Need CFO-Level Guidance? Here Are Some Great Options for 2026

Your company crossed $5 million in revenue. Your spreadsheets are a mess. Your cash flow projections are guesswork. Your board keeps asking questions you can’t answer with confidence.

You know you need CFO-level financial leadership. The question is how to get it without the $200,000+ salary that comes with a traditional full-time hire.

Most companies look at fractional CFO services or outsourced CFO firms. They promise strategic guidance at a fraction of the cost. But you’re typically getting 5 to 10 hours per week. That’s enough for check-ins and board decks, but not enough for day-to-day financial leadership, team management, or real-time decision support.

There’s a third option that more companies are discovering: hiring your own full-time CFO in Latin America. You get 40 hours per week of dedicated leadership, for sometimes a similar cost to what you’d pay for 10 hours of fractional CFO support.

This guide compares your options. We’ll show you what fractional and outsourced CFO services deliver, who they serve best, and when hiring your own full-time CFO makes more sense.

We determined this list by reviewing G2 and Clutch profiles, evaluating services offered on company websites, reading client testimonials, reviewing industry recognition, and comparing service models across providers.

Quick Take: How These CFO Solutions Compare

• Near: If you would benefit from a dedicated CFO working 40 hours per week on your business, hiring in Latin America through Near gives you full-time executive leadership at 30–60% below US salaries.
• Pilot: If you’re a VC-backed startup needing CFO services plus bookkeeping and tax in one tech-enabled package, Pilot’s platform approach and investor-ready reporting make it a strong option for pre-seed through Series D companies.
• Eisner Amper: If you’re a PE-backed or pre-IPO company needing fractional CFO services backed by a full-service CPA firm, Eisner Amper’s 4,500-person firm provides depth across audit, tax, and advisory.
• Perkins Accounting: If you’re a Pacific Northwest mid-market company wanting tiered CFO services with options to add controller or data analytics support, Perkins offers flexible service packages integrated with tax and assurance.
• TGG Accounting: If you’re a $5M–$60M company planning an exit and need a full four-person dedicated finance team, TGG’s proprietary methodology and exit planning expertise deliver comprehensive support.

Comparison Table

‍The Best Outsourced CFO Companies and Services

1. Near

Near (Hire With Near) is a full-service staffing and recruitment agency that helps US companies of all sizes hire high-performing remote talent in Latin America. Near places top talent across all departments for any role that can be done remotely and at all seniority levels, from individual contributors up to the C-suite level.

Finance and accounting roles are among our most frequently filled positions. We place CFOs, controllers, financial analysts, staff accountants, bookkeepers, and tax professionals regularly. And we’ve built deep expertise in understanding what separates good finance hires from transformative ones.

We don’t supply fractional consultants. We’re a white-glove recruiting partner for companies that want full-time CFOs but at a cost 30–60% less than hiring in the US.

We handle everything—sourcing, vetting, candidate presentation, payroll, and compliance—so hiring feels simple on your side. Our process is built to surface the people who don’t just fit the role, but make your whole team better.

We take the time to understand your culture, financial complexity, and how your team works together, so every shortlist is tailored to what success looks like in your business.

We’ve helped hundreds of companies build their finance teams in Latin America. Our CFO placements include former financial leaders from companies like Mercado Libre, Rappi, and major US companies. These aren’t junior finance professionals—they’re seasoned executives who can build financial models, manage fundraising processes, and present to boards.

The difference between a fractional CFO and your own full-time CFO is availability. Fractional CFOs are splitting attention across 5-10 companies. If you hire a CFO through Near, they are focused entirely on your business, available for urgent decisions, embedded in your daily operations, and building deep institutional knowledge about your company.

Key features:

• Get full-time availability: Hire a CFO who works 40 hours per week dedicated to your business, not 5-10 hours split across multiple clients
• Proven track record: 97% placement success rate, 9.1+ client satisfaction score, and 4.9 out of 5 rating on G2
• 180-day guarantee: Double the industry standard 90-day replacement guarantee if a placement doesn’t work out
• Time zone alignment: Latin American CFOs work during US business hours—no 12-hour delays or middle-of-night calls
• Transparent pricing: No upfront fees; choose between one-off placement fee or monthly fee with payroll/compliance included
• White-glove recruitment: Dedicated recruiter learns your culture, provides video shortlists, coordinates interviews, handles onboarding
• 80% retention at 2+ years: Our placements become long-term core team members, not short-term contractors

Best for: Companies needing dedicated CFO leadership rather than part-time consulting. Growth-stage startups preparing for Series A+, mid-market companies scaling operations, and businesses where financial decision-making happens daily, not monthly. Strong fit for companies comfortable with remote executives and those seeking both cost efficiency and full-time availability.

