Service Arena

Whilst SME’s and MSME’s have immense appetite and agility to grow, they are extremely vary of costs. Nonetheless, like for any organization, Finance Function has always been crucial and requires expert guidance to manage Finance Function. Given the costs for positions at senior level, this concept of Virtual CFO is quite prominent. At ZTI, our team of experienced professionals, having dealt with multiple businesses, remain open to devise multi-pronged strategies to serve clients, located across jurisdictions, virtually.

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Business dynamics change rapidly and requires agility. Similarly, business cycle moves forward, once the enterprise is born. From birth to growth and stagnation, it is vital for businesses to carry out a health check / diagnosis. Purpose of such exercise is to test the business assumptions to ascertain if business is sustainable and profitable going forward.

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In certain phases of Business Cycles, SME’s and MSME’s require on site presence of senior finance professionals to guide Finance & Accounts team. Considering short term to medium term requirements and such requirement being Part Time, Senior Finance Professionals are being engaged in this role of Part Time CFO. Resources are engaged part time in a week or month depending upon business requirements, with the aim to optimize costs. Our team of Senior Finance Professionals are well experienced and equipped to serve multiple clients, given their multitasking skills and ability to engage in multiple projects at the same time.

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Disputes and resultant Litigation are not a preferred alternative for enterprises. Rather than engaging in tedious litigation process whcih is time consuming and costly, parties to a contract agree to opt for arbitration in order to resolve dispute(s) within a given timeframe and hence, this requirement for professionals from diverse fields to assist clients in dealing with Arbitration proceedings, be it compilation and review of documentation, deliberations with Legal Counsel and assistance during arbitration proceedings. Our Strategic Alliance Partners and our In-house team of Professional Accountants engage with the client on need basis.

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An Individual is the Ultimate Beneficial Owner(s) of any business and businesses require continuity, hence, this requirement for Succession Planning, be it on business front or personal front. Senior positions in Organizations also require Succession Planning to train leaders assume higher positions when required. Our Team engages with the client to gain understanding of clients requirements and devise required strategies and action plan to address these requirements, keeping data and information utmost confidential.

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Organizations require detailed business insights and forecast for the foreseeable future and Finance Team is at the epicenter of this requirement to provide financial data and forecast, with no room for failing to plan. Departments within the organization may endeavor to plan for their department, bestowing the responsibility of consolidating this data to generate meaningful information and forecast is the ultimate deliverable, desired by the Management. Our team at ZTI assists your In-house team to consolidate this information and the various dots (given the disseminated information) for presentation to management. Our engagement may also extend to review budgets vs actual on quarterly basis and revised forecast for the next quarter, or as required by the client.

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Many families have set up their independent offices to manage and control their assets, businesses and investments. Simultaneously, Families have also opted to outsource this function, in case they do not see the requirement to set up dedicated office. Our Team at ZTI specializes in managing family office affairs and ensures seamless coordination between families and stakeholders. Ultimately, Family Office is the epicenter of Control and Governance for Families.

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Money is required to generate money. Corporate Finance deals with funding requirements of the business based on cash flows and projections / forecast.

Ideally, every enterprise would aim to optimize finance costs in any given situation and this goal can only be achieved when cash flows are monitored very closely, be it daily (in extreme cases) or weekly basis.

Based on the needs of the business, financing arrangements are placed to fund the gap be it working capital, trade financing or term loan or any other alternative that would be most preferred.

Our Strategic Alliance Partners and our In-house team of Professional Accountants engage with the client on need basis to arrange financing for the business and monitor cash flows based on projections / forecast vs actual and measures to be implemented to improvise existing processes.

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A quote from a famous personality – “If you fail to plan, you are planning to fail”

Business Plan sets the objectives and the modus operandi to achieve these objectives. A start up or an existing business, every business should have a Business Plan that is signed off by the shareholders and actual results should be compared with the business plan at periodic intervals. Monitoring progress and achievement is crucial to initiate corrective measures well ahead of time.

