Hire in-house
You get control and availability. You also get a salary, benefits, payroll taxes, software seats, recruitment fees and the risk that they leave in eighteen months and take the process with them.
Nearshore accounting · United States & Canada
A finance team that works your hours, not the other side of the world.
Offshore outsourcing traded cost for control. Nearshore does not make you choose. Our accountants sit four hours from New York, work the full US business day, and become a named extension of your team.
No hourly billing · Fixed monthly fee · Named team, not a ticket queue
Working day, right now
Live
New York
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Toronto
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Port of Spain, your team
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Manila, for comparison
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Mumbai, for comparison
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Trinidad & Tobago runs on AST (UTC-4) year-round, with no daylight-saving drift.
0%
Typical saving vs. a comparable US in-house hire
0
Flight time from Miami, so you can visit the team in a day
0
Hours of time-zone lag with US Eastern business hours
Day 0
Target delivery of management accounts after close
The problem
You have been given three bad options
Every growing company hits the same wall on finance staffing. Here is how the usual choices break down, and where nearshore sits.
Offshore to a far time zone
The rate looks excellent. Then a question that should take five minutes takes a day and a half, work comes back needing rework, and you find yourself managing the manager.
Stretch the founder
The books get done at 11pm on Sundays by the person whose time is worth the most. It works, right up until it very visibly does not.
The fourth option
Nearshore, from Trinidad and Tobago
An English-speaking, Commonwealth-trained accounting profession, four hours from Miami, operating on the same clock as your New York and Toronto offices, at a cost structure that makes a full finance function affordable well before you could justify hiring one.
- Same-day answers, not next-day handoffs
- US GAAP and Canadian ASPE reporting experience
- No language, accent or cultural translation layer
- Significant cost savings compared to in-house hires
- Named team members you meet and keep
Engagement models
Take the layer you need, add the next one when you grow into it
Every engagement is scoped on real drivers: transaction volume, number of accounts, entities and complexity. The fee is fixed monthly, so your finance cost stops being a variable.
Foundational
The foundation. Your transactions are categorised correctly, every account is reconciled, and the books close on a fixed calendar instead of whenever someone gets to them.
Best for: owner-operated businesses and companies whose books have quietly fallen behind.
What is included
- Monthly transaction categorisation
- Bank, credit card and loan reconciliations
- Accounts payable entry and bill scheduling
- Month-end close and monthly reporting package
- Year-end file prepared for your CPA or auditor
- 1 dedicated team member
- Unlimited email support
Starting from US$500/month. Final fee depends on volume and complexity.
Builder
Bookkeeping plus the review layer. Someone senior reviews the close, explains the variances, and stays in regular contact, so problems surface in your management pack, not in your audit.
Best for: companies with revenues between US$500k and US$2M that require professional financial oversight, accurate reporting, and ongoing controllership services.
Adds on top of Foundational
- Bi-weekly transaction categorisation
- Senior review of every close before it is issued
- Monthly variance analysis and commentary
- 1 dedicated Controller
- Accrual-basis conversion and revenue recognition
- Scheduled monthly check-ins
- WhatsApp support
Starting from US$900/month. Final fee depends on volume and complexity.
Pillar
Strategic finance without a strategic-finance salary. Forecasting, cash flow, risk and cost decisions from someone who has run them before.
Best for: founders, and companies past roughly US$2M in revenue, that need strategic financial leadership to support their next stage of growth.
What you get
- Weekly transaction categorisation
- Cash flow management and 13-week forecasting
- Annual budget, reforecasts and KPI reporting
- Full AP & AR management
- Risk management and cost optimisation
- Scheduled monthly CFO advisory meetings
Starting from US$2,000/month. Final fee depends on volume and complexity.
Specialty functions
Regulated and high-scrutiny accounting where getting it wrong is expensive. We run these as standing monthly disciplines with documented working papers.
Best for: law firms, community associations, property managers and fund administrators.
Trust & client account reconciliation
Monthly three-way reconciliation of client trust accounts against the bank and the matter ledgers, with the working papers your regulator expects to see.
HOA reserves & board packs
Assessment billing, owner ledgers, reserve schedules and a consistent board reporting pack delivered the same week every month.
Dentist & medical practice accounting
Practice-management and billing systems reconciled to the ledger each month, with production, collections and provider-level profitability reported clearly.
White-label for accounting firms
Capacity that carries your brand. We work inside your systems, to your templates and your review standards. Your clients never see us, they just see work delivered on time.
Best for: CPA and bookkeeping firms with more demand than headcount, and firms tired of busy-season burnout.
How the partnership works
- We operate in your file structure and naming conventions
- Your templates, your review checklist, your sign-off
- Dedicated staff assigned to your firm, not shared pools
- Contractual confidentiality and non-solicitation
- Scales up for busy season and back down after
- Flat monthly capacity fee, invoiced to the firm
Quoted on the scope of works, based on the capacity and the mix of work your firm needs covered.
Prices shown are indicative starting points. Every quote is built from your actual transaction volume, number of accounts, entity structure and specialty requirements.
Side by side
How nearshore compares
The honest version. There are situations where each of these is the right answer. Here is where each one actually wins.
| Murad, nearshore | US in-house hire | Far-shore offshore | |
|---|---|---|---|
| Overlap with US Eastern hours | Full business day | Full business day | 2 to 3 hours, at the edges |
| Relative monthly cost | Low | Highest | Lowest |
| English as a first language | Yes | Yes | Varies |
| Time to replace a departure | Days, and our problem rather than yours | 2 to 4 months of recruiting | Reassigned, often silently |
| Named, consistent team | Yes | Yes | Frequently rotated |
| Scales up and back down | Yes, by scope | Hiring and layoffs | Yes |
| You can visit the team | 4-hour flight from Miami | Yes | A day of travel each way |
| Employer overhead you carry | None | Payroll tax, benefits, software, space | None |
Who we serve
Deep in a few areas, rather than shallow across all of them
We have built repeatable processes and working papers for the engagements below. If your business is not on this list, ask. We will tell you honestly if it is not our strength.
