery. In fact, most margin…
Most business owners look at sales. Smart ones look at profit. But the sharpest? They protect their margins—before the bleeding starts. When it comes to growing your business, your profit margin is your oxygen. You can be winning clients, billing projects, and…
Cash flow is the lifeblood of any business, and delayed payments from customers can significantly impact financial stability. One of the most effective ways to mitigate collection risks is by structuring contracts with clear, enforceable terms that protect your business…
Cash flow is the lifeblood of any business, yet large companies often struggle with hidden cash flow leaks that drain liquidity and impact profitability. These leaks may be small, but when compounded over time, they can result in significant financial…
A robust people strategy—encompassing the attraction, development, and retention of top talent—is pivotal for organizational success. Companies that excel in these areas often outperform their peers, as evidenced by several compelling statistics. Attracting Top Talent The concept of the “war…
In today’s competitive landscape, businesses often focus on acquiring new customers to drive growth. However, sustainable margins and long-term cash flow are more effectively achieved by retaining existing customers. Customer retention is not just about keeping clients; it directly impacts…
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