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Financial Architecture for E-Commerce Brands Targeting the U.S. Market: TAM Accounting

TAM Accounting

The United States (U.S.) is a giant economy that many companies dream of entering. Many companies begin selling successfully, but remain financially mispositioned. Often, they do not realize this until the costs become visible. It is not difficult to establish a company or start an e-commerce operation in the U.S. What really makes a difference is building the right foundation. The right company structure, the right tax strategy, and a scalable accounting system that supports growth are essential. TAM Accounting, which serves cross-border e-commerce brands, companies selling through global marketplaces, and international entrepreneurs scaling in America, was born out of the gaps faced by global businesses entering the U.S. market. TAM Accounting, based in the U.S., was a guest at WORLDEF E-COMMERCE!

TAM Accounting Founder and CEO Yeşim Deretam shaped the firm’s DNA through a finance and tax journey that began in Türkiye and deepened in the U.S. “We are positioned as a long-term financial architect, not as a year-end filing firm,” said Deretam, adding that they build sustainable systems that allow brands to grow with clarity and confidence. Deretam, who holds credentials such as IRS Enrolled Agent, IRS Acceptance Agent, and Tax Coach, and has deep experience in multi-state compliance, international tax, and e-commerce accounting, stated that TAM Accounting has become a strategic guide for global operators, not just a service provider.

“For Cross-Border E-Commerce Brands, Trust Means Preventing Costly Decisions Before They Happen”

“Our story is the story of becoming a trusted partner for companies that want to scale internationally with the right financial positioning from day one,” said Yeşim Deretam, explaining the company’s “Trusted Accounting Mentor” motto: “For us, trust is not only about accurate numbers or timely filings. Trust means providing foresight. Identifying risks early, asking the right questions at the right time, and standing beside the client as a strategic guide.

This motto reflects our view of accounting; not as a backward-looking reporting function, but as a management tool that shapes the future. The word ‘guide’ is intentional. We don’t only focus on today’s compliance we factor in 3–5 year growth goals, international expansion plans, capital structure, and long-term operational realities. Especially for cross-border e-commerce brands scaling in the U.S., trust means preventing costly decisions before they happen.”

Yeşim Deretam talked about what differentiates TAM Accounting from other firms: “Our greatest differentiator is that we treat tax and accounting as strategic infrastructure—not a commodity service. We work across a broad range of industries and business models from manufacturing and retail to entrepreneurs, franchise networks, and global e-commerce operators. We don’t just look at financial statements, we analyze the business ‘code.’ This approach allows us to identify weaknesses many companies don’t see internally and build solutions around them.”

Most In-Demand Services from TAM Accounting:

According to Yeşim Deretam, the most requested service areas from TAM Accounting are those that directly impact a company’s ability to enter and scale in the U.S. safely and efficiently. These are listed as:

  • U.S. company formation & strategic structuring: Choosing the right state, the right entity type (LLC, C-Corp, partnership), and building the tax-optimized foundation.
  • E-commerce-focused accounting and tax management: Platform-based bookkeeping design, fee/refund separation, profitability analysis, and multi-state compliance.
  • Sales tax & Nexus analysis: Identifying when and where obligations arise, managing registrations, filings, and sustainable systems as sales grow.
  • International tax planning & year-round tax strategy: Moving from reactive “tax season” behavior to proactive planning.
  • Financial reporting & cash flow visibility: Clean, readable reporting that supports leadership decisions—especially during rapid growth.

“We Treat E-Commerce as a Multi-Layered Ecosystem”

Talking about the specific services provided to e-commerce companies, Deretam said: “We treat e-commerce as a multi-layered ecosystem financially, operationally, and tax-wise. Our solutions are built to support scalability and profitability, not just bookkeeping. Marketplace and platform-based accounting systems are designed to separate revenue, fees, refunds, logistics, and marketing spend. E-commerce international tax planning helps reduce unnecessary tax burden in cross-border structures and prevent double-taxation pitfalls. E-commerce accounting is not ‘recording sales.’ It is building a structure that is scalable, tax-secure, and profit-driven.”

“Financial Architecture is Necessary for Growth in the U.S.”

When asked about the solutions offered for businesses selling through global marketplaces in the U.S., Deretam shared the following information: “In a market like the U.S., accounting and tax are not simply operational requirements they are strategic leverage. We deliver end-to-end structuring. From formation to IRS processes, EIN/ITIN support, and scalable financial setup. We provide proactive tax strategy across multi-state compliance, sales tax, international tax positioning, and IRS communications when needed. We offer platform-based accounting systems that clearly distinguish fees, refunds, logistics costs, ad spend, and currency issues. Additionally, we support clearer positioning through financial structuring and business readiness. We believe growth in the U.S. requires more than ‘compliance.’ It requires financial architecture.”

