Free Qualification Call
No charge
Tell me about your business, what feels unclear, and where you need help. You'll leave knowing the right next step.
Book a free callPractical finance support for growing businesses
Know your numbers.Know your next move.
Senior finance expertise for product-based businesses, e-commerce brands and importers in the UAE. I help founders understand their true product costs, margins and cash position, and get their books ready for VAT and Corporate Tax.
I'm Ina Kanaplianikava, CPA, CA. 15+ years in senior finance, and hands-on experience running product businesses in the UAE.
I work alongside your accountant to connect sales, stock, costs and cash, so every pricing, purchasing and spending decision rests on reliable numbers.
Does this sound familiar?
The questions behind everyday business decisions.
Every one of these has a financial answer. Explore a challenge to see what may be behind it and how I can help.
Cash flow
Sales are growing. Why is cash still tight?
Your store is busy, but somehow there's never enough cash for the next supplier payment, rent or fulfilment bill. Let's find out where the money is going.
Product cost & pricing
Am I pricing my products right — and actually making a profit?
You know what you paid your supplier. But after freight, customs, packaging, fulfilment, platform fees and returns, do you know how much you're really earning?
Import & logistics costs
Am I paying more than I should to bring my products into the UAE?
Freight, port handling, clearance agents and unexpected charges can add up quickly. Do you know what you're paying for, and whether some costs could be avoided or charged twice?
Sales & payment reconciliation
Shopify shows one number. My bank shows another. Where's the difference?
Shopify, Amazon or Noon sales don't always match what reaches your bank. Payment fees, refunds, commissions and settlement timing may explain the difference — but are you tracking it?
Marketing profitability
My ads are bringing in orders. But are they actually making me money?
Your marketing dashboard looks promising. But after advertising, product costs, platform fees, delivery and returns, how much profit is actually left?
Financial visibility & growth
I have an accountant. But do I really know how my business is performing?
Your books may be up to date, but do you know which products make money, where costs are rising and whether your business can afford its next move?
Small financial gaps today can become expensive mistakes tomorrow.
Understanding your true costs, keeping cash under control and putting the right processes in place early can help you avoid unnecessary expenses, protect your margins and make better business decisions.
Areas of expertise
Where I can help your business.
From understanding your real costs to managing cash, reviewing profitability and preparing for tax obligations — practical finance support focused on the decisions you need to make.
Product & Marketing Profitability
Understand what you actually earn from each product, sales channel and advertising campaign — after product costs, fees, fulfilment, discounts and marketing spend.
Inventory, Imports & True Product Costs
Track purchases and shipments, review freight and clearance costs, and understand what your products really cost before deciding how to price or reorder them.
Cash Flow & Financial Planning
Understand where your cash is going, what payments are coming up and how much money you need for stock, operating expenses and future growth.
Sales, Payments & Financial Controls
Make sense of the differences between Shopify, Amazon, Noon, payment gateways and bank deposits — and put reliable checks in place.
Financial Reporting & Business Insights
Turn your existing accounting records into useful financial information, so you can understand performance, identify problems and make better decisions.
VAT & Corporate Tax Readiness
Review financial records, VAT transactions, inventory costs and year-end adjustments to identify issues before they become compliance problems.
Meet Ina
I've sat on both sides of the table.
I'm Ina Kanaplianikava, a Canadian CPA, CA with over 15 years of experience in controllership, corporate finance and public accounting in Toronto, Canada, including my role as Divisional Controller at Dream Unlimited.
For the past three years, I've been working with businesses in Dubai, combining financial consulting with hands-on entrepreneurial experience in e-commerce, trading and imports.
Having been both a finance professional and a business owner, I understand the challenges from both perspectives.
I've dealt with sourcing products, managing inventory, paying suppliers, arranging shipments, understanding hidden costs and setting prices that protect margins. I know how easily small expenses, delayed payments or gaps in financial processes can affect a business.
Today, I bring these two perspectives together — helping business owners understand their numbers, identify what needs attention and make better financial decisions without unnecessary complexity.
