Cash Flow Management Services for CPA Firms

Accountably is a staffing and recruiting agency that helps US CPA, EA, and accounting firms hire talent from India across tax, accounting, payroll, and finance. Accountably offers offshore staffing services, placing full-time offshore employees from India who work inside your firm's workflow, on your software and SOPs.

Accountably places cash flow professionals in India across the work behind your clients' cash position, from the weekly 13-week forecast refresh and the AR and AP timing it reads from to working capital analysis, covenant tracking, and lender packs.

If a cash flow role can be performed remotely, Accountably can fill it with A-players from India.

Here are some examples of the roles we can fill:

• 13-week forecasts and working capital analysis: financial analysts, with senior analysts for covenant models and lender packs
• Cash models, runway, and covenant headroom behind your CFO engagements: virtual CFO support staff
• Review of every forecast and pack: finance managers
• The receipts and payments underneath the forecast: AP and AR specialists

Accountably's staffing model is fully managed: we handle the employment contract, payroll, tax compliance, benefits administration, and salary disbursement for every hire, so you get the talent without the administrative overhead.

This matters most for firms that don't have an established entity or employer of record (EOR) infrastructure in India.

You direct the day-to-day work; Accountably handles everything on the back-end.

Our staffing model also includes onboarding support, equipment coordination if needed, and ongoing HR support for as long as the engagement runs.

Dedicated hires and build-operate-transfer teams go through the same vetting and shortlisting process; a white-label team is staffed and run by its assigned manager.

The core difference between dedicated offshore talent and a white-label delivery team is who directs the work. With dedicated offshore talent, your analyst works inside your workflow and you direct the work like any member of your team; with a white-label delivery team, Accountably's manager runs the team, with its own reviewers, and you review the finished work.

Recruiting differs between the models. Dedicated hires go through the same recruiting process as build-operate-transfer teams, while a white-label team is staffed and run by its assigned manager.

Dedicated offshore talent is the right fit if your clients expect a forecast refresh every week or every month and you want full-time staff inside your workflow.

A white-label delivery team makes more sense for smaller or seasonal firms that would rather review finished work. Firms serious about long-term offshore control can also choose build-operate-transfer.

If you're not sure which fits your situation, mention it on the discovery call, and the team will walk you through all three options.

Accountably quotes every cash flow seat before you commit. Financial analyst seats start from about $11 an hour, which comes to roughly $1,800 to $2,500 a month for a full-time seat. Senior seats, such as a senior analyst for covenant models and lender packs or a finance manager who reviews every forecast, are quoted on request.

One seat can carry the recurring cash forecast for several of your clients, so the seat is sized against your actual book rather than a single account.

The rate can vary by role and seniority, so you will get the specific figures on your discovery call, where we will walk you through the total cost for the role you need to fill.

But even with Accountably's fee included, a cash flow hire in India through Accountably can still save your firm up to 70% compared to an equivalent US hire.

For firms that don't have an existing international payroll setup or in-country legal infrastructure, the staffing model removes that work entirely. Accountably handles the employment contract, payroll processing, tax compliance, and benefits administration for your hires.

You direct the work. Accountably owns the employment relationship.

Also, with Accountably you pay nothing until you hire. The search, sourcing, shortlisting, and your interview stages all happen before any fee is due. If Accountably does not place someone, you owe nothing. A dedicated hire has a 60-day minimum commitment.

The 45-day replacement guarantee is included. If a placement does not work out within 45 days, Accountably finds a replacement at no additional charge. And if someone rolls off later, we shadow and hand over during their notice period, so your clients' forecast cadence never takes a hit.

Outsourced cash flow management is the practice of handing the recurring work behind your clients' cash position to a team outside your firm instead of hiring in-house analysts. That team tracks, forecasts, and reports the money moving in and out of each client's business: it refreshes the rolling 13-week forecast, analyzes working capital, and tracks liquidity and covenant headroom for your advisors.

The work exists because a client can look profitable on paper and still miss payroll when cash arrives late and leaves early.

For a CPA or accounting firm, the work usually covers:

• Rolling 13-week direct cash forecasts, refreshed weekly or monthly on the cadence you set
• Receipts modeled off the live AR aging and collection history, and payables and payroll timed to their actual due dates
• Forecast-to-actual variance, carried forward each refresh rather than overwritten
• Working capital analysis: the cash conversion cycle, days sales outstanding (DSO), days payable outstanding (DPO), and inventory days
• Liquidity tracking: minimum cash balance, runway, and the current and quick ratios
• Covenant headroom monitoring, borrowing base and facility schedules, and downside scenarios with their assumptions stated

Budgets and the 12-month forecast sit under FP&A, and the cash flow statement, with the rest of the monthly statements, under financial reporting. The collections and payment runs a cash forecast keeps pointing at are staffed under accounts receivable and accounts payable.