The Biggest Common Challenges E-Commerce Companies Face in the U.S.

TAM Accounting International Business Development Director Yonca Sal spoke about the biggest tax and accounting challenges e-commerce companies face in the U.S., saying: “The biggest challenge is the mismatch between the speed of digital commerce and the complexity of tax and accounting rules.” Sal listed the most common issues as:

  • Multi-state rules and sales tax complexity: Nexus can be triggered without realizing it through sales volume, fulfillment centers, warehousing, or 3PL operations leading to unexpected registration and filing obligations.
  • Poor platform accounting design: Without proper separation of fees, refunds, shipping, advertising, and currency impacts, companies can’t see real profitability and make unhealthy growth decisions.
  • Cross-border tax risks: When production, management, and sales span different countries, income positioning and double-taxation risk require specialized planning.
  • Cash flow pressure despite growth: High revenue does not guarantee liquidity especially with inventory financing and marketing spend.
  • Reactive behavior: Many companies address problems after they appear, but the U.S. system rewards proactive planning and penalizes late compliance.

For e-commerce brands, the real challenge is not selling it is managing the financial responsibilities that come with scaling.

The Impact of AI: “The Final Decision Depends on Experience and Professional Judgment”

When asked, “How is AI transforming your industry?” Yonca Sal answered: “AI is not only accelerating accounting—it is redefining the role of accountants. Routine tasks are increasingly automated, which elevates the value of human expertise in strategy, interpretation, and decision-making. AI supports faster data processing, lower error rates, and more consistent reporting. More importantly, it enables forecasting trend detection, scenario modeling, cash flow projections, and regulatory monitoring. However, in complex areas like international tax, multi-state exposure, and cross-border structuring, the final judgment still depends on experience and professional reasoning. At TAM Accounting, we view AI as a lever that improves advisory quality not as a replacement for expert guidance.”

“We Want to Build Long-Term Relationships Based on Trust”

Talking about TAM Accounting’s long-term goals, Yonca Sal said: “Our long-term goal is to be the trusted financial architect for companies scaling globally through the U.S. We aim to expand our depth and geographic impact in international tax and e-commerce financial systems. We also aim to become the first-choice partner for cross-border e-commerce brands, multi-state operators, and investment-ready C-Corps. We are investing in technology and AI to deliver faster insights. Above all, we want relationships built on long-term trust, not one-time transactions.”

“Dubai is the Most Natural Bridge to the U.S.”

“MENA and Dubai are a strategic priority in our long-term vision,” said Sal, adding: “We see Dubai not only as a growing market, but as a global hub where entrepreneurs, family businesses, e-commerce brands, and investors connect to international expansion opportunities. For many MENA-based companies, Dubai is the most natural bridge to the U.S. Our goal is to be that bridge—becoming a trusted, long-term financial partner for MENA-based brands expanding into the U.S.”

Manay CPA: End-to-End Financial Infrastructure for Establishing and Scaling a Business in the U.S.

Manay CPA

Manay CPA operates as a licensed Certified Public Accounting (CPA) firm in the United States, working with entrepreneurs and companies from all over the world that aim to enter the U.S. market. It provides services to individuals and companies conducting commercial activities across all 50 states of the U.S. Its scope of services includes company formation and structuring in the U.S., accounting and financial reporting, tax filings and tax planning, human resources/payroll processes, and financial audit services. Burcu Bree Manay, Co-Founder and CEO of Manay CPA, was a guest on WORLDEF E-COMMERCE.

Burcu Bree Manay stated, “Anyone who aims to establish a business, scale it, and grow sustainably in the United States is a natural part of our ecosystem. We offer end-to-end, tailor-made solutions shaped according to needs within this ecosystem,” and added,

“The most important factor that differentiates us is that we are not a structure that merely completes the incorporation process. During the incorporation stage, we do not focus only on documentation and registration processes. We also take into account our clients’ goals such as raising investment, growth plans, and establishing operations in different states, as well as the tax and compliance requirements they may face in the future. We provide guidance at critical strategic decision points such as selecting the company type, determining the right state, and structuring the partnership model.”

Information Pollution, Misguidance, and Failure to Structure the Right Company Setup!

Addressing the challenges experienced in accounting services in the United States, Manay CPA CEO Manay stated the following: “One of the biggest challenges is information pollution and misguidance. When individuals and companies newly entering the U.S. market do not work with the right experts, the process can become much more difficult and risky than it needs to be. Another critical issue is the failure to structure the correct company setup from the very beginning. When the company type, state selection, and partnership structure are not planned correctly, tax liabilities that should never have arisen can emerge.