Qualified for the UAE
CPA, CA (Ontario). UAE Corporate Tax course, PwC Middle East. UAE Tax Agent Exam passed (2025).
Senior finance experience
15+ years in controllership and corporate finance, now 3+ years advising UAE businesses.
Hands-on with product businesses
Suppliers, inventory, freight, customs, landed costs, VAT and Corporate Tax.
International perspective
Canada, UAE, Cyprus, Greece and China, with international suppliers and trading.
How it works
A clear path forward.
A structured process from diagnosis to ongoing oversight. Take only the steps you need; many clients start with a single review or one focused project.
Step 1
Free Qualification Call
What we do
We start with a free conversation about your business, current priorities and where you may need financial support.
What you receive
We'll discuss the most appropriate next step — whether that's a financial review, a focused project or ongoing support.
Step 2
Startup Finance Review
What we do
A structured diagnostic of your latest three complete months: how sales, stock, costs and cash connect, and what needs attention first.
What you receive
- Finance Health Review (summary report)
- Key findings and risks, ranked by impact
- Prioritised 30–60 day action plan
- Founder review meeting
Step 3
Focused projects
What we do
Targeted work with a defined scope, based on the review findings or a question you already have: stock and margins, marketing profitability, sales-to-bank reconciliation or import costs.
What you receive
- Accurate landed costs and product margins
- Clear advertising economics
- Sales that reconcile to the bank
- A shipment cost summary, depending on the project
Step 4
Quarterly Review & VAT Readiness, Monthly Financial Oversight or Finance Partner
What we do
Regular senior finance oversight alongside your bookkeeper or accountant, at the level your business needs.
What you receive
- Reviewed accounts and a cash outlook
- VAT readiness and prioritised actions
- Regular founder meetings
Step 5
Year-End Finance & Corporate Tax Review
What we do
A review of your year-end records and Corporate Tax position, so issues are corrected before your accountant or tax agent files.
What you receive
- Year-end review summary
- Key tax adjustments and issues
- Filing-readiness checklist and recommendations
Where to start
Start with a conversation.
Tell me what you're working through. Together, we'll identify the right level of support for your business — whether that's a one-time review, help with a specific problem or ongoing financial guidance.
Most founders start here
Startup Finance Review
AED 1,750 · one-off
“Do my numbers make sense, and what needs fixing?”
I review your latest three complete months and show you what's working, what's not, and what to focus on next.
See what's includedWhat you can expect
Practical finance support, tailored to your business.
A personal approach
Support designed around your business, not a standard template.
A clear financial picture
Understand your costs, margins, cash flow and profitability.
Practical improvements
Find unnecessary costs and fix processes that aren't working.
Flexible support
One-time reviews, specific projects or ongoing involvement.
Services and prices
Choose the support you need.
Whether you need a financial review, help with a specific challenge or ongoing support, my services are tailored to your business and the decisions you need to make.
01
Free Qualification Call
No charge
An initial conversation to understand your business, the challenges you're facing and where you may need financial support.
Book a free call- Discuss your business and current priorities
- Identify the main financial concerns
- Explore how I can help and whether we're a good fit
You receive
A recommendation on the most appropriate next step, whether that's a financial review, a focused project or ongoing support.
02
Startup Finance Review
Do my numbers make sense, and what needs attention?
A good place to start
A structured diagnostic of your latest three complete months: how sales, stock, costs and cash connect, where the records are unreliable, and what to fix first.
- Sales, payment gateway and bank reconciliation
- Chart of accounts, bookkeeping setup and key records
- Inventory valuation and landed cost treatment
- Gross margin by product and channel
- Cash position, payables and upcoming supplier commitments
- Marketing spend and high-level unit economics
- VAT and Corporate Tax readiness
AED 1,750 · one-off
You receive
- Finance Health Review (summary report)
- Key findings, risks and control gaps, ranked by impact
- Prioritised 30–60 day action plan
- 60–90 minute founder review meeting
A diagnostic review, not an audit or a historical bookkeeping clean-up.
Start with a free call03
Focused Finance Projects
Have one particular problem? Let's address it. Choose focused support for the specific financial issue affecting your business.
