Finance & Accounting Companies in United States
Finance & accounting from the US costs $40-80/hr, and buys you CPA-licensed judgment, SOX/SEC compliance readiness, and zero timezone lag.
Finance & Accounting providers in United States
24 providersMedical billing service and software reseller specializing in Lytec 2015 and Dragon Medical Practice Edition for medical offices.
AI-powered BPO and remote staffing solutions offering virtual assistants, AI agents, and full-time outsourcing services for business growth.
View profile →24/7 Medical Billing Services provides end-to-end medical billing, coding, denial management, and RCM for US healthcare practices of all specialties.
360 Bookkeeping LLC is a Tampa-based remote bookkeeping firm offering cleanup, reconciliations, payroll, and financial statements for small businesses.
View profile →904 Bookkeeping is a Jacksonville-based QuickBooks bookkeeping and payroll practice serving small to mid-sized Florida businesses.
View profile →Remote bookkeeping and payroll services for small businesses in Northern Illinois, powered by a Certified QuickBooks Online ProAdvisor.
View profile →Cognizant is a large-scale IT outsourcing and business process services firm serving enterprise clients across healthcare, financial services, and manufacturing.
AI-driven business transformation company delivering measurable outcomes through end-to-end digital engineering and intelligent operations.
View profile →Rely Services is a trusted BPO company with 25+ years of experience delivering data entry, finance & accounting, and industry-specific back-office solutions to 1,000+ clients worldwide.
Medical billing and revenue cycle management provider serving healthcare practices since 2008, from solo practitioners to large facilities.
Access Healthcare provides end-to-end revenue cycle management and healthcare BPO services, including RCM automation via its Echo platform, for US healthcare providers and payers.
Outsourced bookkeeping, accounting, and payroll services for businesses across multiple industries, delivered by certified accountants.
View profile →Agile CFO Solutions provides fractional CFO, controller, bookkeeping, and payroll services to small businesses, headquartered in Indianapolis, Indiana.
View profile →Alorica is a global customer experience outsourcing leader combining digital-first technology with human expertise to deliver CX, trust & safety, and financial business services.
View profile →Professional bookkeeping and accounting services for businesses and individuals across the US, headquartered in Denver, Colorado.
View profile →Andy's Bookkeeping Service offers remote bookkeeping, payroll processing, and QuickBooks support for small to midsize businesses, based in Albuquerque, NM.
View profile →Apidel Technologies provides IT and healthcare staffing, RPO, and BPO services across the United States and India with over nine years of operating history.
View profile →Ascendum Solutions is a Cincinnati-based technology and outsourcing firm offering custom software development, back-office processing, and accounting services for U.S. and Australian markets.
View profile →Ataraxis is an offshore staffing agency placing vetted, dedicated staff for U.S. small businesses, healthcare practices, and finance and operations teams.
View profile →Auxis provides nearshore outsourcing and business transformation services from delivery centers in Costa Rica and Colombia, covering finance, IT, and BPO.
View profile →Award-winning inbound and outbound call center outsourcing provider with 8 global locations, 5,500+ employees, and AI-powered CX solutions for businesses of all sizes.
MarketJoy is a US-based B2B lead generation company delivering sales qualified leads and outbound SDR services across manufacturing, fintech, healthcare, and SaaS verticals.
View profile →BELAY Solutions provides U.S.-based virtual assistant and outsourced accounting services, including fractional CFO and controller support, for small to mid-sized businesses.
View profile →US-based BPO provider specialising in data entry, data processing, back-office outsourcing, and finance services across diverse industries.
Showing top 24 of 115 providers. Use the filters above to narrow results.
What does US-based finance and accounting outsourcing actually cost
Onshore F&A delivery in the United States runs $40 to 80 a hour blended, which is roughly triple offshore rates and double nearshore. That range isn't padding, it reflects CPA and controller-level labor costs, state licensing overhead, and the fact that most US providers staff senior reviewers, not just processors.
Within that band, expect the low end ($40-50/hr) for structured bookkeeping, AP/AR processing, and reconciliations done by staff accountants. The high end ($65-80/hr) shows up for controller-level review, technical accounting memos, SEC reporting support, or anything touching a public company's financial statements. Among the 76 providers I looked at, 18 quote monthly retainers rather than hourly rates, which tells you this market sells managed outcomes more than raw hours.
I'd treat a quoted hourly rate as the start of the conversation, not the end. Ask what's included: month-end close, financial statement prep, tax filings, audit support. A $45/hr rate that excludes review cycles can end up costlier than a $65/hr rate that includes them.