At ZTI, be it family offices where we advise or with clients that we engage with, we have always suggested and emphasized that Senior Executives engage in the process to compile a detailed Business Plan every year and for the next 3 to 4 years and monitor actual performance vis a vis business plan signed off by the Shareholders.

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Back in Nineties, Fortune 500 companies were still contemplating whether to set up offices in UAE. 30 years later, there is not even a single Fortune 500 company that does not have office in UAE. Given this transformation, UAE has been welcoming investors to set up business in UAE.

This is one of the most preferred services and our Strategic Alliance Partners are actively engaged in serving our clients to set up companies in Mainland or Freezone and also assist in processing residency visa.

Welcome to UAE.

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The Term “Due Diligence” may sound heavy. In essence, it means “required carefulness” or “reasonable care” that should be exercised. Due Diligence exercise is generally carried out to confirm facts and figures of a business under consideration.

In the World of Finance, Due Diligence requires a thorough examination of financial records to confirm facts and figures represented by the other party before pursuing a transaction.

Our Team of In-house Experts and Experts from our Strategic Alliance Partners will be pleased to assist you and carry out Financial Due Diligence prior to a transaction and also join other team of experts if required, depending upon the size of the transaction.

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At times, All may not be Well. Perpetrators are awake always and they may not miss to encash if given an opportunity.

Red Flags may be raised within the organization or third parties / outsiders / stakeholders may raise Red Flags.

Once a Red Flag is raised, management is required to initiate immediate investigation into the affairs to ascertain, if there is any fraud. Reasons for financial conduct are immaterial, financial conduct is not palatable.

Forensic Accounting or Financial Forensics is an exercise that is carried out to ascertain if there is any financial misconduct. A range of methods are applied to estimate quantum of damage as a result of such misconduct, if so the case.

We join hands with experts from the industry to serve our clients, as required.

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Business Transactions across jurisdictions, be it one time (buy or sell of a business or investment) or recurring once first transaction has taken place, would require consideration of applicable taxes in respective jurisdictions. Number of Countries globally have inked Double Taxation Avoidance Agreements (DTAA) between their jurisdictions, outlining taxation of specific transactions. Before entering into such transactions, it is ideal that advise is sought to quantify tax implications, after giving due consideration to the legislation applicable in respective jurisdictions.

Our Team of In-house Experts and Experts from our Strategic Alliance Partners will be pleased to assist you and advise you on taxation considering applicable legislations in respective jurisdictions, DTAA and any other key considerations to be reviewed, prior to the transaction.

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There is a saying –

Don’t change a successful project / product …… unless there’s a need. Feasibility study addresses this need, if needed.

Feasibility Study is a detailed analysis of a proposed business, be it new business or expansion of existing business. Feasibility Study covers detailed analysis of factors covering Technical Paraments, Financial Parameters, Demand and Supply and Legal implications depending upon the applicable provisions in respective jurisdictions where business may be carried out in case of existing businesses, depending upon the laws of the jurisdiction.

Detailed Feasibility Study enables the Board of Directors to pursue or avert any investment in a business or increasing capital expenditure in case of an existing business. Feasibility study ultimately showcases risk and returns from a business, based on the assumptions.

Our Team of In-house Experts and Experts from our Strategic Alliance Partners work on such niche assignments.

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Businesses have grown beyond geographical boundaries and families tend to explore new markets on an ongoing basis. New markets and permanent establishment in these markets also result in tax obligation at individual level / family level and hence this requirement for compliance of tax regulations in multiple jurisdictions, beyond one country. Different languages, different procedures and documentation, diverse provisions and different due dates adds complexity.

This service is one of the most preferred services by our clients and our Team of In-house Experts collate supporting data and information to ensure that tax returns are filed ahead of timelines and our experts also continue to liaise with agencies on ground to follow for tax assessments and further proceedings depending upon the requirements of respective jurisdictions.