Law firms
Trust and IOLTA account discipline, matter-level ledgers, and three-way reconciliations documented to a standard that survives a bar association review.
HOAs & property managers
Assessment billing, owner ledgers, reserve schedules and board packs, for single associations or a whole managed portfolio.
Dentists
Practice-management software reconciled to the general ledger, production versus collections tracked monthly, and associate and hygienist compensation calculated cleanly.
Medical practices
Insurance receipts matched against billing, payer reconciliation and provider-level profitability, so you know which services and which providers actually pay.
Accounting & CPA firms
White-label capacity under your brand, in your systems, with contractual confidentiality and non-solicitation.
Professional services
Agencies, consultancies and SaaS businesses that need project profitability and recurring-revenue reporting they can actually trust.
Security & controls
Handing over your books is a trust decision. We treat it like one.
These are the controls we operate as standard on every engagement, and we will walk through each of them with you before you share a single credential.
Least-privilege access
We work inside your systems with the narrowest role that does the job, never a shared administrator login, never credentials sent over email.
Multi-factor everywhere
MFA is mandatory on every application, every account and every device that touches client data. No exceptions for convenience.
Signed confidentiality
Firm-level and individual non-disclosure agreements, plus non-solicitation terms for our white-label partners.
Segregation of duties
The person who enters a payment is never the person who approves it. Your approval authority stays with you, always.
Documented, repeatable close
Every engagement runs from a written close checklist. If someone is out, the work still happens the same way.
Clean exit, on request
If you leave, you leave with everything: reconciled books, working papers and documentation. No hostage-taking, no transition fee.
Onboarding
Producing within two close cycles
There is no six-month implementation here. Most nearshore engagements issue their first full management pack by the end of the first month, then use the second cycle to prove the process holds.
Where the books need it, we run a one-time cleanup in parallel so that your first close starts from a reconciled position rather than an inherited mess.
Day 1 to 2
Discovery and scoping
We review your systems, volumes and pain points, then issue a fixed monthly quote and, if needed, a separate one-time cleanup quote.
Week 1
Access, security and kickoff
Engagement letter signed, least-privilege access provisioned, MFA configured, and you meet the named people who will be doing the work.
Week 2 to 3
Documentation and cleanup
We build your close checklist, agree the chart of accounts, and work any backlog back to a reconciled starting point.
Week 4, first close
First close delivered
Your first management pack lands on the agreed date, with a walkthrough call to confirm the format tells you what you actually need to know.
Week 5 to 8, second close
Test, refine and stabilise
The second cycle is where the process is properly tested. We resolve the teething issues the first close surfaced, tighten the checklist and confirm the reporting pack is right, so the engagement reaches a steady, efficient state rather than merely a working one.
Week 9 onward
Steady state
A fixed close calendar, a named contact during your business hours, and a quarterly review of whether the scope still fits the business.
Questions
What US and Canadian clients ask first
Our team is in Trinidad and Tobago, which runs on Atlantic Standard Time (UTC−4) all year with no daylight-saving changes. That means we match US Eastern time exactly from March to November, and run one hour ahead from November to March. Either way you get a full working-day overlap: questions asked in your morning are answered in your morning.
Yes. We prepare US GAAP-basis management accounts for American clients and ASPE-basis reporting for Canadian clients, and we work to whatever basis your CPA or auditor requires. We are not a tax filing firm in either country. We prepare the books and the year-end file, and we work alongside your CPA rather than replacing them.
No, and we are deliberate about saying so. We are not a licensed CPA firm, we do not sign audit opinions, and we do not file US or Canadian tax returns. What we do is run the finance function underneath all of that: the books, the reconciliations, the controls and the reporting. For filings, attestation and tax positions we work alongside your existing CPA, or introduce you to one of the firms we partner with. Most clients find the split works in their favour, because their CPA spends billable time on advice instead of cleaning up records first.
We do not bill hourly. Your fee is built from real drivers: monthly transaction volume, number of bank and card accounts, number of legal entities, whether you are multi-state, accrual versus cash basis, payroll, and any specialty work such as trust or fund reporting. You get one fixed monthly number, and a discount is available on a twelve-month term.
It is extremely common, and it is quoted separately as a one-time cleanup priced per backlog month. We would rather bring the history to a reconciled position up front than build a year of monthly reporting on top of numbers nobody trusts.
You are assigned named team members and you meet them during onboarding. This is not a shared ticket queue. If someone moves on, replacing and retraining them is our responsibility and our cost, and your close calendar does not move.
The books live in your systems under your ownership throughout, because we work inside your subscriptions, not ours. On exit you receive reconciled books, all working papers and the documented close checklist, and our access is revoked. There is no transition fee.
Free resources
Work out the numbers before you call us
Two tools built for exactly this decision. Use them first, then bring us the output.
For US & Canadian companies
In-House vs Outsourced Calculator
The true annual cost of a finance hire once benefits, payroll taxes, software and recruiting are counted, set against our fee.
Run the numbers For both marketsCompliance Scorecard
Twelve questions on your books, filings, controls and reporting. A score out of 100 and the three things worth fixing first.
Score my business For both marketsBlog
Practical notes on nearshore hiring, month-end close and the finance questions that come up again and again.
Read the blogReady to grow?
Book a 30-minute call. We will scope the work, quote a fixed monthly fee, and tell you plainly if we are not the right fit.