Building finance functions for start-ups and SMEs

Scale your start-up/ SME confidently with financial strategies that ensure financial control and full compliance, preparing you seamlessly for your next growth phase.

Licensed Tax Agent (Zw)

Tax advisory and compliance services to keep you in good standing with ZIMRA.

Registered Public Accountant (Zw)

Tailored financial reporting to keep you compliant and informed.

Registered Tax Practitioner (SA)

South Africa tax solutions: compliance and optimization.

Corporate Rescue Analyst

We help distressed firms stabilise and grow— turn around and restructure.

150+ start-up & SMEs
impacted

With nearly a decade of technical accounting, tax management, and finance experience in South Africa & Zimbabwe, 150+ start-ups, and SMEs were directly impacted.

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PLATFORMS & PARTNERS
Operational Excellence

Driving financial clarity & business growth

Each business is unique and deserves a tailor-made financial solution that aligns with your goals. Culverwell creates, optimizes, and manages functions by covering the critical financial areas for each business.

Governance, Systems, and Procedures

Every business has unique governance needs. Culverwell evaluates these to recommend a tailored, growth-focused finance system that optimises financial data use. As business cycles shift, ongoing system checks are essential.

Tax planning and compliance issues

To scale your business, proactively manage how local taxes impact performance. Culverwell works with you and your team to removes tax ambiguity with a strategy that aligns with your growth plan.

Corporate Reporting

Running a business demands knowing the what, why, how, and when of every dollar spent. This understanding is crucial for managers, economic stakeholders, and anyone interested in the business's impact.
Courses

A new mindset around finance functions

Join hundreds of SMEs and accountants who have transformed their growth journey with our proven strategies.

All courses

Tax for Innovators

This course equips entrepreneurs, startup founders, and innovation-driven businesses with the knowledge to confidently handle tax compliance, structuring, and planning within Zimbabwe. Grounded in the Income Tax Act, Finance Act, and VAT legislation, the course covers practical treatments of director fees, deferred income, voluntary disclosures, and efficient entity structuring. The content is adapted from Culverwell’s Innovator’s Guide to Taxation.

Coming soon →

Export Finance and Compliance

This course offers a hands-on framework for understanding the intersection of tax, exchange control, and trade finance for exporting businesses. Drawing directly from the Exporters Guide to Taxation, Exchange Control and Trade Finance, participants are trained in FCA account structuring, export VAT treatment, RBZ requirements, customs compliance, and trade finance instruments such as Letters of Credit and credit guarantees.

Coming soon →

Corporate Rescue for Business Leaders

Targeted at directors, shareholders, and key executives, this course provides clarity on Zimbabwe’s corporate rescue mechanisms, as provided under the Insolvency Act and Companies and Other Business Entities Act. The training draws from the experiences and lessons contained in the Corporate Rescue Procedures and Insights Manual, with a focus on initiating business rescue, creditor negotiations, schemes of arrangement, director responsibility and liquidation avoidance.

Coming soon →
In-person Training For Teams

Explore workshops & level up your team

Explore courses designed to sharpen your skills and accelerate your success. Gain practical knowledge to grow your business or career with ease. Join hundreds who have achieved their goals and start learning today!

Success Stories

Discover how our services drive business success and growth. Let our clients' stories inspire your next move!

Mr. Loxton
UGE Zimbabwe

Working with Culverwell has brought a new level of financial clarity and confidence to UGE Zimbabwe. As our outsourced CFO, Culverwell helped us streamline our reporting and forecasting, enabling us to make informed strategic decisions with ease. It’s been a transformative partnership.

Mr. Thompson
Stellar Solar Supplies

Tax season used to be a headache—until Culverwell came on board. Their professionalism and responsiveness made our compliance smooth and worry-free. We’ve gained peace of mind and more time to focus on growing our solar distribution business.

Mr. Musamba
Dijo Seed Zimbabwe

Culverwell’s support as our finance manager has been critical. From day one, processes were made simple and communication was always clear. We’ve seen better cash flow control, cleaner books, and real financial discipline thanks to their hands-on guidance.

Seedsurge

Culverwell Advisory has given Seedsurge a financial backbone. With them acting as our CFO, we’re no longer guessing—we’re planning. Their systems and insights helped us confidently scale our operations while maintaining strict cost controls.

Innovation Manager
POTRAZ Innovation Drive

Culverwell’s training for startups under the Innovation Drive was practical, approachable, and incredibly relevant. Founders left the sessions equipped with actionable knowledge and confidence in their tax compliance journey. A great enabler for early-stage success.

Mr. Moorcroft
Pelgin Consulting Services

As a multi-franchise business in heavy machinery, our operations are complex—but Culverwell made the numbers simple. Their accounting support keeps our books audit-ready and our internal controls solid, freeing us to focus on growth and partnerships.

Mr. Chengeta
Ralton Electricals

Since Culverwell took over our tax affairs, it’s been smooth sailing. No surprises, no last-minute rushes—just proactive, clear guidance that keeps us compliant and confident.

Mr. Noratam
Internet of Kaps

Culverwell brought structure to our finances and strategy to our growth. Their tax and financial advice are always timely, understandable, and aligned with our business goals. It feels like having an in-house finance team without the overhead.

Simon
Saka Solutions

Compliance was a major stress point—until Culverwell stepped in. They’ve simplified the entire process, kept us ahead of deadlines, and added financial reporting that’s helped us spot new growth opportunities. Highly recommended for any fast-moving company.

Leadership Thoughts

Articles & Insights

Our articles provide valuable knowledge to keep you ahead and make informed decisions. Explore the latest updates and strategies

VAT and Cash Management

VAT and Cash Management Working capital management is essential for financing day-to-day business activities. More so for SMEs which often have shorter runways (period taken to spend available cash resource) due to tight liquidity and limited cash management options. The business model applied plus the operating environment presents both opportunities and threats to how an […]

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Exchange Control Regulations Part 2

Continuing with our discussion from the first article, we look at how the payments for current international payments are done using both auctions i.e., the RBZ auction and the Willing Buyer Willing Seller auction.  The RBZ Auction The RBZ auction was introduced in June 2020 to allow for transparent and efficient allocation of foreign currency […]

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ADOPTING AN ENABLING TAX CULTURE

In my experience working with SMEs, I have observed that tax compliance is a difficult task even when one understands their tax strategy. As a result, obtaining a valid tax clearance certificate is the only pain point, sadly. ‘Culture eats strategy for breakfast.’ It cannot be over emphasized that good corporate culture allows for the […]

What is an SME?

Have you ever wondered how businesses are classified in Zimbabwe? Whether your business is a micro, small or medium or large enterprise? Understanding classification is important as this allows you to pick on the economic policies targeted to the business cluster/size you belong. In Zimbabwe SMEs are classified as such according to the 5th Schedule […]

Performance Management Management Accounts as a tool for financial control

Running an SME to attain short-term liquidity and profit maximization (objectives to sustaining operations in this side of the hemisphere) requires constant tweaking of the tactics in response to the pressures and opportunities in the external environment. This, therefore, requires preparation of management accounts that communicate performance in the context of these objectives and the […]