Why choose US delivery over offshore or nearshore for finance and accounting
US delivery earns its premium when the work requires a CPA license, touches SEC or Federal Reserve regulatory boundaries, or demands same-day judgment calls a client can't wait 12 hours for. If the work is high-volume, well-documented data entry or reconciliation, offshore or nearshore usually delivers the same result for less.
The honest case for onshore isn't speed of typing, it's reduced rework risk on judgment-heavy tasks. State CPA licensure matters for signing off financial statements, and multi-state tax compliance (nexus rules, apportionment, state-specific filing deadlines) is genuinely easier to get right with staff who've filed in those states before. A team in Manila can process a general ledger entry as accurately as a team in Houston. It's the technical accounting judgment, revenue recognition calls under ASC 606, or handling a SEC comment letter where onshore experience actually changes the outcome.
Timezone overlap is real but overstated as a differentiator versus nearshore. Mexico and Costa Rica-based teams already give US buyers same-business-day coverage at $10-22/hr. What onshore uniquely buys is US licensure, US data residency (relevant for regulated financial data under state privacy laws), and a controller who can join a live call with your auditors without translation friction.
Onshore vs nearshore vs offshore for F&A: a honest comparison
Here's how the three delivery models actually compare on the dimensions that matter for finance and accounting work, not the generic pitch every vendor gives.
| Dimension | Onshore US ($40-80/hr) | Nearshore ($10-22/hr) | Offshore ($6-16/hr) |
|---|---|---|---|
| CPA/state licensure | Native, direct sign-off possible | Rare, usually reviewed by US partner firm | Rare, always requires US reviewer |
| Best fit work | SEC reporting, technical memos, controller review | Bilingual AR/AP, same-day close support | High-volume bookkeeping, data entry, reconciliations |
| Timezone overlap | Full | Full to near-full | Partial, 3-6 hour gap typical |
| Regulatory comfort (SOX, SEC) | Highest | Moderate, needs onshore oversight layer | Lowest without an US compliance wrapper |
| Rework risk on judgment calls | Lowest | Low to moderate | Moderate to high without strong QA |
| Typical pricing model here | Monthly retainer, per-seat | Per-hour, per-seat | Per-transaction, per-hour |
Which US delivery hubs actually have finance and accounting talent
New York, Houston, San Diego, Los Angeles, and Miami are the clearest concentration points among currently active US-delivering F&A providers, and each hub tends to specialize by adjacent industry. New York shows the deepest bench, unsurprising given its financial services and public company density.
Houston's F&A providers skew toward energy and industrial accounting, useful if your business has oil and gas royalty accounting, joint venture accounting, or complex fixed-asset schedules typical of that sector. Miami providers often carry Latin America-facing bilingual capacity even while delivering onshore, useful for US companies with LatAm subsidiaries needing consolidated reporting in English and Spanish without an offshore handoff.
Los Angeles and San Diego providers I've reviewed lean toward mid-market services, media, and healthcare-adjacent finance work, the latter explaining why HIPAA certification shows up more often in West Coast-headquartered F&A shops. Don't assume hub location dictates where the actual work happens, though. A New York-headquartered provider may deliver from a satellite office in a lower-cost state. Ask directly where the accountants sit, not just where the sales team is based.
What compliance certifications should you actually require
For US-delivered finance and accounting, the certifications that matter most depend entirely on your industry, and most providers in this space are not broadly certified across the board. Among the 76 providers I reviewed, HIPAA appears most often (8), followed by ISO 27001 and ISO 9001 (3 each), then HITRUST and SOC 2 (2 each), with PCI DSS and GDPR each held by just one provider.
That spread tells you something important: broad security certification is not yet standard in this market segment, even at premium onshore rates. If you're a healthcare company, HIPAA is close to non-negotiable, and only a minority of providers carry it, so verify rather than assume. If you handle card payment data alongside accounting workflows, PCI DSS is rare here, meaning you may need to scope that requirement carefully or accept a smaller shortlist.
SOC 2 is the one I'd push hardest on for any provider touching your general ledger or financial reporting pipeline, since it speaks directly to controls over financial data processing, and it's currently held by only 2 of the 76 providers I looked at. Don't take a sales deck's compliance claims at face value. Ask for the actual audit report or certificate, ask when it was last renewed, and ask what scope it covers, since a SOC 2 Type I covering only IT infrastructure is a different animal from a Type II covering financial process controls.
How to evaluate an US-based F&A vendor beyond the rate card
Evaluate an US-based finance and accounting vendor on process fit, management depth, and QA discipline first, because a low hourly rate from an onshore provider with weak review controls can still produce costly rework, just at a higher hourly cost than offshore mistakes.
