Top Outsourced CFO Agencies in the USA in 2025

Best Fractional & Part-time CFO Services in the United States

As businesses grow more dynamic and data-driven, the demand for high-caliber financial leadership has expanded beyond traditional, full-time models. From early-stage startups to mid-market firms and even private equity-backed ventures, more organizations are opting for fractional and outsourced CFO services—strategic financial guidance delivered on demand.

Whether it's raising capital, building a financial model, navigating market volatility, or scaling operations, a fractional Chief Financial Officer (CFO) can serve as an invaluable asset. These professionals offer deep strategic insight, financial governance, and operational expertise—without the cost or commitment of a full-time executive.

At Digital Reference, we’re committed to creating a more efficient, transparent, and human-centered talent ecosystem. Our platform is designed to showcase the value of trusted experts and help businesses make smarter, more informed hiring decisions. In this spirit, we present our curated list of the Top Outsourced CFO Agencies in the USA.

Our Methodology - USA Fractional CFO Services

To identify the top-performing CFO service providers, we assessed:

• Regional presence and U.S.-based leadership
• Proven experience offering fractional or part-time CFO services
• Strength in core competencies like financial strategy, forecasting, M&A advisory, and investor relations
• Ability to serve a variety of industries and growth stages
• Emphasis on operational transparency, technology enablement, and scalable processes

The following firms were selected for their strategic impact, client credibility, and modern approach to outsourced finance leadership.

Astero Group

What they do:
Astero Group is a fractional CFO firm helping 7- and 8-figure businesses achieve profitable growth and financial clarity. The firm works directly with founders to master cash flow, optimize margins, and build growth strategies that actually drive results.

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Who they work with:
Founder-led businesses, early-stage and growth-stage companies, and established brands seeking a hands-on financial partner without the cost of a full-time CFO.

Operating Model:
Astero Group operates on a fixed monthly pricing model, providing strategic financial guidance and execution support without billing surprises. Services include cash flow forecasting, margin optimization, and growth planning, with case studies showing measurable client impact.

💡 Why Astero Group stands out:

Led by Jim Miller, a Digital Reference Leading Fractional CFO in Los Angeles and Founder to Watch, brings 20+ years of experience helping startups and billion-dollar brands scale profitably.

• Combines strategic financial leadership with hands-on execution—not just reporting.
• Transparent, predictable pricing for founders who value clarity.
• Industry-spanning expertise that allows for tailored solutions across multiple sectors.

Michigan CFO Associates

Website: https://www.michigancfo.com

Based in Metro Detroit, Michigan CFO Associates specializes in providing part-time and project-based CFO services to small and mid-sized businesses across the Midwest and beyond. With a focus on making financial clarity accessible, their team blends operational insight with strategic leadership—helping companies navigate everything from cash flow challenges to growth strategy.

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Michigan CFO Associates offers clarity without complexity—making them a standout choice for businesses looking to level up their financial leadership without taking on a full-time hire.

Why they stand out:

• 💡 Emphasis on ownership-focused finance education—empowering founders with insight
• 📈 Proven track record of helping businesses double cash flow and improve margin management
• 🛠 Custom financial dashboards and decision-making tools that simplify reporting and drive clarity

At the helm is Todd Rammler, CMA, MSA, President and Founder. With a background in corporate finance and deep experience with privately held companies, Todd is known for translating complex financials into actionable roadmaps. His team delivers services ranging from forecasting and budgeting to KPI development and owner education—all tailored to companies that are scaling but not yet ready for a full-time CFO.

Michigan CFO Associates offers clarity without complexity—making them a standout choice for businesses looking to level up their financial leadership without taking on a full-time hire.

Lucrum

Website: https://lucrumconsulting.com/fractional-cfo/

Based in Charlotte, NC, Lucrum Consulting specializes in providing fractional CFO and controller services to growth-oriented small and mid-sized businesses.

Why They Stand Out:

• Deep focus on cash flow forecasting, strategic planning, and operational finance
• Emphasizes data visibility and financial reporting clarity
• Brings a hands-on, team-integrated approach

Lucrum is known for making financial insights accessible and actionable, especially for business owners who need better data but don’t want to manage a finance team in-house.