Stock, Import & Margin Setup
From AED 3,500
What does my stock really cost me?
- Purchase order and supplier payment tracking
- Landed cost model by shipment and SKU
- Inventory reconciliation: system, physical count and ledger
- Product margin model
- Reorder planning linked to cash requirements
Outcome
Accurate landed costs, product-level margins and a reorder plan you can fund.
Marketing Profitability Review
From AED 2,500
Are my ads actually making money?
- Product-level unit economics
- Break-even return on ad spend and acquisition cost
- Contribution margin by channel and campaign
- Budget allocation recommendations
Outcome
A clear view of which products, channels and campaigns earn money after all costs.
Sales-to-Bank Reconciliation Fix
Scoped after review
Why don't my sales match the bank?
- Shopify, Amazon and Noon settlement reconciliations
- Payment gateway fees, refunds and chargebacks identified
- Accounting integration review
- Correcting entries and a repeatable monthly process
Outcome
Sales that reconcile to cash and the ledger, and a process that keeps them aligned.
Cash Flow Planning & Forecasting
Custom quotation
Sales are growing. Why am I still struggling to pay my bills?
Understand where your cash is going, what payments are coming up and how much money your business needs to operate comfortably.
- Review cash receipts and operating expenses
- Identify supplier payments, inventory purchases and upcoming commitments
- Assess cash tied up in stock and working capital requirements
- Develop a cash-flow forecast for an agreed period
- Identify potential shortfalls and recommend practical improvements
Outcome
A clearer view of your upcoming cash needs, with a practical forecast, payment schedule and recommendations to help you plan spending and inventory purchases.
Deliverables are subject to agreed scope and available records.
Import Finance Coordination
Quoted per shipment
Financial coordination and cost review for a specific shipment — including supplier payments, freight, customs-related charges, invoice discrepancies and final landed-cost visibility.
OutcomeA clearer shipment-cost picture, potential billing discrepancies and practical recommendations to improve cost control.
Not customs brokerage or customs clearance.
04
Ongoing support
Quarterly Review & VAT Readiness
AED 1,250–1,500 per quarter
Is everything on track before the next quarter?
- Quarterly review of management accounts, sales, cash and inventory
- VAT records, input and output VAT, and readiness for the return
- Margins, supplier balances and significant movements
- Next-quarter cash outlook and prioritised actions
- 60-minute founder meeting
Monthly Financial Oversight
AED 4,500 per month
For founders who have an accountant or bookkeeper but need experienced financial oversight to understand business performance, manage cash and spot potential problems early.
- Monthly review of financial performance, cash position and upcoming commitments
- Review of key costs, margins and profitability indicators using available reports
- Identification of significant financial issues and recommended actions
- One monthly founder meeting, up to 60 minutes
- Brief written summary of key findings and priorities
- Limited follow-up questions and clarification with the bookkeeper
Financial review and advisory support using existing records. Bookkeeping, preparation of accounts and substantial reconciliations are not included.
Finance Partner
From AED 6,000 per month
For founders who need more than a monthly review — an experienced finance professional to help plan ahead, evaluate options and make informed financial and operational decisions.
- All services included in Monthly Financial Oversight
- Updates to an agreed rolling cash-flow forecast using available information
- Ongoing advice on agreed priorities, such as pricing, product profitability, inventory, supplier commitments or purchasing
- Two founder meetings per month, up to 60 minutes each
- Follow-up with relevant team members on agreed financial actions
- Advisory questions between meetings within the engagement scope
Priority areas and the level of involvement are agreed at the start. Extensive analysis, historical corrections and new financial systems are separately scoped.
Compare ongoing support
How much support does your business need?
