Bookkeeper, controller, analyst and CFO — the whole function, run by one team, for less than the cost of a single US finance hire. US-based leadership owns and reviews your account. Qualified teams in Pune execute on your systems. AI does the repetitive work in between.
Finance Team as a Service (FTaaS) is an outsourced finance function delivered by a named, continuous team rather than by a single contractor or a software subscription. One engagement covers all four layers of a finance function — finance operations, controllership, FP&A and CFO — and the team scales up through those layers as the business needs them, without a new vendor, a new system or a new hire.
It differs from the three things it is most often confused with. A bookkeeping service covers only the bottom layer. A fractional CFO covers only the top, and still needs someone underneath to produce the numbers. Accounting software with AI processes transactions but takes no responsibility for the result. FTaaS is the whole column, with a person accountable for it.
CFOLogic delivers FTaaS through a hybridshore model, described in full below: US-based finance leadership, India-based delivery teams, and AI applied to the repetitive work. Plans start at $199 a month.
A finance function is four jobs, and most businesses buy them from four places at four different times. Here they arrive as one team, and the depth of each one moves with your stage rather than with a contract renewal.
Bookkeeping, bank and card reconciliations, AP, AR and payroll coordination. The transactional base, run to a documented calendar so the month closes on a date you can plan around.
Monthly P&L, balance sheet and cash flow statement, prepared to a documented standard with reconciliations behind every number. The reports a lender, an investor or an acquirer will accept.
Budgets, rolling forecasts, budget against actuals with written variance narratives, and dashboards you read without a walkthrough. Enters the engagement when you start managing to a plan.
Scenario modelling for the hire, the price rise and the raise. Fundraising and lender support, board and investor reporting. Available by the hour rather than on a second retainer.
A three-person in-house finance team costs roughly $301,000 a year in base salary alone, before employer taxes, benefits, software, recruitment or management time. These are US median annual wages published by the Bureau of Labor Statistics for May 2025.
| Role | US median annual wage | What they cover |
|---|---|---|
| Bookkeeping, accounting and auditing clerk | $50,670 | Transaction entry, reconciliations, AP and AR processing. |
| Accountant or auditor | $83,680 | Month-end close, financial statements, review of the transactional work. |
| Financial manager | $166,570 | Forecasting, planning, reporting to owners, lenders and investors. |
| Three-person team, base pay only | $300,920 | Add roughly 25–35% again for employer taxes and benefits, plus software, recruitment and the management time to run them. |
Source: US Bureau of Labor Statistics, Occupational Outlook Handbook, May 2025 median annual wages. Medians, not CFOLogic estimates — your market may be dearer.
A CFOLogic engagement covering the same four layers starts at $199 a month and reaches $1,000 a month before the work is complex enough to be scoped individually. The comparison is not quite like for like in your favour either: you also stop carrying the hiring risk, the notice periods, the handover when someone leaves in March, and the single-person dependency that turns a resignation into a closed-books emergency.
Hybridshore is a delivery model that splits a finance engagement by the kind of work rather than by the client. Judgment, review and accountability sit with US-based finance leadership in your time zone. Execution sits with qualified finance professionals in Pune, India, working on your systems and your close calendar. It is what lets a US-reviewed scope run at least 30 percent below a comparable US-only firm fee without moving the review offshore.
A senior finance lead in your time zone who knows your business, owns the relationship, reviews every close and signs it off. The person you call is not a coordinator passing a message to another continent.
A 40+ person Center of Excellence in Pune. Employees we hire, train, review and retain — not contractors and not a ticket queue — with 10+ hours of structured upskilling a month and real career paths, so the person on your account stays on it.
AI handles the repetitive end: transaction categorisation, reconciliation preparation, anomaly and duplicate detection, first-draft variance narratives. It raises throughput without raising the fee, and nothing it produces reaches you unreviewed.
AI drafts; a qualified person decides. Every number that leaves us has been reviewed by someone who is accountable for it, because software does not carry responsibility when a figure is wrong.
Offshore delivery has a reputation, and it was earned. The distinction worth drawing is between renting seats from a staffing vendor — rotating junior people you end up managing — and an employed team under a single standard with a US reviewer accountable for the output. Our security posture is the one your own clients’ diligence asks about: infrastructure certified to SOC 1, SOC 2 and ISO/IEC 27001, AES-256 encryption, MFA everywhere and quarterly access reviews. The detail is in our Trust Center.