Client experience: 

Seema Chacko, CFO of CyberFortress (a global cybersecurity company), hired 20 finance and accounting professionals through Near, including three director-level positions. The company saved $1.2M annually and cut their month-end closing timeline from 15 days to 10 days.

Her hires included a Director of Accounting and Financial Reporting with 15+ years of experience who had previously served as CFO at another company, an Accounting Team Lead with 20+ years of experience and a Master’s in International Business, and a Director of Global Tax with 11 years at Ernst & Young.

“We hired 20 team members who share our core values: great attitude and desire to learn, resourcefulness, and adaptability,” Seema explains. “Near’s team was very responsive, and their easy-going communication fostered a seamless hiring process.”

Most of CyberFortress’s Near hires have been with the company for over two years. Read the full CyberFortress case study.

2. Pilot

Website: pilot.com

Pilot positions itself as the largest startup and small business accounting firm in the US, combining finance expertise with proprietary technology. Founded in 2016 by serial entrepreneurs who raised $150M+ at a $1.2B valuation from Sequoia, Index Ventures, and Bezos Expeditions, they serve notable clients including OpenAI, Lattice, and Airtable.

Their CFO services include financial modeling, budget vs. actuals analysis, KPI dashboards, fundraising support, and investor/board reporting. They combine bookkeeping, tax preparation, and CFO services in one package, which streamlines operations for startups that don’t want to manage multiple vendors.

Pilot’s platform provides burn rate tracking, runway calculations, 13-week cash flow analysis, and industry-specific KPI dashboards. Their US-based teams include dedicated finance professionals, and CFO customers get Slack access for quicker communication.

Key features:

• Tech + human combination: In-house engineering team builds proprietary platform while finance experts review all work
• Startup DNA: Founding team’s third startup with deep understanding of founder journey and investor expectations
• Transparent tiered pricing: $1,750-$5,250+/month for CFO services with clearly defined service levels
• Integrated services: Bookkeeping, CFO, tax, and stock administration bundled for one-vendor simplicity
• Fundraising support: Data rooms, investor reporting, and financial models optimized for VC diligence processes

Best for: Pre-seed through Series D startups needing investor-ready financials and board reporting. VC-backed companies in SaaS, AI, tech, and professional services. Companies with up to $100k monthly expenses that want bookkeeping + CFO + tax in one package. Strong fit for founders who want to offload all financial operations to a single provider.

Client perspective: “Reduced my bookkeeping expenses by half.” — Anonymous Small Business Owner (via G2)

Limitations: CFO services are part-time by design—monthly or bi-weekly calls rather than daily availability. Not a fit for companies needing a CFO to manage finance teams day-to-day or handle real-time strategic decisions. Primarily focused on tech/VC-backed startups rather than traditional businesses.

3. Eisner Amper

Website: eisneramper.com

Eisner Amper is one of the largest full-service accounting and advisory firms in the US, founded in 1963 with approximately 4,500 employees and 450+ partners. They serve everyone from startups to Fortune 500 companies and 200+ public companies, with particular strength in pre-IPO readiness.

Their outsourced CFO services include strategic financial leadership, cash flow management, financial planning and analysis, fundraising preparation, board packages, and transaction support. What differentiates Eisner Amper is the ability to tap into a 4,500-person firm—if your fractional CFO engagement reveals you need audit, tax, or M&A advisory services, you’re already working with a firm that provides all of those.

Their CFOs have deep GAAP expertise and prior experience at companies like Microsoft, PwC, and major financial institutions. They work with VC and PE groups across portfolio companies and have offices in 20+ US cities plus international locations.