Each option helps you stay on top of your finances. The difference is how often we review your numbers and how involved I am in your business decisions.
| What's included | Quarterly Review | Monthly Financial Oversight | Finance Partner |
|---|---|---|---|
| Review frequency | Quarterly | Monthly | Monthly |
| Cash and performance oversight | Quarterly review and next-quarter cash outlook | Monthly review of performance, cash and upcoming commitments | Monthly review, with forward planning on agreed priorities |
| Margin and cost review | Quarterly | Monthly, using available reports | Monthly, plus advice on pricing and product profitability |
| Cash-flow forecasting | Next-quarter cash outlook | Upcoming commitments reviewed | Agreed rolling forecast, updated regularly |
| Founder meetings | One per quarter, 60 minutes | One per month, up to 60 minutes | Two per month, up to 60 minutes each |
| Financial decision support | Next-quarter priorities | Recommended actions on significant issues | Ongoing advice on agreed priorities |
| Bookkeeper/team coordination | Limited, as needed | Limited follow-up with your bookkeeper | Follow-up with relevant team members on agreed actions |
| Questions between meetings | Not included | Limited follow-up questions | Advisory questions within agreed scope |
| Separately scoped projects | Quoted separately | Quoted separately | Quoted separately |
Ongoing support works best when accounting records are reasonably up to date and maintained by an accountant or bookkeeper. Services focus on financial oversight, advice and agreed planning activities. Historical clean-ups, substantial reconciliations, routine bookkeeping, tax filings, new financial systems and complex financial models are quoted separately.
05
Year-End Finance & Corporate Tax Review
AED 1,500–2,000+ · one-off
Are my accounts ready for year-end and Corporate Tax?
A review of your year-end financial records and Corporate Tax position, so issues are corrected before your accountant or tax agent files the return.
- Year-end profit and loss and balance sheet review
- Bank and payment reconciliations
- Inventory and cost of goods sold
- Accruals, payables and major expenses
- Owner and related-party balances
- Corporate Tax adjustments and Small Business Relief, where applicable
- Estimated Corporate Tax position
You receive
Year-end review summary, key tax adjustments and issues, a filing-readiness checklist and recommendations.
All prices are starting points. Final scope depends on business size, transaction volume, record quality, number of entities, inventory complexity and import activity. Historical clean-ups and complex multi-entity work are quoted separately.
Let's talk
Not sure which support is right for your business?
Tell me what's happening in your business. We'll discuss your priorities and identify the most useful next step — whether that's a financial review, help with one specific issue or ongoing support.
Book a free call
No obligation. Just an initial conversation.
Common questions
How do I know which service is right for my business?
You don't need to decide before getting in touch. We can start with a free conversation about your business and what you're trying to resolve. Depending on your needs, I may recommend a one-time financial review, a focused project or ongoing support. You only pay for the services we agree on.
How is this different from my accountant?
Your accountant records transactions and prepares your accounts and returns. I focus on what those numbers mean for the business: product profitability, landed cost, cash planning, and whether your records are ready for VAT and Corporate Tax. The two roles complement each other.
Is this a fractional CFO service?
It provides senior finance oversight in the same spirit, at a scope and price suited to founder-led product businesses. The work is hands-on and practical, rather than board reporting or fundraising.
Do I need to change my accountant?
No. Your bookkeeper or accountant continues to maintain the books. I review the numbers, coordinate with them where needed, and help you act on what the numbers show.
Do you file my VAT or Corporate Tax returns?
I review your books so they're ready for VAT and Corporate Tax filing. Your accountant or tax agent files the returns.
What do I need to provide for the finance review?
Access to your sales channels, payment platforms, bank statements and accounting records for the latest three complete months. We confirm exactly what's needed on the free call.
What if my records are incomplete?
That's common, and the review will show where. If a larger clean-up is needed, it is scoped and quoted separately before any work starts.
Meet Ina
Your finance partner in the UAE.
I've sat on both sides of the table.
I'm Ina Kanaplianikava, a Canadian CPA, CA with over 15 years of experience in controllership, corporate finance and public accounting in Toronto, Canada, including my role as Divisional Controller at Dream Unlimited.
For the past three years, I've been working with businesses in Dubai, combining financial consulting with hands-on entrepreneurial experience in e-commerce, trading and imports.
Having been both a finance professional and a business owner, I understand the challenges from both perspectives.I've dealt with sourcing products, managing inventory, paying suppliers, arranging shipments, understanding hidden costs and setting prices that protect margins.
