Strategic finance leadership for Saudi businesses — from the boardroom to bank-ready financials.
Raghad Almarzouki, FMVA, is a finance executive with 15+ years setting financial strategy, treasury, and governance for PIF-backed, international, and regulated organizations. Through Fintexe, that same discipline is available to Saudi businesses two ways: as interim or fractional finance leadership for scaling and funded companies, and as fixed-fee, fixed-scope support — bank-ready financials, budgeting, and audit-readiness — for owner-led SMEs.
Services
Why Fintexe
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Enterprise finance experience, right-sized to you
Built and led FP&A, budgeting, forecasting, treasury, and financial governance functions for a PIF portfolio company, an international scale-up, and a regulated national enterprise. Applied at full scale for interim and fractional leadership clients — and right-sized for a Saudi SME.
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Built for Saudi Arabia
Models built with GOSI, ZATCA, WPS, Zakat and local cost structures inside them — not adapted from generic global templates.
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Transparent, fixed pricing
Scoped and priced upfront. You know the number before you commit.
Raghad Almarzouki, FMVA
Founder, Fintexe
I’m a finance executive with 15+ years setting financial strategy and leading enterprise-wide FP&A, budgeting, forecasting, treasury, and financial governance for complex, regulated organizations — including a national aviation catering company, a PIF-backed gaming group, and a fast-scaling international enterprise. Through Fintexe I take on interim and fractional finance leadership for scaling and funded businesses, and bring that same discipline, right-sized, to SMEs and founders getting financing-ready.
Not raising debt yet? Start here.
Not every business needs a full financing package. If you’re earlier-stage or building your first proper model, these fixed-scope products get you clarity fast — and grow with you when you’re ready for bank financing.
13-Week Cash Flow Forecast
A direct-method, week-by-week projection of cash in and cash out over the next quarter — collections, supplier and payroll payments, with GOSI/ZATCA/WPS/Zakat as hard outflow anchors. The standard treasury tool for spotting a cash squeeze before it hits.
Custom 3-Statement Model
A fully custom P&L, balance sheet and cash flow built around your drivers (funnel, churn, headcount, scenarios). A planning model you own — unlike Bank-Ready Financials, it isn’t built on cleaned historical books and is packaged for you rather than a lender.