Every growing business solves the finance function one of four ways. This compares what each includes, not what any one provider charges.
| Finance Team as a Service | Bookkeeping service or software | Fractional CFO alone | Hiring in-house | |
|---|---|---|---|---|
| Covers the transactional base | Yes | Yes | No — needs someone underneath | Yes, once hired |
| Produces reviewed monthly statements | Yes | Varies; often software-only at entry | Reviews them, rarely produces them | Yes |
| FP&A and forecasting | Yes, from the Growing tier | No | Yes | At financial-manager level |
| CFO-level judgment available | Yes, by the hour | No | Yes | Only if you hire one |
| Scales without rehiring | Yes | Within the tier | No | No — each step is a hire |
| Cost of entry | From $199 a month | From roughly $99–400 a month | Commonly $1,750–$5,250 a month | $50,670+ a year for one clerk |
| Continuity when someone leaves | Team-based, with documented SOPs | Varies | Single-person dependency | Single-person dependency |
Most finance relationships break at the moment they are needed most, because the provider that suited you at $500K cannot carry you through a raise. The point of a team model is that the stage changes and the team does not.
Clean books and a standard chart of accounts from day one, so nothing has to be rebuilt later.
Statements and reporting an investor or a lender will accept, with the diligence questions answered before they are asked.
Multi-state payroll, spend management, custom and investor reporting, and FP&A that drives the plan rather than describing it.
Data-room discipline, quality-of-earnings support and covenant monitoring, run by the team that has kept the records all along.
Finance Team as a Service is an outsourced finance function delivered by a named, continuous team rather than by one contractor or a software subscription. A single engagement covers finance operations, controllership, FP&A and fractional CFO work, and deepens through those layers as the business grows without adding a vendor or making a hire.
A bookkeeper covers the transactional base and stops there. A fractional CFO covers strategy but still needs someone to produce the numbers they advise on, which is why fractional CFO engagements so often arrive alongside a second bookkeeping bill. Finance Team as a Service is the whole column under one engagement, with the depth at each layer matched to your stage.
US median annual wages published by the Bureau of Labor Statistics for May 2025 are $50,670 for a bookkeeping clerk, $83,680 for an accountant and $166,570 for a financial manager: about $301,000 a year in base pay for a three-person team, before employer taxes, benefits, software and recruitment. CFOLogic engagements covering the same four layers start at $199 a month.
Hybridshore splits the work by kind rather than by client. Judgment, review and accountability stay with US-based finance leadership in your time zone; execution sits with qualified finance professionals in Pune, India, on your systems and your close calendar. Offshoring typically moves the whole engagement, including the review. Hybridshore never moves the review, which is what keeps the quality up while the fee comes down.
A US-based senior finance lead owns your account, reviews every close and signs it off. Execution is handled by our 40+ person Center of Excellence in Pune. They are employees we hire, train, review and retain, not contractors, with a doer, reviewer and QA structure on every engagement.
AI handles the repetitive end: transaction categorisation, reconciliation preparation, anomaly and duplicate detection, and first drafts of variance narratives. It raises throughput without raising the fee. It does not decide anything. Every figure that reaches you has been reviewed by a qualified person who is accountable for it.
Our infrastructure is certified to SOC 1, SOC 2 and ISO/IEC 27001, with AES-256 encryption, MFA everywhere and quarterly access reviews. The team works inside your systems under named, auditable access rather than taking copies of your data. The full detail is in our Trust Center.
Yours. We work in QuickBooks Online, Xero, NetSuite, Bill.com, Ramp and Gusto among others, rather than asking you to migrate to a platform of ours. On our entry-level Seed plans the ledger software is included in the fee.
Onboarding runs to a checklist — access, close calendar, first cycle shadowed, second cycle owned — and is measured in weeks rather than months. If your books need catching up first, that is scoped and priced separately before anything begins.
Audits, reviews and compilations of financial statements, and anything requiring a licence to practise public accountancy. Legal advice and investment advice. Tax filings are priced separately so you only pay for what you file, and third-party software subscriptions on the standard plans stay on your own account.
Thirty minutes on your books, your volumes and your stage. We will tell you which layers you actually need, what it would cost, and whether the smaller engagement is the right answer — including when it is not us.