Sam Finance
Saudi cloud accounting: from invoice to financial statements in one place
Double-entry ledger, ZATCA-compliant e-invoicing, VAT, receivables, banking, and real-time financial statements: issue an invoice and its entries post automatically, reflected instantly in your trial balance. No scattered spreadsheets, no manual entries.
Business-plan subscribers get 50% off this system- Fully Arabic RTL with Hijri and Gregorian dates
- Compliant e-invoicing: Phases 1 and 2
- Per-entity data isolation (RLS)
- Tamper-evident entries via hash chaining
Compliant e-invoicing: Phase 1 and Phase 2
A native in-system gateway integrated with the Fatoora platform: clearance for standard B2B invoices, reporting for simplified B2C ones, and credit/debit notes, with a self-service onboarding wizard per entity and its certificate, successfully tested against ZATCA’s sandbox environment.
- Phase 1: QR-coded tax invoices with all mandatory fields, bilingual
- Phase 2: clearance and reporting through native Fatoora integration
- Self-service onboarding wizard per entity with its CSID certificate
- Cancellation via reversing entries, never deletion: your books stay intact
Modules and capabilities
Ledger & journals
Chart of accounts, double entries, trial balance, and periods with annual profit closing.
VAT
VAT returns on accrual or cash basis, tax positions, and tax units for groups.
Receivables & collection
Debt aging, party statements, due reminders, and cash-flow projection.
Banking & financing
Bank reconciliation, pending checks and clearing, and loans with amortization schedules.
Financial statements
Balance sheet, income statement, cash flow, and a custom report engine.
Assets & planning
Fixed assets and depreciation, budgets, and entity consolidation for groups.
Currencies & deferrals
Multi-currency with revaluation, plus deferred revenue and expenses for prepayments.
Secure multi-entity
Full per-entity isolation, user roles, audit log, and two-factor authentication.
Why this system?
Scattered spreadsheets and error-prone manual entries
A double-entry ledger with a trial balance that auto-balances on every posting
Invoices that miss ZATCA requirements
Compliant QR invoices with complete fields, and a direct Phase-2 gateway
Receivables scattered with no follow-up
Debt aging, statements, and due reminders in one place
Reports that wait for month-end
Live balance sheet, P&L, and cash flow at any time
Security and trust
- Per-entity isolation at the database level (Row-Level Security): your data is invisible to anyone else.
- Tamper-evident books: hash chaining over posted entries exposes any later modification.
- User roles, two-factor authentication (TOTP), and an audit log for every sensitive action.
- Containerized cloud deployment with data backups.
Part of the integrated Sam ecosystem
It never works in isolation. It integrates with your Sam Mail email and the rest of the Sam systems, keeping your data consistent and your work in one cycle.
Frequently asked questions
Is it compliant with ZATCA requirements?
Yes: Phase-1 invoices with QR and mandatory fields, and a native Phase-2 gateway (clearance and reporting) with per-entity self-onboarding, tested against ZATCA’s sandbox.
Do I need accounting expertise to start?
No, your account is auto-configured with a ready chart of accounts, periods, and taxes, so you issue your first invoice in minutes and its entries post themselves.
Is my business data isolated?
Yes: full database-level isolation (RLS), with user roles, two-factor authentication, and an audit log.
Does it support multiple entities?
Yes: multi-entity with full isolation, group entity consolidation, and group tax units.
Is it truly built for the Saudi market?
Built for it from the ground up: fully Arabic RTL, Hijri and Gregorian dates, VAT, and ZATCA-compliant e-invoicing.
Ready to see it on your own data?
Request a demo and our team will reach out the same day.