Preferred CFO

Website: https://preferredcfo.com/fractional-cfo-services

With nationwide reach and a deep bench of finance leaders, Preferred CFO is one of the best-known names in outsourced CFO services in the United States.

Why They Stand Out:

• Offers fractional CFO services for startups, scaling companies, and distressed turnarounds
• Strong focus on strategic forecasting, fundraising, and exit planning
• Trusted by private equity firms, VCs, and family-owned businesses

Preferred CFO helps founders and executives make data-backed decisions and accelerate financial maturity—without overbuilding.

FocusCFO

Website: https://www.focuscfo.com/

Headquartered in Ohio with a national footprint, FocusCFO provides on-site and virtual fractional CFO services tailored to small and medium-sized businesses.

Why They Stand Out:

• Focuses exclusively on privately held businesses with revenues of $2M to $50M
• Embedded CFOs work part-time but long-term—building trust and institutional memory
• Services include cash flow optimization, bank relations, and growth strategy

Their model is relationship-centric, and many of their CFOs become long-term strategic partners for founders and business owners.

G-Squared Partners

Website: https://www.gsquaredcfo.com/hire-best-fractional-cfo

Serving clients across the U.S., G-Squared Partners delivers outsourced CFO and accounting services with a strong focus on venture-backed startups and high-growth companies.

Why They Stand Out:

• Expertise in investor reporting, KPI dashboards, and cash runway management
• Strong presence in the technology, SaaS, and healthcare sectors
• Offers CFO support alongside accounting, bookkeeping, and FP&A

G-Squared is a fit for founders who need financial sophistication and speed to support investor relations and operational scaling.

Consero

Website: https://conseroglobal.com/cfos/

Consero Global is a leading player in the finance-as-a-service space, offering both CFO support and a fully managed back-office solution for midsize companies.

Why They Stand Out:

• Combines fractional CFOs with their proprietary SIMPL platform for real-time financial visibility
• Services include financial planning, board reporting, budgeting, and compliance
• Ideal for companies seeking scalable, tech-enabled finance teams

Consero stands out by merging technology, people, and process, enabling CEOs and boards to make informed, forward-looking decisions.

Ascent CFO Solutions

Website: https://ascentcfo.com/our-expertise

Ascento CFO focuses on delivering interim and fractional CFO services with a commitment to elevating financial visibility and operational excellence.

Why They Stand Out:

• Helps companies prepare for capital raises, M&A events, and financial audits
• Offers detailed cash management, strategic modeling, and finance team leadership
• Experienced in private equity and early-stage venture environments

Ascento brings a proactive CFO mindset, ideal for founders who need to level up their financial infrastructure before high-stakes decisions.

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Why US Companies Are Choosing Fractional CFOs

The fractional CFO model is becoming more mainstream—and for good reason:

• Cost Efficiency: Access senior finance talent without a full-time salary
• Flexibility: Scale finance leadership up or down as needs evolve
• Strategic Input: Get board-ready forecasts, investor decks, and long-term roadmaps
• Speed to Value: Bring in experienced CFOs who can make an impact from day one

This is especially true for startups navigating rapid growth, capital events, or international expansion.

When to Hire a Fractional CFO

You might need a fractional CFO if:

• You're preparing for a funding round or acquisition
• Your company has outgrown basic bookkeeping or controller services
• You lack real-time visibility into cash flow, margins, or burn rate
• You’re expanding into new markets, geographies, or product lines
• Your board or investors are asking for deeper financial insights

A fractional CFO fills the strategic gap between tactical accounting and executive financial leadership.

The Digital Reference Perspective

At Digital Reference, we understand the power of fractional leadership. Our platform empowers professionals—CFOs included—to document their impact, capture references, and showcase their work across engagements.

For founders and hiring teams, this means easier access to verified, experienced finance leaders who can support growth with clarity, credibility, and trust.

Our mission is simple: make the talent ecosystem more efficient, authentic, and transparent—one relationship at a time.