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Business transactions take place locally and globally. Contracts are executed for larger transactions between parties, and it takes enormous amount of effort to draft such contracts.

Not stopping here, review of contracts is extremely vital prior to execution. Review from diverse professionals having adequate experience of on ground provisions and regulations, commercial disputes and litigations, is always beneficial. Text in a contract may have different interpretation(s) at times. Hence this service to review contracts, both local and contracts involving multiple jurisdictions.

Our Team of In-house Experts and Experts from our Strategic Alliance Partners join the Team of Experts, including Legal Professionals, to deliberate on contentious clauses and explore options to negotiate or redraft these clauses.

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Families have endeavored to invest in Real Estate beyond their place of domicile, be it off plan properties being built or ready properties. PMS is the key to manage these assets efficiently.

Outsourcing is the best possible solution when the number of properties are spread across jurisdictions.

Our Team of In-house experts coordinate with Property Management companies to provide Turn Key solutions including but not limited to leasing out these properties, maintain these properties, keeping a track of service charges and statutory dues payable to Owners Management Association and also facilitate mortgage finance and disposal of property as decided by the Family.

We coordinate with Property Management Companies on ground to ensure seamless services to the family.

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World is becoming smaller, so to say, connectivity beyond boundaries is becoming seamless.

Mergers & Acquisitions is the trend and trend is our friend. We go with the trend always.

Essence of Mergers & Acquisitions is to leverage synergies, be it Revenue, Cost, Financial, Asset or IT Synergy.

Enterprises intend to grow, with a view to optimizing costs and maximizing market share. It’s a game of “SURVIVAL OF THE FITTEST”.

Seller of the Business endeavors to maximize their return and Buyer of the Business endeavors to optimize acquisition cost. We represent the Buy side or the Sell side, as required by the client and facilitate this process. Our role (in association with our Strategic Alliance Partners) is agreed upon prior to engagement and we accompany you in this journey throughout, till conclusion.

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With the requirement for increasing compliance be it UAE or Globally, this is again one of the most preferred services. Clients may have on ground presence with their team handling compliances that may require periodic review to check if there are any lapses or matters that require attention. In case on ground team is not in place and compliance is outsourced, timely follow up is required to ensure timely compliance and submission of required data / information / returns to the authorities in respective jurisdictions.

In either cases, Our In-house team of experts and experts from our Strategic Alliance Partners make ourselves available at the disposal of the client to review compliance, monitor compliance required and also liaise with Government Departments / Authorities or on ground agencies engaged to perform this function.

Intent is clear, you should not try Non-Compliance, it hurts.

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Improving performance on an on-going basis is always preferred. Improvement is a continuous process that never stops.

Management Consultants are always sought after to seek objective advice to improve performance, given their experience in engaging with diverse businesses across geographies.

Change management assistance, development of in-house training skills, analysis of procedures and processes, updation of standard operating procedures, review and implementation of technology / changes in systems, debottleneck existing operational limitations in organizations and beyond. These issues require expertise from professionals with niche skills, having dealt with diverse businesses across countries and jurisdictions.

Ultimately, improvement of performance is the Goal, that is continuous and unstoppable. Our In-house team of experts and experts from our Strategic Alliance Partners make ourselves available at the disposal of the client to render consultancy on need basis.

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Multinational companies have their inhouse team and they are equipped with tools and technology to consolidate financial figures across business segments and geographies. However, SME’s and MSME’s may not prefer to invest huge amount to set up dedicated offices / team to consolidate reports at periodic intervals, a task that is extremely tedious and time consuming, hence this concept of outsourcing.

At ZTI, we have a team of experts who are continuously engaged with clients representatives in different geographies handling different businesses and we endeavor to consolidate financial figures from these geographies and businesses into ONE REPORT that is made available to the client for their quarterly review. Purpose of ONE REPORT is to provide an overview of the overall performance of the group during the period under review.

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