Independent Investment Advisory
Business Advisory
Building Enterprises That
Endure Beyond Their Founders.
Four integrated advisory disciplines for entrepreneurs, founders, and family principals across the UAE, Saudi Arabia, and Egypt. From the first partnership agreement to the final succession plan — one mandate, end to end.
Confidential. Conflict-free. Mandate-led.
Business Advisory
Four disciplines. One integrated mandate.
Most advisors offer services. M20 offers an ecosystem — four interconnected disciplines that cover the complete lifecycle of business capital. Each one compounds on the last.
Discipline 01
Business Partnership & Structure
Most partnership breakdowns are caused by undocumented expectations, ambiguous equity splits, and decisions made without an agreed protocol — not by bad intentions.
We structure your partnership before the first disagreement is possible — using internationally recognised frameworks, jurisdiction-specific structuring across UAE, KSA, and Egypt, and legal enforcement via licensed counsel.
What This Delivers
DELIVERABLE
DESCRIPTION
Equity Framework
Share allocation using contribution-based, milestone-vesting, and sweat equity methodologies — no handshakes
Governance Protocol
Decision-making thresholds, operational boundaries, and approval authorities documented for each partner
Dispute Resolution
Dynamic remediation roadmap built before disputes arise, coordinated with licensed legal counsel
Jurisdiction Structuring
UAE mainland, freezone, KSA, and Egypt — partnership laws differ materially. M20 navigates all three.
Execution Monitoring
Ongoing oversight of agreement execution and milestone delivery for retained clients
What We Monitor After Engagement
Partner Alignment Drift
When business conditions change, partner priorities diverge. We flag misalignment against the agreed framework before it surfaces as conflict.
Governance Compliance
Are decisions being made according to the agreed protocol? We track decision-making integrity and escalate deviations early.
Equity Vesting Milestones
For milestone-based structures, we validate achievement, confirm triggers, and ensure equity release is fair and documented.
Role Execution
We monitor whether each partner is operating within their defined mandate — advising when boundaries need adjustment.
75%
Of venture-backed companies never return capital to investors. In 30–40% of cases, the entire initial investment is lost — not from a bad idea, but from the absence of a structured advisory framework at the critical stages of execution.
Source: Harvard Business School — Shikhar Ghosh, published in The Wall Street Journal
Discipline 02
Business & Financial Advisory
Advisory for builders — investors and entrepreneurs — who are serious about achieving identified financial goals. This is a selective mandate. We accept clients following a diagnostic session to assess commitment, clarity of objectives, and realistic potential for a successful outcome.
Clients who do not meet the threshold receive a structured development plan first. This is not gatekeeping — it is quality control that protects both parties.
What This Delivers
DELIVERABLE
DESCRIPTION
Track A — Existing Business
Business model review, growth strategy, capital raise preparation, deal sourcing, and investor pitch framework
Track B — New Venture
Patent protection, business model architecture, strategic roadmap, execution structure, and risk monitoring
Financial Coaching
1-on-1 goal identification, life objectives mapping, and transparent roadmap with predefined success indicators
Capital Architecture
Debt, equity, or hybrid — structured to protect control, minimise dilution, and preserve long-term optionality
Investor Access
Qualified investor introductions after passing internal due diligence — no introductions before readiness is confirmed
What We Monitor After Engagement
Milestone Accountability
Progress tracked against the agreed roadmap. Escalation triggered when deviation threatens the outcome.
Capital Deployment Discipline
How capital is deployed relative to plan — timing, sizing, and sequencing relative to business stage and market conditions.
Competitive Positioning
External developments that change the strategic landscape — competitor moves, regulatory shifts, and market timing requiring roadmap adjustment.
Execution Risk
Operational and structural risks — team gaps, governance weaknesses, and capital timing misalignment that can derail execution.
70%
Of family wealth is lost by the second generation. 90% by the third. The cause is almost never a bad investment — it is governance failure. The absence of a formal family office structure and documented succession plan is the most preventable cause of generational wealth erosion in the GCC.
