TRADE SERVICE · STRUCTURE & ENVELOPE CLUSTER

FRACTIONAL CFO FOR EIFS AND STUCCO CONTRACTORS.

QUICK ANSWER

We run the finance function for eifs and stucco 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.

EIFS and stucco are two businesses sold under one license, so we split them in the cost codes on day one. Three-coat is materials-light and cure-day-long; EIFS is materials-heavier and faster, and it has a 15 to 35 percent installed premium a blended cost history throws away. We bill per coat completed with weather delays documented, because coats cure on temperature's schedule and a three-coat winter is either a cash plan or a cash surprise. We also fund a warranty reserve against the sealed system, since the trade's litigation history runs back to 1995 and full remediation still costs $15,000 to $40,000 a house.

BY JOSH LUEBKERPublished 2026-08-06Updated 2026-08-06
WHERE EIFS AND STUCCO LOSES MONEY

THE THREE THINGS THAT DRAIN THE CASH.

LEAK 01

The Sealed-System Tail

EIFS installed wrong traps water, and the trade's litigation history runs back to 1995 with remediation bills of $15,000 to $40,000 per house. Detail-level QC documentation and a warranty reserve aren't overhead; they're the price of selling a sealed system.

LEAK 02

The Cure Clock

Coats cure on temperature's schedule, not the GC's. Per-coat billing and documented weather delays are how a three-coat winter stays a cash plan instead of a cash surprise.

LEAK 03

The Detail Donation

Field walls price per square foot; quoins, bands, and trim price per linear foot of fuss. A bid that rates decoration at field-wall numbers gives the architecture away for free. (cfos-job-profitability-system) ---

HOW SPM FIXES IT

WHAT WE CHANGE.

The cost-per-SF question
The moisture liability shadow (the trade litigation built)
The cure-time clock (weather owns the schedule)
3-coat vs EIFS (two systems, two cost structures)
Detail labor (the foam trim tax)
PRICING

FLAT MONTHLY FEE. NO SURPRISES.

Priced by trailing 12 month revenue. No hourly billing. No payroll. The one-time onboarding fee is right here in the table.

Last 12 months revenueMonthly feeOne-time onboarding
Up to $1M$1,900 to $2,900$1,000
$1M to $3.5M$2,600 to $3,900$1,500
$3.5M to $6.5M$3,800 to $5,700$3,000
$6.5M to $9.5M$5,100 to $7,100$4,500
$9.5M to $12.5M$6,100 to $8,500$6,000
$12.5M to $15.5M$7,400 to $11,000$7,500
$15.5M to $18.5M$9,400 to $13,500$9,000
$18.5M+Quoted individuallyQuoted individually

The onboarding fee covers migrating your books back to the start of your last taxable year and getting you fully operational in 60 days. It's billed once, with your first invoice. It's the same for all three tiers. Your first month is prorated, and your monthly engagement starts on the first of the first full month.

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. The onboarding fee is right here in the table.

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 and never in a report.

Your bookkeeper still does the books.

Executive

You stop touching the books.

Everything in Core, and we run the bookkeeping and the controllership as well. Your office stops answering coding questions and stops chasing a reconciliation on the last day of the month.

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 books, the job costing, and the software. No payroll.

COMMON QUESTIONS

FREQUENTLY ASKED.

$8 to $14 per square foot installed in most 2026 markets, with a national average near $16 and complex detail work running higher; traditional three-coat stucco runs $7 to $9. The spread is insulation thickness, drainage system, detail density, and substrate prep, which is why contractors need their own tracked cost-per-SF by system rather than a published average.
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 EIFS AND STUCCO WORK?

Twenty minutes of questions about how you price eifs and stucco work, what your jobs come in at once they close, and what keeps landing back on your desk. Nothing gets sold on that call and nothing gets proposed. If Josh can help, you'll set a longer second call.

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 call

20 minutes. Nothing gets sold on this call and nothing gets proposed. Josh asks questions to work out whether he can help at all.

OR START WITH THE WORKBOOKS. NO CALL NEEDED.