Key features:

• Full-service firm integration: Access to audit, tax, advisory, and transaction services within the same firm
• Public company experience: Serves 200+ public companies with IPO readiness and SEC reporting expertise
• Investor network: Established relationships with VC/PE groups across multiple portfolio companies
• Flexible engagement models: Hourly, fixed-fee, and project-based arrangements from one day/week to one day/month
• Geographic reach: 20+ US offices plus international presence for companies with global operations

Best for: Mid-market to enterprise companies, PE-backed portfolio companies, pre-IPO businesses needing audit-ready financials, international companies entering the US market, and family offices. Strong fit when you anticipate needing integrated services beyond just CFO advisory (tax planning, audit preparation, transaction support).

Limitations: No public reviews on G2 or Clutch despite decades in operation, making independent validation difficult. Pricing not disclosed publicly—requires custom quotes. Big-firm structure may move slower than boutique providers. Not optimized for early-stage startups with limited budgets.

4. Perkins Accounting

Website: perkinsaccounting.com

Perkins Accounting (Perkins & Co) has served Pacific Northwest businesses since 1986 from offices in Portland, Oregon and Vancouver, Washington. With recognition as a Forbes Best Tax and Accounting Firm, they position themselves as offering big-firm resources with local-firm warmth.

What makes Perkins distinctive is their four-tier CFO service structure: fractional CFO for strategic oversight, outsourced controller for operational support, CFO consulting for project-based needs, and data analytics for dashboard development. This flexibility lets you scale services up or down as needs change.

They specialize in industries including construction, manufacturing, food and beverage, real estate, and technology. Their fractional CFO service launched formally in August 2023 as an expansion, led by principal Teresa Petrie with 30+ years experience in cost accounting and inventory management.

Key features:

• Four-tier service structure: Fractional CFO, controller, consulting, and data analytics—scale services to your needs
• Cross-service integration: Fractional CFO can coordinate with tax, audit, and transaction services within the same firm
• Industry specialization: Dedicated teams for construction, manufacturing, real estate, technology, and nonprofit sectors
• Pacific Northwest focus: Deep local market knowledge and relationships in Oregon and Washington
• ClearlyRated Award winner: 10-time Best of Accounting Award winner demonstrating consistent client satisfaction

Best for: Mid-market Pacific Northwest companies with $10M-$50M revenue. Businesses in construction, manufacturing, food and beverage, real estate, or professional services. Companies preparing for scale, sale, or capital raise. Strong fit when you want CFO advisory with ability to add controller support or data analytics.

Client perspective: “Perkins & Co has definitely filled the knowledge gap that we had.” — Finance Manager, Software Development Firm (via Clutch)

Limitations: Geographic focus on Pacific Northwest may not fit companies elsewhere. Only one Clutch review limits independent validation. Pricing not publicly listed. Relatively new formal CFO service compared to decades-old audit and tax practices.

5. TGG accounting

Website: tgg-accounting.com

TGG Accounting was founded in 2006 by serial entrepreneur Matt Garrett in San Diego. With employees operating 100% remotely since 2020, they’ve been named to the INC. 5000 five consecutive years. They position themselves as builders of business owners’ lives through excellent financial management.

What makes TGG different is their team-based approach: every client gets a four-person dedicated finance team consisting of CFO, controller, accounting manager, and staff accountant. This structure provides built-in internal controls, fraud prevention, and continuity if any team member is unavailable.

They specialize in exit planning and M&A consulting alongside standard CFO services. Their proprietary methodology (documented in their book ‘The TGG Way’) promotes flexibility, collaboration, and long-term financial clarity. They typically identify 5-7% profitability gains during initial financial assessments.

Important note: TGG is not a CPA firm. They don’t provide tax return preparation, audits, or CPA-reviewed statements. Their focus is operational accounting, financial management, and strategic planning.

Key features:

• Four-person dedicated team: CFO, controller, accounting manager, and staff accountant assigned to every client
• Built-in controls: Team structure provides internal controls and fraud prevention mechanisms
• Exit planning specialty: Certified exit planning and M&A consulting expertise for companies preparing to sell
• 94% client retention: Strong satisfaction indicator showing clients stay long-term
• Remote-first since 2020: Team members across all US time zones providing nationwide coverage
• The TGG Way methodology: Proprietary approach documented in published book for consistency and quality

Best for: Companies with $5M-$60M revenue needing full professional accounting department. Businesses in professional services, wholesale, construction, manufacturing, e-commerce, or SaaS. Companies planning exits or seeking investor funding. Strong fit when you need comprehensive finance support including valuations and benchmarking.