Today, I combine my corporate finance background with firsthand business experience to help founders understand their numbers, identify unnecessary costs and make better decisions. My approach is practical, personal and tailored to how each business actually operates.
My approach
Practical, structured and focused on decisions.
- 01
Understand your business
I start by understanding how you sell, buy, manage stock and get paid.
- 02
Find what matters
We identify the financial gaps that have the biggest impact on your business.
- 03
Make practical improvements
We agree on solutions suited to your operations, priorities and budget.
- 04
Keep things on track
Put useful financial checks and routines in place, with ongoing support if needed.
Qualifications
- CPA, CA — Ontario, Canada
- UAE Corporate Tax course — PwC Middle East (2025)
- UAE Tax Agent Examination passed (2025)
Experience
- 15+ years in controllership, corporate finance and public accounting in Toronto, Canada
- 3+ years in UAE finance consulting and entrepreneurship
UAE business
- UAE business and company setup
- VAT and Corporate Tax requirements
- E-commerce, trading and product-based business operations
- Supplier payments, inventory and imports
- Freight, customs and landed costs
- Financial reconciliations and process improvements
International
- Canada, UAE, Cyprus, Greece and China
- International supplier relationships, sourcing and trading activities
- Experience working across different business environments
Contact
Book a free call.
No charge and no obligation. Tell me a little about your business and I'll be in touch to arrange a time.
Thank you.
Your enquiry is in. I'll reply by email to arrange a time for your free call.
Preview: enquiries are not delivered until a form service is connected.
Meanwhile, see servicesPrivacy Policy
Last updated: 30 October 2026
1. Introduction
IK Finance Studio ("we", "us", "our") respects your privacy and is committed to handling personal information responsibly.
This Privacy Policy explains how information is collected, used, stored and shared when you visit our website, submit an enquiry or contact us about our services.
IK Finance Studio is based in Dubai, United Arab Emirates. Contact details are provided below.
2. Information We Collect
We may collect information you provide through our website or during business communications, including:
- Your name, email address and telephone number
- Business name, website and business contact information
- Information about your business and financial challenges
- Approximate business sales range, where voluntarily provided
- Enquiry messages and correspondence
- Information shared during introductory conversations
Our website hosting and security providers may also process technical information, such as IP addresses, browser information and website access data.
Please do not submit passwords, banking credentials, confidential financial statements or other highly sensitive documents through the general website enquiry form.
3. Purposes and Legal Basis for Processing
We use personal information to:
- Respond to enquiries and arrange introductory calls
- Understand prospective clients' business requirements
- Discuss services and prepare proposals
- Maintain business correspondence and reasonable follow-up records
- Operate and secure the website
- Comply with applicable legal requirements
- Protect legitimate business and legal interests where permitted
Processing will be based on an appropriate legal basis under applicable data protection law, including consent, necessary pre-contractual steps or other permitted grounds.
Submitting an enquiry does not automatically subscribe you to promotional marketing.
Where consent is required for marketing communications, we will obtain it. You may opt out of promotional communications at any time.
4. Contact Forms and Communications
Website enquiries are processed through Formspree, a third-party form service.
Form submissions may be stored in Formspree and forwarded to our business email service, Zoho Mail.
If you contact us using WhatsApp, your communications are also subject to WhatsApp's applicable privacy practices and terms.
We use submitted information to review and respond to your enquiry and, where appropriate, discuss a potential business relationship.
5. Third-Party Service Providers
We may use service providers to support website delivery, enquiry processing and business communications, including:
- Cloudflare — website hosting, delivery and security
- Formspree — enquiry form processing and storage
- Zoho Mail — business email communications
- WhatsApp — optional business messaging
- Google Fonts — delivery of the website’s typefaces
These providers process relevant information as part of their respective services.
We do not sell personal information.
We may disclose information where legally required or to appropriately authorised advisers and service providers where necessary.
6. Cookies, Analytics and Advertising
Our website uses hosting and security technology that may process technical information necessary to deliver and protect the website.
If website analytics, non-essential cookies, advertising pixels or remarketing technologies are introduced, we will update this Privacy Policy and implement any notices or consent mechanisms required by applicable law.
