TRADE SERVICE · CONCRETE & MASONRY CLUSTER

FRACTIONAL CFO FOR CONCRETE CONTRACTORS.

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We run the finance function for concrete subcontractors doing $1M to $12M: job costing aligned to the way you estimate, a 13 week cash flow forecast, monthly WIP, and a CFO in the room every month. Pricing starts at $1,900 per month.

Concrete spends on pour day and collects a season later, so the finance function is built around that clock. We price the pour as an event: truck standby, finishers on the ready, weekend delivery premiums of $50 to $300 per load, and short-load fees of $40 to $60 a yard that add $200 to $400 to every punch pour. We also run procurement as arithmetic, because plant-to-plant spreads of $20 to $40 a yard in the same market are worth $60,000 to $120,000 on a 3,000 yard year. Then the 28-day strength clock goes on the billing calendar with a rework reserve behind it, so a failed cylinder is a protocol instead of a crisis.

BY JOSH LUEBKERPublished 2026-08-06Updated 2026-08-06
WHERE CONCRETE LOSES MONEY

THE THREE THINGS THAT DRAIN THE CASH.

LEAK 01

The Pour-Day Cascade

Trucks on the clock, finishers standing by, weekend premiums of $50 to $300 per load, and a cold-joint spec risk if sequencing slips. Pour day is where the estimate meets physics, and untracked standby and premium cost is margin poured into the slab.

LEAK 02

The 28-Day Gate

Strength arrives on the concrete's schedule, not the billing schedule, and a failed break converts into coring, repour risk, and a stalled milestone. The test report is a payment gate; treat it like one with a reserve and a protocol.

LEAK 03

The Factoring Spiral

Aged AR pushed through factoring or an MCA trades a timing problem for a permanent margin tax. A $4.9M concrete contractor ran $161K net inside that spiral and $1.1M net outside it; the difference was the control system, in the same market as the year before. (cfos-cash-control-system) ---

HOW SPM FIXES IT

WHAT WE CHANGE.

Pour day economics (all hands, one shot)
Short-load math on the small stuff
The 28-day clock (strength, schedule, and billing)
AR and the factoring trap
Form and finishing crew economics
PRICING

FLAT MONTHLY FEE. NO SURPRISES.

Priced by trailing 12 month revenue. No hourly billing. No payroll. No add-ons.

Last 12 months revenueMonthly fee
Up to $1M$1,900 to $2,900
$1M to $3.5M$2,600 to $3,900
$3.5M to $6.5M$3,800 to $5,700
$6.5M to $9.5M$5,100 to $7,100
$9.5M to $12.5M$6,100 to $8,500
$12.5M to $15.5M$7,400 to $11,000
$15.5M to $18.5M$9,400 to $13,500
$18.5M+Quoted individually

Range reflects the three tiers below. Which one you're in depends on how much of the work you want off your desk. No payroll. No hidden line items.

Core

You stop guessing.

You get the CFO work. Job costing built against the way you estimate, a 13 week cash forecast, monthly WIP, and a meeting every month that ends in decisions rather than a report.

Your bookkeeper keeps doing the books.

Executive

You stop touching the books.

Everything in Core, and we run the bookkeeping and the controllership as well. Nobody in your office is answering coding questions or chasing a reconciliation at month end.

We do the books. No payroll.

Strategic

Every job shows its margin while it's still running.

Everything in Executive, plus the job costing and WIP platform set up, loaded with your cost codes, and managed for you every month. You never have to learn it.

We do the job costing.

Prevailing wage note: Concrete work often runs on public bids, which means certified payroll and wage classifications have to line up with the job cost record. ControlQore holds the classification against the cost code, so the certified report and the job cost report come from the same data instead of somebody keying the same numbers twice every week.

COMMON QUESTIONS

FREQUENTLY ASKED.

Concrete contractors at $1M to $5M net 5.5 percent on average, rising to 8.5 percent by $25M to $50M; the CFOS target at $1M to $5M is 10 percent. One verified $4.9M concrete contractor closed that exact gap, moving from $161K to $1.1M net, by fixing job costing and cash control rather than chasing more revenue. Every net profit figure here is stated before taxes, the same basis CFMA reports on, so the two are directly comparable.
Three tiers, and which one you are in depends on how much of the work you want off your desk. Core is where you stop guessing: job costing built against the way you estimate, a 13 week cash forecast, monthly WIP, and a monthly meeting that ends in decisions, while your bookkeeper keeps doing the books. Executive is where you stop touching the books, because we run the bookkeeping and the controllership as well. Strategic is where every job shows its margin while it is still running, because the job costing and WIP platform is set up and managed for you. No payroll. No scope gaps.
Sixty days. We migrate your books back to the start of your last taxable year, set up ControlQore, and build your job costing structure from scratch. Fully operational in two months.
ControlQore is the job costing and WIP platform we use for all clients. Purpose-built for contractors, more affordable than legacy tools, and AI-infused. We set it up and manage it, so you do not have to learn it.
A bookkeeper records what happened. We tell you what it means and what to do about it. We align job costing to your estimates, track WIP monthly, and hold strategic accountability meetings so problems get fixed and not merely documented.
$10.7M+
Client AR Recovered Since 2023
48
Active Trade Specializations
60 DAYS
Average Onboarding Time
WHAT THIS TIES INTO
Josh Luebker, The Construction CFO
Josh Luebker
FRACTIONAL CFO · THE CONSTRUCTION CFO

Former commercial project manager and master electrician: 150+ projects worth $2.1B combined, from $50,000 to $300M. Now fractional CFO to commercial subcontractors.

DO YOU KNOW YOUR TRUE MARGIN ON CONCRETE WORK?

Bring one job. We will show you the difference between what you bid and what it cost.

You don't hire a CFO because it's safe, you do it because the real risk isn't having one.
Book a 20 minute diagnostic

20 minutes. No sales pressure. We will tell you exactly what's broken before we talk about anything else.

OR START WITH THE WORKBOOKS. NO CALL NEEDED.