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TL;DR: SPM provides fractional CFO services for insulation contractors doing $1M-$12M in commercial new construction. Job costing by square feet by type and R-value in ControlQore, overhead rate including all real costs, WIP reporting monthly, and AR collection system that clears the backlog in 30 days. Most insulation clients find their first month's AR collection exceeds the annual SPM fee.
Insulation
The CFO for
Insulation Contractors.
You bid by the square. Your margin lives or dies in the field every week. If you find out a job is losing money at closeout it is too late. We make it visible in week two.
Published: May 2026 · Updated: May 2026
FAQ
Frequently Asked Questions
What does a CFO for insulation contractors do?
A fractional CFO for insulation contractors builds the job costing structure aligned to the estimate - cost codes by square feet by type and R-value - so actual cost per unit is visible weekly against estimated cost per unit. They manage WIP reporting, overhead rate calculation, billing calendar, and monthly cash flow. The result: you know which jobs are winning and which are losing before you cannot do anything about it. All SPM clients run on ControlQore - purpose-built for construction job costing at $1M-$12M.
What overhead rate should insulation contractors use?
Insulation Contractors at $1M-$3M typically run 12-14% overhead. The most common errors are missing owner compensation at market rate and not including equipment depreciation or vehicle fleet in the SG&A calculation. Each of those understates the real overhead rate and underprices every bid.
What are the most common cash flow problems for insulation contractors?
Three consistent problems: schedule of values that underbills early phases which are the most cash-intensive work, overhead rate below actual because ownership costs are not fully included, and AR sitting uncollected at 45+ days with no follow-up system. Most insulation contractors have all three simultaneously. SPM fixes all three in the first 60 days.
What gross margin should insulation contractors target?
Insulation Contractors at $1M-$12M in commercial new construction typically target 22-27% gross margin. Margin below the lower end of that range usually indicates a markup problem, an overhead rate understatement, or job costing that is not capturing all direct costs accurately.
Do you handle payroll?
No. SPM does not handle payroll. We have vetted partners including prevailing wage and Davis-Bacon integrations that connect directly with ControlQore at additional cost.
How long does onboarding take?
60 days. We migrate your books to the start of your last taxable year, build your ControlQore job costing structure, and get you fully operational in two months.
What software do you use?
All SPM clients run on ControlQore - purpose-built for construction job costing and WIP reporting at $1M-$12M. More capable than QuickBooks for job costing, more affordable than Sage. We set it up and manage it.
Do I need clean books to start?
No. Most clients come with messy books and no job costing. That is exactly what onboarding is for.