In the U.S. tax system, the role of the IRS and the accuracy of filings are extremely decisive; even a seemingly small mistake can grow over time and affect commercial operations, cash flow, and the company’s administrative processes. As Manay CPA, our approach is clear; while our clients focus on their own businesses, we make doing business in the United States more predictable, sustainable, and easier for them by managing the processes in the background.”

Offering some advice to companies, Manay CPA CEO Burcu Manay said, “Doing business in the U.S. should not be viewed as limited to incorporation. What determines success is establishing the right structure and a sustainable compliance infrastructure from day one. Secondly, accounting and tax processes should not be postponed with a ‘we’ll fix it later’ approach. In the U.S., submitting filings on time and accurately directly affects a company’s good standing, financial visibility, and growth capacity in terms of IRS and state regulations. Finally, working with the right business partner makes a significant difference.”

“We Position MENA as an Important Bridge for Entering the U.S.”

Manay CPA CEO Burcu Bree Manay shared the following information regarding their goals in the MENA region: “The MENA region is a high-potential market with strategic priority for Manay CPA. The rapid growth of the region’s entrepreneurial ecosystem, the increase in cross-border trade, and the intensification of global investment mobility make the need to do business with the United States more visible every day. For this reason, we position MENA not only as a market, but as an important bridge for businesses that want to expand into the U.S. Today, we have a broad client portfolio in MENA, ranging from startups to e-commerce brands and expats in need of individual advisory services.”

Speaking about trend strategies in the sector, Manay CPA CEO stated, “The most prominent trend is the transformation of accounting and tax from ‘backward-looking reporting’ into a decision-making infrastructure that drives growth. Companies no longer expect this only once a year during the filing period; they now seek real-time visibility, predictability, and proactive tax planning throughout the year. The second trend is that, together with globalizing business models, the focus on ‘correct structuring + compliance’ has become an integral part of growth.

Especially in e-commerce and startups, when issues such as company type, state selection, partnership structure, sales tax, and payroll are not structured correctly from the outset, they can create serious costs and risks at the scaling stage. As Manay CPA, we support this transformation through a cloud-based, paperless working model, standardized process management, and an end-to-end service approach with expert teams.”

The Future of Manay CPA: A Leaner, Smarter, and More Human-Centered Structure

“As Manay CPA, we are building the future of our services on a leaner, smarter, and more human-centered structure. Our 2026 focus is very clear: while reducing operational complexity, to standardize quality by using technology more effectively and to deliver a consistent experience to the client at every touchpoint,” said Manay CPA CEO, pointing to three main pillars in this direction:

  • Simplified and measurable processes: We eliminate unnecessary steps and strengthen standards. Our goal is to establish an operational structure that does not leave quality to chance, has high cross-team applicability, and delivers measurable performance.
  • Digital-first & automation: We reduce manual workload by managing repetitive tasks through intelligent automation. In this way, our team can focus more on strategic work that creates real value for clients.
  • Consistent customer experience and trust: For us, the issue is not only service delivery, but building trust. Therefore, we further strengthen proactive communication, transparency, and a culture of ownership. Anticipating issues before they grow, sharing the process openly, and taking responsibility for the outcome form the basis of our approach.

“Artificial Intelligence Is Not a Showcase Technology, but an Operational Lever”

Stating that they position artificial intelligence not as a showcase technology but as an operational lever that enhances service quality and speed, Manay said, “Our strategy is clear: automate repetitive tasks, detect risks early, and allocate our experts’ time to high-value advisory work. We advance this approach across three layers: efficiency and automation, quality and compliance, and customer experience. Our top priority is security and privacy; data security, access authorizations, and process control are our fundamental standards.”

What Awaits E-Commerce Companies That Want to Enter the U.S.?

Finally, Burcu Bree Manay, Co-Founder and CEO of Manay CPA, offered some advice to e-commerce companies: “For e-commerce companies, the most critical step is to start with the right foundation. Making decisions based on the real needs of the business rather than gravitating toward popular states yields much healthier results. The second key issue is compliance processes. Because e-commerce businesses grow rapidly, accounting order, sales tax obligations, employee/payroll processes, and tax filing calendars can easily be overlooked; especially in newly established companies, delaying or failing to submit filings with the thought of ‘we are still small’ is a common mistake, yet in the U.S. system such deficiencies directly lead to penalties and interest.

In addition, they can critically affect the company’s commercial status, good standing, and banking/payment infrastructures. Another trend that has recently become more prominent in this area is physical office/business address requirements; stricter address verifications and expectations of real presence may come into play. E-commerce companies need to structure address/presence requirements, registration order, and compliance processes correctly from start to finish. The right structure, the right state, and disciplined compliance form the strongest trio for sustainable growth in the United States.”