Visiting our website does not automatically enrol you in advertising or marketing communications.
Advertising platforms such as Instagram and Facebook have their own privacy practices when you interact with advertisements or communicate through those platforms.
7. International Processing
Our technology providers may process or store information outside the United Arab Emirates.
Where cross-border transfers of personal information occur, we will apply appropriate legal grounds and safeguards as required by applicable data protection law.
8. Retention
We retain personal information only for as long as reasonably necessary for the purposes described in this Policy or to meet applicable legal obligations.
Enquiries that do not result in an engagement will be reviewed periodically and deleted or anonymised when no longer reasonably required.
Information relating to an established professional engagement may be retained for relevant legal, contractual and recordkeeping purposes.
9. Security
We take reasonable organisational and technical measures to protect personal information from unauthorised access, disclosure, alteration or loss.
No online service or electronic communication method is completely risk-free. We encourage visitors not to send sensitive financial records through unsecured or general-purpose communication channels.
10. Your Rights
Subject to applicable law, individuals may have rights to request access to, correction or deletion of their personal information, withdraw consent, or request restriction or cessation of certain processing activities.
To make a request, please email [email protected].
We may request reasonable identity verification and will handle requests in accordance with applicable law.
11. External Websites
Our website may contain links to independent third-party websites and communication platforms.
Their privacy practices are governed by their own policies. We encourage visitors to review those policies before sharing personal information.
12. Policy Updates
We may update this Privacy Policy as our business, technology or legal obligations change.
Updates will be published on this website with a revised date.
13. Contact
IK Finance Studio
Dubai, United Arab Emirates
Email: [email protected]
Phone: +971 58 644 3499
Website: ikfinancestudio.com
Website Terms of Use
Last updated: 30 October 2026
1. Introduction
These Website Terms of Use govern access to and use of the IK Finance Studio website.
IK Finance Studio provides information about financial management consultancy and business advisory services for founders and small and medium-sized businesses.
By using this website, you agree to these Terms to the extent permitted by applicable law.
2. Nature of the Information
Website content is provided for general information only.
Although we aim to keep information accurate and relevant, it is not intended to constitute personalised financial, legal, tax or investment advice.
Visitors should obtain professional advice appropriate to their circumstances before relying on information for significant business decisions.
3. Services
Our services may include:
- Financial performance reviews and management reporting analysis
- Cash-flow planning and forecasting
- Business budgeting and financial planning
- Product costing and profitability analysis
- Working capital and inventory-related financial analysis
- Financial decision support
- Agreed focused finance projects
- Ongoing financial oversight and advisory support
All services are subject to the scope agreed with each client, applicable licensing requirements and our professional capacity.
Unless separately confirmed under an appropriately authorised engagement, we do not provide statutory audit, regulated investment advice, investment product recommendations, routine bookkeeping, customs brokerage, or statutory tax return preparation and filing.
References to VAT or tax readiness do not imply representation as a registered tax agent.
4. Prices and Quotations
Prices displayed on the website are indicative or starting prices for the services described.
The actual fee may depend on the complexity of the work, available financial information, agreed deliverables and estimated professional time.
Any applicable taxes, additional services and reimbursable expenses will be identified in the relevant quotation or agreement.
The final engagement terms, scope, fees and payment arrangements must be agreed in writing before professional services begin.
5. No Automatic Professional Relationship
Accessing this website, submitting an enquiry, communicating through WhatsApp or attending a free introductory call does not create a professional adviser–client relationship.
An engagement is established only after the relevant services and terms have been formally agreed and accepted.
We reserve the right to decline work that falls outside our professional expertise, resources or authorised activities.
6. Introductory Calls
Free introductory calls are intended to understand a prospective client's business, discuss general financial priorities and assess whether our services may be suitable.
They do not constitute a detailed financial diagnostic, professional assurance engagement or comprehensive advisory report.
Preliminary observations made during introductory discussions should not be relied upon as a complete analysis of a business.
7. Client Responsibilities
Under a formal engagement, clients remain responsible for providing accurate and complete information, maintaining appropriate business records and making their own commercial and management decisions.