Source: Williams Group Wealth Consultancy — widely cited in family governance and estate planning research
Discipline 03
Family Office & Trust Setup
A Family Office is a decision — one that signals your wealth has reached a level of complexity requiring its own governance, investment mandate, and succession architecture. Without it, the wealth you spent a lifetime building is structurally at risk the moment you stop managing it personally.
We design, establish, and govern family offices across ADGM, DIFC, BVI, and Cayman jurisdictions — matched to your asset profile, beneficiary residency, and succession objectives.
What This Delivers
DELIVERABLE
DESCRIPTION
Jurisdiction Architecture
ADGM, DIFC, BVI, Cayman — matched to your asset profile, beneficiary residency, and tax exposure
Governance Constitution
Investment committee structure, approval thresholds, prohibited assets, and conflict of interest protocols
Investment Policy Statement
Written mandate governing how the family's capital is invested, by whom, and under what constraints
Beneficiary Framework
Who receives what, when, and under what conditions — designed to incentivise rather than enable
Succession Architecture
Shariah-compliant or conventional — coordinated with UAE, KSA, and Egyptian legal frameworks
Ongoing Governance
Quarterly IC meetings, annual IPS review, beneficiary reporting, and compliance monitoring
What We Monitor After Engagement
Governance Integrity
Investment decisions monitored against the IPS. Deviations flagged before they create legal or family conflict.
Beneficiary Compliance
Distributions tracked against the documented framework — eligibility, amounts, and conditions verified quarterly.
Regulatory Exposure
Cross-border regulatory changes and new tax treaties that impact the vehicle's structure or reporting obligations across active jurisdictions.
Succession Plan Currency
Life events — births, deaths, marriages, asset acquisitions — trigger mandatory succession plan reviews. We track events and initiate them.
Discipline 04
Enterprise & Personal Valuation
Most entrepreneurs carry a number in their head about what their business is worth. Most professionals assume their salary defines their financial position. Both are wrong — and the cost of that assumption compounds quietly, year after year.
A business that is undervalued exits too early, on the wrong terms. An overvalued business wastes years on capital raises that go nowhere. And a professional who has never calculated their true market value continues trading their highest-earning years for a fixed income — while someone with the exact same skills built a business worth ten times that salary.
M20 answers two questions most people have never been asked directly: what is your business worth on the open market today, and what are you worth — not to your employer, not to a bank, but to the market, as an entrepreneur in your field.
The numbers will surprise you. The gap between them will stay with you.
What This Delivers
DELIVERABLE
DESCRIPTION
EBITDA Multiple
Industry-adjusted earnings multiple benchmarked against comparable GCC and MENA transactions — most commonly used by acquirers and PE investors
Revenue Multiple
Applied to growth-stage businesses where EBITDA is not yet stabilised — reflects investor appetite in your specific sector
Discounted Cash Flow
For businesses with predictable long-term cash flows — 5-year forward projections with full sensitivity analysis
Peer Comparison
Anonymous benchmarking against comparable companies in your sector. Named report available at paid engagement tier.
M20 Green Mark — Institutional Readiness
Businesses valued above the M20 threshold unlock: qualified investor introductions (post-DD) · strategic partner network · value optimisation roadmap to maximise your exit multiple
What We Monitor After Engagement
Valuation Driver Performance
Revenue growth, EBITDA margin, customer concentration, and management independence — the four variables that move your multiple. Tracked quarterly for retained clients.
Market Multiple Shifts
Sector multiples change with market conditions. GCC and MENA transaction data monitored to flag when your relative valuation is improving or deteriorating.
Investor Market Activity
For Green Mark clients, active investors in your sector and geography tracked — alerting you when strategic buyer appetite aligns with your valuation window.
Value Enhancement Progress
Progress against the enhancement roadmap — governance, revenue diversification, and management independence milestones that directly impact your exit multiple.