Client perspective: “TGG’s services are far more cost-effective than in-house staff. Their collaborative approach and detailed reports provide clear understanding of financial status.” — Client, Media & Events Company (via Clutch)

Limitations: Not a CPA firm—no tax preparation, audits, or CPA-reviewed statements. Hourly billing model without fixed pricing may be less predictable than competitors. Only one Clutch review limits validation. $5,000 minimum project size excludes smaller engagements. No G2 presence.

Why You Should Consider Hiring Your Own CFO in Latin America

Fractional or outsourced CFO services solve your budget problem, but create an availability problem. You’re paying for strategic thinking without the bandwidth for execution or daily leadership.

Most fractional CFOs work 5-10 hours per week per client. That’s enough for financial reviews and board deck preparation. It’s not enough for managing fundraising processes, building and running finance teams, handling day-to-day cash management decisions, or being available when urgent strategic questions arise.

The traditional alternative—hiring a full-time CFO in the US—solves the availability problem but brings the budget problem right back. A CFO in the US commands $246,000 to $455,000+ annually, which puts them out of reach for most companies.

Latin America offers a different equation: hire your own full-time CFO who works 40 hours per week on your business, at a total cost comparable to or less than fractional CFO services—but with none of the availability constraints.

The Cost Difference: US vs. Latin America

Here’s what full-time CFO salaries actually look like when you compare US-based versus Latin American hiring:

CFO Salary Comparison: US vs. Latin America

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Key points:

• Both work full-time (40 hours per week)
• Same time zone availability (US business hours)
• Comparable experience and qualifications
• Savings range: 30–60% depending on seniority level

The savings aren’t from hiring less qualified professionals. They reflect differences in cost of living.

What you gain with full-time vs. Fractional

Beyond the cost savings, hiring your own full-time CFO fundamentally changes what you can accomplish:

• 4x the availability at similar cost: 40 hours per week instead of 10 hours split across multiple clients
• No divided attention: Your CFO is embedded in your team, not splitting focus across 5-10 other companies
• Deep institutional knowledge: Full-time CFOs build understanding of your business, customers, and competitive landscape that fractional CFOs never develop
• Real-time decision making: Available for urgent decisions as situations develop, not waiting three days for the next scheduled call
• Strategy plus execution: Can both build the financial plan and drive daily implementation—fractional CFOs typically only handle strategy
• Time zone alignment: Latin American professionals work during US business hours with no 12-hour delays (compared to if you use an outsourcing firm that works with accounting talent in the Philippines or India)
• Team management: Can hire and manage accounting staff, coordinate with tax advisers, and build a complete finance function—not just provide advice

When fractional CFO services still make sense

Fractional or outsourced CFO services are the right choice in specific situations:

• 90-day strategy sprints to build financial foundation before hiring permanent leadership
• Interim leadership while searching for full-time CFO hire
• Pre-product-market fit stage where 10 hours monthly is genuinely sufficient
• Companies with strong existing finance teams needing only strategic guidance, not operational support
• Businesses under $3M revenue where full-time CFO is premature

But if you’re at the stage where you need a CFO managing fundraising, building financial models, presenting to boards, making daily cash decisions, and leading a finance function—hiring your own full-time CFO makes more sense than splitting 10 hours per week with a fractional provider.

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Final Thoughts

No comparison article can tell you what’s right for your specific situation. Every company has different needs, different constraints, and different definitions of what CFO-level leadership looks like.

If you’re considering hiring your own full-time CFO in Latin America, a 20-minute call with Near gives you:

• Exact salary benchmarks for CFOs in your industry
• How our 180-day guarantee and screening process work
• Timeline expectations from job description to start date
• Answers to any questions about hiring senior finance executives in LatAm

No sales pitch. No commitment. Just a straightforward conversation about whether this approach fits your needs.

If you’re ready to explore hiring a full-time CFO at fractional CFO costs, schedule a free, no-commitment consultation call today.