Clients also remain responsible for statutory compliance and regulatory submissions unless an authorised and specifically agreed service provides otherwise.
Additional responsibilities will be specified in the relevant engagement agreement.
8. Illustrative Financial Information
Examples, scenarios, financial calculations, charts and business illustrations presented on this website are for educational and explanatory purposes.
Illustrative figures should not be interpreted as actual client outcomes or guarantees.
Financial forecasts and projections depend on assumptions, circumstances and information that may change.
9. No Guaranteed Results
We do not guarantee specific increases in revenue, profitability, cash flow, business valuation or other financial outcomes.
Business decisions and their commercial results remain subject to multiple factors beyond the control of any adviser.
10. Intellectual Property
Unless otherwise indicated, original website content, design, branding, illustrations and materials belong to IK Finance Studio or are used under appropriate rights.
Visitors may view and reference website content for lawful informational purposes.
Unauthorised commercial reproduction, redistribution or presentation of substantial original content as another party's work is prohibited, except where permitted by law.
11. Website Use and Availability
Visitors must not misuse the website, interfere with its security, attempt unauthorised access or submit malicious or unlawful content.
While reasonable care is taken to maintain the website, uninterrupted availability or error-free operation cannot be guaranteed.
We may update or change website information and functionality when necessary.
12. Third-Party Links
Links to external websites or services are provided for convenience.
IK Finance Studio does not control independent third-party websites and is not responsible for their separate content, availability, privacy practices or terms.
13. Confidentiality and Enquiries
We treat business enquiries with appropriate discretion.
However, a general website enquiry or preliminary conversation is not equivalent to the confidentiality arrangements established under a formal professional engagement.
Prospective clients should avoid sending sensitive business records, financial documents or credentials through public enquiry forms.
Where an engagement is established, detailed confidentiality and information-handling responsibilities will be governed by the applicable agreement.
14. Responsibility and Liability
Website information is general in nature, and visitors are responsible for determining whether it is appropriate for their circumstances.
To the extent permitted by applicable law, IK Finance Studio does not accept responsibility for losses arising solely from reliance on general website information without an established professional engagement.
Liability relating to professional engagements will be addressed in the applicable engagement agreement.
Nothing in these Terms excludes legal obligations or rights that cannot lawfully be excluded.
15. Applicable Law
These Website Terms are intended to operate under applicable laws of the United Arab Emirates.
Specific governing-law and dispute-resolution arrangements for professional services will be confirmed in the applicable written engagement agreement.
16. Changes to Terms
We may revise these Terms to reflect changes to our services, website or applicable requirements.
The updated Terms will be displayed on this website with a revised date.
17. Contact
IK Finance Studio
Dubai, United Arab Emirates
Email: [email protected]
Phone: +971 58 644 3499
Website: ikfinancestudio.com
- Product 42.00
- Freight 6.50
- Duty 2.40
- Clearance & handling 1.80
- Other direct costs 2.30
+31% on top of the invoice before the product reaches your shelf.
Illustrative figures, per unit.
- Day 0Supplier deposit paid
- Day 30Balance and freight paid
- Day 52Duty and clearance paid
- Day 75Stock sells
- Day 90Payout reaches the bank
- Cash going out
- Cash coming back
About 90 days between paying for stock and having the cash back.
Illustrative timeline for one sea-freight order.
Sale price180.00
Discount code (10%)− 18.00
Landed product cost− 55.00
Fulfilment and delivery− 15.00
Payment fees (3%)− 4.86
Advertising per order− 45.00
What's actually left42.14
The ad dashboard shows 3.6× return on ad spend. After every cost, you keep 23% of the sale.
Illustrative figures. Return on ad spend = 162 revenue after discount ÷ 45 ad spend.
Sales in Shopify48,200
Refunds and chargebacks− 3,290
Gateway and marketplace fees− 1,130
Should reach the bank43,780
Actually received43,150
Difference to explain630
Most of the gap usually has a reason. The work is finding the part that doesn't.
Illustrative figures, AED.
Let's talk.
Book a free call to discuss your business, explore the best next step and see how I can help.