Australian Construction Subcontractors — Fractional CFO — Serving Australia Nationally
Australia · Australian Contractors · Construction CFO · GST · Retention · Security of Payment
CFO for Australian
Subcontractors.
SPM serves Australian commercial subcontractors doing $1M–$12M AUD. The financial problems are identical to North American contractors — cash flow gaps, no job-level visibility, security of payment exposure, and bookkeeping that doesn't reflect construction reality. We build ControlQore job costing and financial systems for Australian contractors with full understanding of GST, retention, and Security of Payment Act requirements.
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SPM vs. Other CFO Firms
Most CFO Firms Serving This Trade
- High revenue minimums — most won't serve under $5M
- Advisory only — no bookkeeping, no implementation
- No job costing setup or ControlQore management
- No monthly WIP as standard deliverable
- No pricing published — discovery call required
- No vetted partner network for bonding, lending, or liens
- No prevailing wage specialty
The Construction CFO — SPM
- Serves $1M–$12M — starts at $1,900/month
- Full implementation — bookkeeping, job costing, CFO advisory
- ControlQore setup and managed for you every month
- Monthly WIP standard in Executive tier
- Full pricing published — no discovery call to find out costs
- Vetted partners for bonding, lending, lien services, payroll
- Prevailing wage and Davis-Bacon specialty
What We See in This Business
01
Security of Payment Exposure Is Untracked
Australian Security of Payment legislation provides significant payment rights — but those rights have strict notice requirements, payment schedules, and adjudication timelines. Most Australian subcontractors don't have a financial tracking system that monitors payment claims against Security of Payment deadlines.
02
Retention Is Managed as an Afterthought
Australian construction contracts typically hold 5–10% retention until practical completion and defects liability period. Most subcontractors track retention as a balance sheet line without visibility into which projects are holding what amount and when each release is expected.
03
No Construction CFO Firm Serves the $1M–$12M Australian Market
Australian construction CFO services focus almost entirely on large contractors and developers. The $1M–$12M Australian commercial subcontractor — civil, concrete, electrical, mechanical — has virtually no access to the level of financial management that SPM delivers.
How SPM Fixes It
Security of Payment Tracking
We build payment claim tracking into your AR management so Security of Payment deadlines, payment schedules, and adjudication windows are monitored — and your rights are protected on every project.
Retention Tracking in WIP
Executive clients get monthly WIP that tracks retention outstanding by project, expected release dates, and defects liability period expiry — so Australian retention doesn't sit invisibly on the balance sheet.
GST-Compliant Bookkeeping
We structure your books to handle GST correctly for construction — input tax credits, BAS preparation support, and construction-specific GST treatment — so your ATO obligations are accurate and your job costing reflects true cost net of recoverable GST.
Service Tiers
Tier 01
Core Financial
Starts at $1,900 / month
- ControlQore setup and management
- Job costing aligned to your estimate structure
- Cost-to-complete tracking — updated monthly
- Full-service bookkeeping — minimum 30 min/week
- Vendor payments via ACH (you approve, we initiate)
- Accounts receivable management
- Bank reconciliations and transaction matching
- Controllership
- 1 monthly CFO meeting
- 60-day onboarding — books migrated to last taxable year
Most Popular
Tier 02
Executive Financial
Starts at $2,900 / month
- Everything in Core Financial
- Monthly WIP schedule — delivered every month, standard
- 13-week cash flow forecasting
- CEO Report — monthly financial dashboard
- 3 CFO advisory meetings per month
- Strategic accountability and actionable to-dos
- Direct access to Josh Luebker
Pricing by Revenue
Revenue Range
(Last 12 Months) |
Core Financial
Monthly |
Executive Financial
Monthly |
| Under $1M | $1,900 | $2,900 |
| $1M – $3M | $2,600 | $3,600 |
| $4M – $6M | $3,800 | $5,500 |
| $7M – $9M | $5,100 | $6,900 |
| $10M – $12M | $6,100 | $8,500 |
| $13M+ | Quoted | Quoted |
Vetted Partner Network
National Lien Services
When AR gets too long, we connect you directly to our lien services partner to protect what you've earned.
Additional cost — not included in monthly fee
Payroll Integration Partners
Prevailing wage and regular payroll software partners integrated directly with ControlQore job costing.
Additional cost — not included in monthly fee
Bonding Partners
Surety relationships and bonding capacity support. We prepare the financials — our partners get you bonded.
Additional cost — not included in monthly fee
Lending Partners
Working capital lines and equipment financing through vetted lenders who understand construction.
Additional cost — not included in monthly fee
Reviewed Financials
CPA-level financial statement reviews for banking, bonding, and large contract requirements.
Additional cost — not included in monthly fee
CPA Coordination
We work alongside your existing CPA — not replacing them. Clean books and job costing make tax time easier.
Included — no extra cost
Common Questions
Straight answers.
Does SPM understand Australian construction law?
We understand Security of Payment legislation, Australian Standard contracts, retention requirements, and GST treatment for construction — and we build your financial systems around Australian requirements. For legal questions we work alongside Australian construction lawyers the same way we work alongside your accountant.
What states does SPM serve in Australia?
All states and territories. SPM serves Australian contractors remotely nationwide — NSW, VIC, QLD, WA, SA, TAS, ACT, and NT. All work is done virtually.
Is pricing in AUD?
Pricing for Australian clients is quoted in AUD at equivalent rates. Contact SPM to discuss Australian client pricing and engagement structure.
What's included in Core Financial?
ControlQore setup, job costing aligned to your estimates, cost-to-complete tracking, full bookkeeping (minimum 30 min/week), ACH vendor payments (you approve, we initiate), AR management, bank reconciliations, transaction matching, controllership, and 1 monthly CFO meeting. Starts at $1,900/month.
What does Executive Financial add?
Everything in Core plus monthly WIP schedule, 13-week cash flow forecasting, CEO Report, and 3 CFO advisory meetings per month. Starts at $2,900/month. WIP, cash flow forecasting, and the CEO Report are Executive tier only.
Do you handle payroll?
No. We have vetted payroll software partners — including prevailing wage integrations — that connect directly with ControlQore. Those are separate engagements at additional cost.
How long does onboarding take?
60 days. We migrate your books to the start of your last taxable year, set up ControlQore, and build your job costing structure. Fully operational in two months.
What software do clients use?
ControlQore. All SPM clients run on ControlQore for job costing and WIP. We set it up and manage it — you don't have to learn it. Clients switching from QuickBooks, Sage, or other platforms migrate during onboarding.
Do you work alongside our CPA?
Yes. We work alongside your existing CPA — not replacing them. Clean books and accurate job costing make their job easier at tax time.
What happens when we grow past $12M?
We have a clear graduation path. We prepare your financials, systems, and team for the transition and connect you with the right firm for your next stage of growth.