Final Thoughts

Financial leadership is no longer just about spreadsheets—it’s about strategy, agility, and the ability to navigate uncertainty with confidence. These top outsourced CFO firms—Lucrum, Preferred CFO, FocusCFO, G-Squared Partners, Consero, and Ascento—demonstrate the value of flexible, high-impact financial expertise.

Whether you're preparing for your first raise, scaling operations, or readying for exit, a fractional CFO could be the smartest hire you make. Digital Reference is here to help - need more insight into the world of Finance Professions? - Check out below:

• What are Finance Professionals?
• Do I need a Finance or Accounting Consultant?
• Deep Dive into Finance Executive Responsibilities
• US-Based Financial Advisors
• City Directories of Fractional CFOS
• Save some money -> Outsourced CFO services in India & Outsourced CFO services in Canada

If there is other content that you think we're missing that would help make Finance more authentic and transparent, let us know at hello@digitalreference.co . Thanks for reading! Keep work human!

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Take a Dive into Our Regional Guides to Fractional & Part-Time CFO Talent

Looking for financial leadership that fits your stage and budget? These city-by-city guides highlight vetted, independent fractional CFOs helping companies grow smarter, operate leaner, and plan with confidence.

Fractional CFOs in Ann Arbor Making Things Happen

Ann Arbor’s deep tech and academic ecosystem is supported by a growing cohort of CFOs who understand innovation, grants, and founder-led finance.

Fractional CFOs in Atlanta Making Things Happen

Atlanta-area fractional CFOs bring sharp financial discipline to fast-growing tech, logistics, and consumer brands across the Southeast.

Fractional CFOs in Austin Making Things Happen

In a city known for startups and scale-ups, these CFOs help Austin companies make smart capital decisions and operationalize growth.

Fractional CFOs in Chicago Making Things Happen

Chicago’s finance-savvy fractional CFOs support companies across manufacturing, logistics, tech, and services with pragmatic financial leadership.

Fractional CFOs in Dallas-Fort Worth Making Things Happen

From fundraising prep to financial operations, these DFW-based CFOs bring high-impact expertise to Texas’s most diverse business hub.

Fractional CFOs in Denver Making Things Happen

Denver’s startups and PE-backed firms are increasingly turning to fractional finance leaders who can help bridge vision and execution.

Fractional CFOs in Detroit Making Things Happen

Detroit’s resurgence is being shaped by finance professionals who know how to manage transformation—from legacy to modern systems.

Fractional CFOs in Houston Making Things Happen

Houston-based fractional CFOs offer clarity and control to companies navigating scale in healthcare, logistics, energy, and services.

Fractional CFOs in Los Angeles Making Things Happen

LA’s creative and tech-driven economy benefits from fractional CFOs who understand cash flow, venture expectations, and brand finance.

Fractional CFOs in Miami Making Things Happen

Miami’s capital influx and startup energy are backed by fractional CFOs helping local companies stay lean, fundable, and focused.

Fractional CFOs in Nashville Making Things Happen

Nashville-based CFOs are powering healthcare, SaaS, and creative businesses with the structure and insight needed for sustainable growth.

Fractional CFOs in New York City Making Things Happen

NYC fractional CFOs bring Wall Street discipline to Main Street startups—from fintech and fashion to media and SaaS.

Fractional CFOs in Phoenix Making Things Happen

Phoenix companies are tapping into a new class of CFOs ready to support capital planning, margin strategy, and finance ops at scale.

Fractional CFOs in San Francisco Making Things Happen

In the heart of venture capital and product-led growth, these SF-based CFOs are helping startups move from story to sustainability.

Fractional CFOs in Tampa Making Things Happen

Tampa’s startup and services economy is supported by CFOs bringing strategic clarity to e-commerce, healthtech, and founder-led orgs.

Fractional CFOs in Washington DC Making Things Happen

DC’s nonprofits, govtech, and professional services firms benefit from fractional CFOs who understand compliance, complexity, and growth.

Careers are long, but life is short. Let’s build a more transparent and efficient financial consulting industry—together. Explore your options. Ask the right questions. And build your team—with transparency and trust.

– The Digital Reference Team

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