Outsourced means the work is done by a team outside your firm. Offshore means that team is in another country. With Accountably it is both: your analyst sits in India and works inside your systems like any other member of your team.

The main difference is cost. A cash flow hire in India can save your firm up to 70% compared to a US-based equivalent, due to the lower cost of living in India compared to the US.

With dedicated offshore talent, your firm manages the day-to-day work. Your analyst reports to your managers, follows your workflows and processes, and works as part of your team, just like any other remote employee.

Accountably doesn't direct their daily work or assign client files. You have complete control over their responsibilities and schedules. Think of Accountably as the hiring and administrative partner, not a management layer.

If you'd rather review finished work than direct it, a white-label delivery team comes with Accountably's own manager and reviewers.

Yes, analysts in India working with US firms work in the same tools your team already relies on: QuickBooks and Xero for the client ledgers and AR aging their forecasts read from, and Karbon, TaxDome, and Suralink for workflow and client documents.

During vetting, Accountably screens explicitly for your stack rather than assuming tool familiarity and runs the assessments you already use.

Onboarding then ramps your analyst on your firm's software and SOPs, from your forecast template to the refresh schedule you promised each client. The work happens in the forecast model you already maintain, so there is no migration and no asking your clients to change platforms.

If there is a specialized system in your clients' environment, such as a dedicated forecasting tool, we identify transferable skill paths and flag any ramp time upfront so you can make an informed decision.

Accountably puts every candidate through a rigorous screening process before presentation.

Every candidate goes through Accountably's vetting process, which includes:

• Skills assessment: technical evaluation specific to the role requirements
• Experience validation: Accountably verifies work history
• Software experience: we check every candidate's experience in the ledgers your clients' forecasts read from, such as QuickBooks and Xero
• Cultural fit: Accountably screens for alignment with US business practices, work style, and your specific firm culture
• Motivation check: Accountably rules out candidates who are just looking for short-term contracts or salary bumps
• Background checks: we run background checks, and every hire works under an NDA

You only see candidates who meet all these criteria. Experienced hires start with onboarding on your software and SOPs. Newer hires first complete our 6-week US tax and accounting program.

A 13-week cash flow forecast is a rolling, week-by-week projection of the cash coming in and going out over the next quarter. It is long enough to show a shortfall coming and short enough to stay accurate, which is why it is the standard horizon for near-term liquidity planning.

Thirteen weeks is one quarter at weekly resolution, the horizon where a client decides whether to delay a payment, draw on a facility, or chase a debtor. A 12-month forecast is a planning document, and that work sits under FP&A.

The refresh runs on whatever cadence you have promised the client. Monthly is the common baseline, and weekly is normal for a client in distress or under covenant pressure. The schedule is agreed during onboarding, and your analyst owns it, explaining last week's variance rather than overwriting it.

Every file goes through preparer, senior, quality and final review before it reaches you:

• Preparer: your analyst refreshes the forecast from the live ledger, the AR aging, and the payables, and writes the variance note
• Senior review: the timing assumptions and the opening position are checked against the bank statement and the ledger
• Quality review: a separate pass tests the roll-forward, confirms last period's variance was carried forward, and checks the format
• Final review: the pack is confirmed client-ready, with the assumptions and any flagged covenant risk stated on the page

Your firm keeps the final judgment on which scenario is realistic for each client, and the sign-off on every pack that leaves the firm.

Your partners give the advice, and Accountably's analysts build the forecast behind it. Telling a client to delay a payment run, draw on a facility, or chase a debtor is advice, and it stays with your firm, along with the lender and board relationship and every partner-level call on liquidity and financing.

Your analyst builds the file that advice rests on: the 13-week build and every refresh, the AR, AP, and payroll timing worked back to source, and the reconciliation to the bank and the ledger. Your reviewer gets the pack with any covenant risk flagged on the page and the movements that need a partner's explanation listed.

The analyst works in your systems under your firm's name and is never introduced to your client unless you choose to.

Yes, client files are handled under SOC 2-aligned controls by background-verified staff who work under NDAs.

A cash forecast carries bank balances, covenant positions, and payroll dates, so access is role-based and limited to the files your analyst is assigned. It runs over a secure VPN, files move by encrypted exchange, audit logs record activity, and nothing is stored on a personal machine.

See data security and compliance for the full set of controls.