- Process fit: has this vendor run your exact process before, close cycles for your industry, multi-state tax filings, or revenue recognition under your specific accounting framework, not just "accounting services" broadly
- Management layer: who reviews the work before it reaches you, a controller, a senior accountant, or does junior staff self-review with no second set of eyes
- QA discipline: ask what percentage of journal entries or reconciliations get reviewed monthly, and what the historical error rate looks like, vague answers here are a red flag
- Reporting quality: does the monthly package explain what changed and why, flag risks, and surface anomalies, or is it just a dashboard showing tasks completed
- Licensure verification: if CPA sign-off matters for your use case, confirm which specific staff hold active state licenses, not just that "our team includes CPAs"
- Commercial clarity: get all-in pricing, including whether review cycles, tax filing, and audit support calls are included in the quoted rate or billed separately
- Scalability: ask what happens at month-end close crunch or during an audit, does headcount flex or does quality drop under volume
My honest take on when US delivery is worth the premium
I'd pay the onshore premium when the work is regulatory, judgment-heavy, or brand-sensitive enough that a mistake costs more than the rate difference. SEC reporting, technical accounting positions that could draw auditor scrutiny, and controller-level oversight of a close process are the clearest cases. I would not pay $60/hr for high-volume AP processing that a documented, well-managed nearshore or offshore team handles for a third of the cost.
The mistake I see buyers make most often is picking onshore purely for comfort, not because the work demands it. If your accounting processes are already well-documented and repeatable, a nearshore team in Mexico or Colombia at $10-22/hr with same-timezone overlap is often the better risk-adjusted choice, not offshore, not onshore. Onshore earns its keep specifically where licensure, regulatory exposure, or audit-facing judgment calls are in play.
The retainer-heavy pricing structure I noted among these 76 providers (18 of 76 quote monthly retainers) suggests this market has moved past pure hourly billing toward managed outcomes. That's generally healthier for buyers, since it forces the vendor to scope the work properly upfront rather than nickel-and-diming hours. But get specific about what's in scope before signing. A retainer with vague deliverables is just a hourly rate wearing a disguise.
Frequently asked questions
- How much does finance and accounting outsourcing cost in the United States?
- US-based finance and accounting delivery runs $40 to 80 a hour blended, the highest of the three delivery tiers (onshore, nearshore, offshore). Lower-end work like bookkeeping and reconciliations sits near $40-50/hr, while controller-level review, technical accounting, and SEC-facing work runs $65-80/hr. Many providers now quote monthly retainers instead of hourly rates, so compare total scope, not just the rate.
- Is US-based F&An outsourcing worth the extra cost over offshore?
- It's worth it specifically for regulated, judgment-heavy, or audit-facing work, not for high-volume routine processing. CPA licensure, SEC reporting experience, and same-timezone controller access are the real differentiators onshore delivers; well-documented bookkeeping and reconciliation work can be handled just as accurately offshore for a third of the cost.
- What US cities have the most finance and accounting outsourcing providers?
- New York, Houston, San Diego, Los Angeles, and Miami show the clearest concentration of active US-delivering F&A providers. New York tends to skew toward financial services and public company work, Houston toward energy and industrial accounting, and Miami toward bilingual LatAm-facing finance functions.
- Do US finance and accounting providers carry SOC 2 or HIPAA certification?
- Only a minority currently do, so you need to verify rather than assume. Among providers delivering F&A from within the US, HIPAA is the most common certification but still only appears in about 1 in 10 providers, and SOC 2 is even less common, so confirm certification status and scope directly before shortlisting if your industry requires it.
- What's the difference between onshore and US-managed hybrid F&A delivery?
- Pure onshore means the accountants doing the work sit in the US and typically hold state CPA licensure, while US-managed hybrid means an US entity oversees quality and client relationships but some processing happens offshore or nearshore. Ask directly where the hands-on work happens, since an US headquarters address doesn't guarantee US-based delivery staff.
- Can offshore or nearshore teams handle SEC or regulatory accounting work?
- Generally no, not without an US-licensed reviewer signing off, since SEC filings and technical accounting positions typically require US CPA judgment and accountability. Offshore and nearshore teams can support the underlying data preparation and reconciliation work, but final review and sign-off on regulatory filings usually needs to happen onshore.
- What pricing model is most common for US finance and accounting outsourcing?
- Monthly retainers are the most common model among current US-delivering F&A providers, followed by outcome-based, per-seat, and per-hour arrangements. Retainers suit stable, ongoing scope like monthly close and reporting, while per-hour or per-transaction models fit project work or variable-volume tasks better.
- How do I check if an US F&A provider's CPAs are actually licensed?
- Ask for the specific names and state license numbers of the CPAs who will review or sign off on your work, then verify directly through that state's board of accountancy website. Don't accept a general claim that "our team includes CPAs" without confirming which individuals hold active licenses relevant to your state's requirements.