Fractional CFO Services for Civil & Grading Subcontractors
Real job costing, cash flow forecasting, and financial clarity for $1M–$15M grading and earthwork contractors.
If you’re moving dirt, juggling site delays, and still guessing at job costs this is for you.
We help grading contractors break down costs by crew, equipment, and phase, and forecast project cash flow even when T&M and payment schedules don’t line up..
What Does a Construction CFO Actually Do?
A construction CFO isn’t a bookkeeper. And they’re not just someone who closes your books at the end of the month.
They help you see financial risk while the job is live before you burn through cash waiting on slow billing or heavy equipment charges.
While your CPA looks backward, a CFO looks ahead. We help you:
Track labor and equipment actuals vs. estimates weekly
Forecast retention and billing lags on long-running jobs
Break down T&M, LS, and unit pricing by job phase
Understand your breakeven per crew not just top-line totals
Overbill when you can and plan for float when you can’t
No more waiting 60 days to find out what went wrong. You’ll see it while there’s still time to fix it.
Built for Subcontractors, Not Corporate Suits
We work best with civil subcontractors who:
Run $1M to $15M grading, excavation, or utility businesses
Work across private sitework, subdivisions, and public works
Deal with multi-week equipment mobilizations and weather downtime
Are tired of guessing how far off the next invoice will leave them
Want control, not just cleaner books
If you’ve ever said “We got the work done, but the cash is behind,” this is for you.
Job Costing, Forecasting, and Real Financial Strategy
Here’s what’s included in our monthly CFO support for civil subs:
Job Cost Tracking – Weekly review of labor and equipment costs by scope or crew
Cash Flow Forecasting – Plan for float when retention, weather, or delays hit
Project Profit Reviews – Walk each job live and catch margin loss early
Monthly Financial Reports – Clear numbers in plain English that show what to do next
Retention + Billing Support – Improve collections and prevent month-end surprises
Grading-Specific Strategy – Built for subs who move dirt, not spreadsheets
Built for Civil Subcontractors.
Proven in the Field.
Civil subs don’t go under because of bad work they go under because they never had cash visibility.
We’ve worked with site and grading subs from $1.5M to $10M and the pattern was always the same:
Work gets done. Billing lags. Crews keep running. Profit disappears.
SPM fixes that because:
You see where cash and costs are going every week — not after month-end
Forecasts are built around retention, T&M, and actual crew size
We show up live, we don’t hand you a spreadsheet and disappear
Our systems work for subs doing hard, muddy, real work not just GCs
The job’s already hard enough. We make the financial side clear, fast, and actionable.
What Subs Say After 30 Days
“We were working nonstop, but the cash always lagged behind. Josh helped us project billing vs. retention so we didn’t fall short the week after a mobilization.”
Sitework Subcontractor doing $4.2M in Arizona⭐⭐⭐⭐⭐
“I thought our margins were solid until we broke it down by crew. One site was bleeding $5,600 a week we had no clue. Now we review it live every Friday.”
Grading Subcontractor doing $9.8M across the Southeast⭐⭐⭐⭐⭐
“We were guessing on T&M and hoping the GC wouldn’t question it. Now we’ve got clean tracking and a system that backs every number. That changed how we bill”
Excavation Contractor doing $6.5M in Colorado⭐⭐⭐⭐⭐
Ready to Get Control of the Cash?
You’ve got the crew, the graders, and the backlog. Now it’s time to stop guessing and start making every decision from numbers you can trust.
Get the full pricing breakdown for civil and grading contractors no pressure, just clarity.
No calls required. We’ll send you the breakdown with services included.